23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple inquiries on my credit report on  XX/XX/XXXX . I disputed these inquiries :   XXXX   : :  XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details XX/XX/XXXX ,  XX/XX/XXXX   XXXX  :   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   : :  XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   Show Details XX/XX/XXXX  XXXX  Show Details  XX/XX/XXXX ,  XX/XX/XXXX   XXXX  Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   : :  XXXX   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   : :  XXXX   XXXX   XXXX   Details  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX   :   XXXX   XXXX   XXXX    Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX  ,  XX/XX/XXXX    XXXX   XXXX   Show Details XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   : :  XXXX   XXXX   XXXX  A Show Details  XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX  , XX/XX/XXXX   XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX . Upon disputing these I stated that I did not give provision for the companies to run my credit. According to  XXXX  these companies certify that they did so the is the proof that they need to keep them on my report. I in retired asked for documentation where I gave approval. The dispute has been closed and I never received any documentation of me requesting these reports. The report was closed the same day it was opened.
I also disputed them on  XXXX , and transunion and was given the same result. I also have a fraud alert on my report so they are supposed to call and verify in time someone pulls my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/ to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Checking or savings account

My father passed away on XX/XX/XXXX. He had a bank account at Citibank with the XXXX, IL branch location. I reached out to them ( along with 3 other banks in the area ) to close his accounts and withdraw funds about a month after my dad passed away and once I received the death certificate from the county. 

I had to call Citibank 's XXXX branch location 8 times over 1 week in order to make an appointment. I did not walk-in because I knew many banks were not taking walk-ins during this pandemic. Each time I called I was told everyone was busy. I finally got to the national line and they made an appointment for me with Citibank XXXX branch on Tuesday, XX/XX/XXXX. 

When I went into the office, I was told they did not have a record of an appointment and to leave and make one over the phone. I insisted that I had booked an appointment and asked to see someone. They accommodated me and filled out a death certificate form and told me it would take 10 business days for their legal team and back office to close the account and withdraw the funds for me. 

As I mentioned earlier, I did this with 3 other banks - XXXX, XXXX  XXXX XXXX, and XXXX XXXX. Each of those banks were able to get me the money within 48 hours. I did not hear anything from Citibank for over 10 business days so I called them on Tuesday, XX/XX/XXXX, and was told the representative who helped me only worked on Thursdays and Fridays so I had to call back Thursday. I told them it was imperative we receive the money in order to pay bills and that I was willing to speak with anyone but they said it had to wait until Thursday. 

On Thursday, I called multiple times until finally getting through to the representative. They told me the back office hadn't closed the account yet. I asked why there was a hold-up and how we could fix it assuming that there was an unpaid fee or something associated with the account. They said there were no problems and they would close it. I told them to please close it ASAP because we need money that we own to pay our bills. On Friday, I called again and they still hadn't closed it. I reiterated the urgency of this request and that it had been far longer than the 10 business days I was told and that every other bank did this within 48 hours. They told me to call back Monday, XX/XX/XXXX. 

I called again on Monday, XX/XX/XXXX and have not been able to get through to anyone. It is now almost a month since I tried to close an account I rightfully own and withdraw {$15000.00} of funds in order to pay our bills and Citibank has not given it to us nor explained why.
Product: Checking or savings account

I opened a checking account with HSBC on XX/XX/XXXX with a with a large initial deposit. The account was approved and the HSBC withdraw the funds from my external account. On XX/XX/XXXX I attempted to login to my account and received a notice that the account was suspended and to call a certain number. 

I called the number and after 30 minutes was told that I was speaking to HSBC XXXX, not US. I called a different number and was put on hold for 1.5 hours and had to hang up. I tried again at XXXX XXXX and was on hold for 2 hours before the call was disconnected. I am just trying to figure out why the account was suspended and how to fix it but I can not get through to anyone. While I am waiting I do not have access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX name and account number ; XXXX XXXX XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX {$4900.00}, XXXX XXXX XXXX XXXX {$4900.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My information was compromised and used to obtain medical and other things. I '' ve noticed collection accounts on my credit report that are fraudulent. I 've submitted information to the credit bureaus however they do n't really seem to care too much. They 've helped some but national credit systems and security cred.. just to name a few really do n't care. I battled XXXX about 2 years ago and have not had time to address this until now. Hoping this will bring some relief. Noticed fraud items beginning in 2014 but like stated earlier too much in life was going on. I received letters from XXXX for our prepaid card and XXXX XXXX so I figured it was from this but this was just something that might have released. No One knows who stole my identity bc no cameras and police said it 's hard to track unless they use it local.
Product: Credit reporting or other personal consumer reports

