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

On XX/XX/2022, Citi had sent an email to me noting that due to " suspicious activity '' they were locking my account and then, one minute later, another email indicating that they were shutting down my checking account. There was over {$20000.00} of my own funds in the account. I was locked out of the account online, and called several times to verify myself via their fraud prevention team. Each time, they told me that I was not able to get access back to the account, my account was being closed with no explanation. 

My closure email was extremely vague : " Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your REGULAR CHECKING account, we found that you have violated the terms of your account per the client manual. '' The only issues in my account were a few external debit card transfer failures, directly related to issues by the processing bank. This was for transferring funds into my Citibank Checking Account. My account was never overdrafted, nor was there any illicit or otherwise negative activity on my account. Additionally, I had to wait several weeks for my check of over {$20000.00} which had been wrongfully held from me with no explanation, to arrive so I could use my own funds through a deposit to a different bank. 

There was never anybody else accessing my account except me and no " suspicious behavior '' to warrant a fraud team 's response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have sent all of the required documentation to update my CURRENT ADDRESS w/ Transunion to reflect my proper current address ( XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX CA XXXX ) but my report is reflecting this address incorrectly ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX ). This is not a real address, they seem to have butchered my actual address on file. 

Once again, I have sent in all of the required documentation to prove my current address and have that changed out, XXXX and XXXX have updated their systems and are reporting my correct current address- but Transunion has not. PLEASE FIX THIS- I am having incorrect information reporting publicly on my file, this has caused me a lot of stress and mental angst. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update personal information according to the attached and information shown below. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : I am writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX, XXXX, VA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
I understand that pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX 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 Experian 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. This fraudulent, inaccurate, and false information consists of : XXXX. Personal credit card account- XXXX XXXX opened on XX/XX/XXXX, account number XXXX. 
XXXX. Unsecured loan - XXXX  XXXX opened on XX/XX/XXXX, account number XXXX. 
XXXX. Unsecured loan - XXXX XXXX XXXX opened on XX/XX/XXXX, account number XXXX. 
XXXX. Unsecured loan - XXXX XXXXXXXX opened XX/XX/XXXX, account number XXXX. 
XXXX. Unsecured loan - XXXX  XXXX opened XX/XX/XXXX, account number XXXX. 
XXXX. An utility account with XXXX XXXX opened on XX/XX/XXXX, under account number XXXX. 
XXXX. An utility account with XXXX XXXX opened on XX/XX/XXXX, under 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 & 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, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX SSN : XXXX D.O.B. : XX/XX/XXXX Credit bureau XXXX, XXXX, Equifax According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately.

Thank you for your prompt assistance in this matter. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/22, I sent a letter for an inaccurate account on my credit report but I feel like I am being ignored and taken advantage of regarding my disputes. Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX i sent a dispute to XXXX about XXXX XXXX XXXX. In the dispute letter I stated that all judgements had to be removed from all 3 credit agencies as of XX/XX/XXXX. I attached a copy of my final judgment from an eviction from XXXX XXXX with no balance owed. Then i received an update credit report that said this dispute has been verified an updated with no changes. So in XX/XX/XXXX I sent a letter to XXXX with a copy of my XXXX  report of them following the new law in removing this Judgement off my credit file as an collection. I still received AGAIN another credit report of the result to my dispute as verified an updated. XXXX has yet to show me proof of them verifying this account or even Following the new law that they had to remove all tax liens in judgement from credit report to show credit worthiness. I feel like they are not reading my dispute nor followin the guidelines of FCRA that has been violated.
Product: Mortgage

My mortgage was transferred to other company and SPS serving mortgage are charging around {$230.00} corporate fees that they can explain what these charges means and why i have to be pay to them that amount
Product: Debt collection

An item showed up on my credit from a law firm Kimball , Trey & St John on behalf of XXXX XXXX XXXX. Saying that I owe {$6600.00} for an eviction. I contacted XXXX  and disputed the line item letting them know it was not my debt and for this to be removed. In retaliation they filed a levy on all property against me. I have never lived at the property. I had no idea about this until I received a Notification of Levy, filed XX/XX/2018, AFTER they XXXX XXXX out my bank account with XXXX XXXX. I tried contacting them but was unsuccessful. I have sent a letter demanding they provide CREDIBLE proof this is my debt. The levy they have improperly placed on my bank account and all property causes a hardship on my life as I only receive assistance from the state as I have a XXXX XXXX child I take care of. In addition this has greatly affected my credit report in a very negative manner.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed my accounts that was not reporting accurately. I had some late payments on my accounts that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy.. These accounts has not been late on the payments I've attached a copy of my reports to these complaints on the following dates shown on my credit reports that I attached. I'm now requesting you investigate these accounts and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card

My fianc and I closed our smallbusiness at the end of XXXX. So in the last week of XXXX ( XXXX ), I went to my neighborhood Chase branch and asked for them to close all my accounts affiliated with my business. This included my business checking account and credit card. The manager of the branch kindly helped me and confirmed that all accounts were closed after calling corporate to close them. From then on, I did not receive any professional notifications about my accounts until in XX/XX/XXXX I checked my credit score and saw it dropped over XXXX points. I called chase worried about fraud only to find out my credit card was reopened because companies like XXXX and XXXX accidentally renewed our contract. Due to that my bill went two months unpaid and the credit card went delinquent. Chase was able to refund all late fees and dispute the charges ( which we won ), but unfortunately my credit score would not be able to be fixed. I asked the branch to give me a letter saying it was a banking error and they kept leading me on and directing to different people, branches and corporate departments. The only message I ever received from Chase involving my business account was a text message that said your business credit card needs action. It did not mention Chase nor did it come from their text message line so I ignored it thinking it was spam ( especially since were warned of targeted messages like this and I was under the impression my account was closed ). I would like to get their attention to please fix my credit. I took the necessary immediate actions to resolve this including reaching out to credit bureaus like XXXX. Chase has not been helpful to revert the score and this is not the first story Ive heard like this.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report. The incorrect names are causing issues with my identity and there are several addresses listed that are not mine because none of the information is correct I am being denied credit due to it not matching. The credit bureaus assumed a role and under federal law they are required to report 100 % accuracy.
Product: Credit card or prepaid card