I have been trying to dispute fraudulent information on my credit report for months The accounts were opened in result of fraud The Fair Credit Reporting Act mandates that all credit bureaus report only valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. They are not cooperating with me at all. This is in direct violation of the FCRA, 15 U.S.C. 1681 et seq.
Product: Checking or savings account

In XX/XX/2024 got automated {$300.00} loan from lendumo. Advised XXXX payments of XXXX next week got email of XXXX interest. That is blatant loan sharking. Lendumo needs to be put out of business. First loan shark payment withdrawn today.
Product: Credit reporting or other personal consumer reports

Due to 15 USC 1681, it states that the foundation for the FCR ACT, outline its purpose and emphasizing the importance of fair, accurate and confidential credit reporting practices. I have been included in XXXX XXXX XXXX XXXX data breach. Allowing my personal info to people I don't know. i have been receiving request by phone for all types of info the pass year and a half. In XXXX I seen an inquiry on my report and i called in to dispute it, to find out that someone has open an account with Prosper for XXXX XXXX I called the XXXX credit reporting company that houses my data ( the someone's who has lack security allowing my personal info to be linked ) to report it and they request me fill this FTC report after filing a stated dispute with them. I have an inquiry from Prosper and a account from Prosper and XXXX inquiries from XXXX that I didn't do. I am requesting that they remove these items immediately.
Product: Mortgage

I have a mortgage thru Pennymac. Back in XXXX thru XXXX I paid them on time and correctly thru wireless transfer from my bank to their account. They applied my payments to the wrong account. After I proved to them that I paired them and to the correct account they credited my account with the payments. I had to send them Notice of Error and Request of Information letters to get the problem fixed. They would not assist me over the phone.

My payments went as planned for two months and now the last two months payments XXXX and XXXX have not been applied to my account even tho I paid them thru wireless transfer. I have written another set of Notice of Error letters and Request of Information with no resolution yet. I am still getting phone calls and letters from Pennymac about being 2 months behind on payments even tho I have statements from my bank that I sent to them showing I paid in full on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month, I contacted chat and requested for them to provide a history of my disputes I have filed with Transunion, dating from 2015 to current with the results. The agent stated he requested the information to be unsuppressed and a copy of all of the information would either be emailed, XXXX, or mailed to XXXX XXXX XXXX XXXX, XXXX, GA XXXX. They also stated the request should be recieved within 7 to 10 business days.

Once this was completed, I noticed that all of my online access to my credit report and dispute history has been stating this information is no longer avaliable for online access. I have called and spoke to several agents and a manager for the status of the dispute reports and they have questioned " Why. '' Additionally, they keep advising me that I should only be concerned with the current information. However, FCRA promises me access to all of the information, past and current. Therefore, I am requesting a history of disputes filed with the results for my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis informed me previously by U.S. mail that they deleted the following fraudulent accounts from my consumer report : XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX/XXXX XXXX # XXXX. The fraudulent accounts are still listed on my Innovis Consumer Report. Furthermore, I requested for Innovis to Opt In for me to receive pre-approval offers for credit in the mail, and Innovis still have Opt Out on my consumer report. Innovis is in complete violation of the Fair Credit Reporting Act ( FCRA ) under federal law. Innovis is continuing to violate the Fair Credit Reporting Act.
Product: Debt collection

My husband received a phone call today XXXX/XXXX/XXXX that was supposedly from Phoenix financial services. Though the number that called him isn't even a phone number listed anywhere on their websites as a way to contact them. They spoke to him about my personal information regarding supposed debt. They told him I owed a XXXX dollars, but that they would settle for XXXX. They told him they have called me multiple times and they they've been told repeatedly that they have the wrong number. I have not received and calls or any mail about any debt owed to phoenix financial. He spoke to them a second time today and they tried to get more information out of him. When my husband started asking them questions they got flustered and stumbled over their words.
Product: Debt collection

Someone used my identity to open a mobile account, Ive included the accounts in my FTC fraud report
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXX Balance : {$2600.00}
Product: Checking or savings account

I went to a XXXX ATM on Monday XX/XX/year>. I put my ATM card in and asked the machine to withdraw {$160.00} dollars from my checking account. The machine gave me {$0.00} and a receipt that showed a withdrawal for {$160.00}. The ATM literally did NOT dispense. I contacted the XXXX XXXX XXXXXXXX number and made a report. I asked if they could give my money back. They said they could not and that I would have to file a chargeback with my bank. I called and told CHIME what happened. They said the money was gone. They then opened a dispute. That was the XXXX. Now here I am out {$160.00} for almost 2 weeks. No provisional credit from CHIME. I called chime customer service and the man said this could take until XX/XX/XXXX to get a final decision. This is ridiculous. I have bills. I was told the ATM has a camera. I was told by XXXX that they would send someone out to the ATM on XX/XX/year>. After calling again today XX/XX/year> I was told they did not send someone out until XX/XX/year>. They claimed there was a technical issue with the transaction on XX/XX/year>. Again they said they could not do anything, talk to my bank! I spoke to Chime bank 2 x today. I was told they do NOT have to comply with regulation E for the provisional credit because I have a credit builder account. This is outrageous!
Product: Credit reporting or other personal consumer reports