I 'm getting bills for a card that I have never used. I have an Amazon credit card # XXXX that I promptly pay the bills as soon as they are mailed to me. Chase Bank keeps sending threatening letters demanding payment and adding penalties from a credit card named Amazon Prime # XXXX. I have never used that card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX  Balance Owed : {$300.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX  Balance Owed : {$460.00}, XXXX XXXX Date Opened : XX/XX/XXXX  Balance Owed : {$490.00}
Product: Checking or savings account

Capital one banking has not deposited my paycheck of {$940.00} and it was supposed to be deposited on XXXX the XXXX XXXX XXXX. I called on XX/XX/XXXX XXXX XXXX at the time of XXXXXXXX XXXX when asked about the deposit the representative said she did not know when there was an issue because she didnt know there was an issue I then had to be put on hold and she asked if there was an issue and said it should be fixed by the next couple hours, I waited until XXXX XXXX and still did not receive my deposit into my account. I then called again around XXXX XXXX and was on hold for XXXX minutes. The next representative then told me that it should be in my account by the evening. I then received a message around XXXXXXXX XXXX from capital one banking saying that they are sorry for the inconvenience and that this issue should be resolved in the morning on Friday, XX/XX/XXXX. I checked my account at XXXXXXXX XXXX  and then again at XXXXXXXX XXXX to see that my check has still not been Deposited.. I then attempted to call capital one banking and was put on hold for an hour and a half after being put on hold I hung up the phone and tried calling again about an hour later just for the line to disconnect. Apparently this is a persistent issue not just for me since then I have been checking my account and there has been no deposits made capital one banking can not find an answer to the reason why the account has not had any money deposited. I have a car note and rent due soon and if I do not get my money, I could be evicted. This banking company is putting millions and thousands of people in a state of trouble some of us have bills to pay and were not able to due to our funds being held. I am deeply disappointed and extremely unsatisfied as a member of capital one banking I will absolutely be moving my bank to more of a secure kind of banking after this because capital one is not secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX, XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I bought XXXX money orders last year on XX/XX/year>24 XXXX  of {$1000.00} and the XXXX  one of {$400.00} and they were rejected because they had no funds, and I contacted the company they just ask for my information but they didnt tell me anything else about refunding me my money. I send emails and I only received XXXX email asking for the information of the money orders but after that nothing else, I had reply to the some email and they dont reply anymore.
Product: Credit card

I've asked Barclay Credit Cards to close my account and they refuse. I open the account under false advertisement ( attached false advertisement ad that Barclay Credit Card refuse to honor ) causing damage to my credit score and because of that reason I want nothing to do with this horrible credit card company and I want the account closed ASAP. Ive never used the card and never plan to do so.
Product: Checking or savings account

I have a checking account with Wells Fargo they may repeatedly charged me overdraft fees that were unnecessary through out my time as a customer.
Product: Debt collection

I tried calling the collection agency to explain that this matter was resolved with the gym and asked them to check on their end for what I know is a clerical error. This company employs abusive collection tactics over the phone. I spoke with an agent that called themselves " XXXX XXXX '' over the phone. They would not confirm the spelling or give me and employee identification number to identify them when asked. I was repeatedly interrupted while explaining my situations and asked " will you be paying by credit or debit '' and there was no indication of trying to listen. Luckily for me, my gym is amazing and will get the account fixed on their end hopefully soon. However, this abusive company needs to be called out. Also, my wife initially called and had me call back from work, and the agent, after explaining everything on the account to me said " I believe this is the wife. '' This was either an extremely rude comment or an admission that they illegally gave out my information to someone unauthorized on the account. Extremely rude and extremely unprofessional practices.
Product: Consumer Loan

I ended up in a financial bind as a single mom with no help or support and no government assistance and ( should have known better ) got a payday loan then title loan through Advance America. I had a XXXX in the family and suffer an illness that has caused me to miss work. I 've asked for leaniency with this company and they call me XXXX times daily while at work, show up at my boyfriends home and leave notes on his door, call my daughters phone XXXX times daily and they have been asked to stop doing all of this. I would gladly work with them and pay my debt if they were n't so intrusive, rude, showing up at my door as I am literally too sick to move and throwing their business card at my child, snapping at her and demanding that she tell me to " call her TODAY ''. My daughter is at school and feels harassed. I feel both humiliated and harassed. My physical illness is worsened with the stress these bills have caused me. I had to do what I had to do to support myself and my child. They were n't the smartest choices but I made them. I 've tried to scramble to come up with solutions but them harassing me is slowing down that process. If they show back up at anyone 's home ( because they are not professional nor do they follow privacy laws ) again I will remove them from my property myself.
Product: Debt collection

XXXX XXXX located in XXXX, NY billed for an ambulance charge. Submitted my insurance information several times and they refused to bill insurance. The put me in collections with Wakefield and Associates. I put in a complaint with XXXX XXXX and they finally submitted it to my insurance and the bill was paid in full but my credit report still reflects my account in collections and unpaid. I tried communicating with both companies and they blame each other. Tried to dispute it with the credit bureau and they refuse to remove it even when I show proof that the claim was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. My FTC Reference number is:XXXX Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

ive been trying to access my experian credit report but its not allowing me to access it for some reason.