Customer Experience XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX with a XXXX Master Card ( Account number : XXXX XXXX XXXX XXXX ). My cell phone number is XXXX, and my postal address is XXXX. XXXX po box XXXX XXXX, XXXX. XXXX. 
I have not received my XXXX Bank  XXXX XXXX ( Account number : XXXX XXXX XXXX XXXX ) statements since XX/XX/XXXX. Since I seldom use it, I was not aware of it until the XXXX of XX/XX/XXXX, when a XXXX Bank representative called me to notify me that I had a XXXX month past due {$110.00} minimum payment. Since I always pay on time, I was surprised to receive this notification. Therefore, the same day, I went to the XXXX XXXX XXXX XXXX Bank XXXX to investigate the situation. 

During my personal visit to the bank, I paid the whole XXXX XXXX XXXX : {$6200.00}. In addition, I paid the interests ( {$110.00} ), and late payment ( {$35.00} ) charges associated with it : {$150.00}. During her investigation, the XXXX Bank official found that the bank had an error in my address, which was fixed while I was there. I requested the last XXXX months statements ( from XX/XX/XXXX to XX/XX/XXXX ), and this were e-mailed to me, and I received them that same day. However, the bank still owes me the credit card statements from XX/XX/XXXX to XX/XX/XXXX. 

Since I never received the XXXX XXXX statements, XXXX Bank did not comply with popper billing practice. Therefore, I am requesting that this late payment be erased from my credit card history and be notified to the Credit Bureaus as such. Although, XXXX Bank had an address error, which accounts for its failure to adequately bill me, they were able to bill me properly since I opened the account until XX/XX/XXXX. In addition, the company never called me to notify the XXXX missed payment, until it became delayed by more than a month. Moreover, as soon as I was notified, I immediately paid the complete balance due, thus showing diligence and responsibility. Therefore, since I never called or visit the bank to request an address change, XXXX Bank is responsible for the address mistake that gave rise to this missed payment. Hence, my request is more than justified. 
As I clearly explained, XXXX Bank is accountable for the missed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$25000.00} DEPTEDXXXX XXXX {$5900.00} DEPTEDXXXX XXXX {$12000.00} US DEP ED XXXX {$18000.00} XXXX XXXX XXXX {$3900.00} XXXX/XXXX  XXXX {$8200.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$2600.00} XXXX XXXX {$3500.00} XXXX  XXXX {$5100.00} XXXX  XXXX {$6000.00} XXXX XXXX {$1400.00} XXXX  XXXX {$5000.00} XXXX  XXXX {$5500.00} XXXX, XXXX XXXX {$1400.00} US DEP ED XXXX {$44000.00} DEPTEDXXXX   XXXX {$2000.00} XXXX  XXXX {$2000.00} XXXX XXXX {$8500.00} XXXX   XXXX XXXX {$4200.00} XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX {$3800.00} US DEP ED XXXX {$15000.00} US DEP ED XXXX {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I cleared up a discrepancy with XXXX XXXX in Arkansas after my business was frauded. 
I have a statement from Chexsystems to that effect. I have 4 bank accounts currently and have moved out of a 4 hour distance to a branch bank. I can't get another bank to open an account in my area because # 1 the information on my consumer report is not accurate, the previous notice was cleared up immediately once I found out about it. # 2 The information of suspected fraud activity from 2014 is still showing up on this report, and Ive been turned down by 2 banks because of it. I am the VICTIM of the fraud activity and I am being made out to be guilty of it somehow. # 3 I have been treated like a criminal or something and I havent done anything. According to your latest letter regarding my rights this information can not remain on my history for more than 1 year.

# 4 I wish to withdraw from your agency. It has done more harm than good. I know my current credit scores and have worked over 2 years on getting letters of credit from  companies i have paid. I have had a score of 0. No Credit!!! I have paid off 3 mortgages, several vehicles and have lost a business due to fraud. Im sick of this and of the entire usa that allows this with no recourse. ( XXXX XXXX, XXXX XXXX ) on and on and the people getting screwed never see any recourse or compensation for the damage others are doing. What a XXXX hole this country is!! STOP FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed via certified letter disputes for public record information being reported on my credit report as well as negative information for accounts being reported by Experian. Experian received my dispute along with supporting documentation on XX/XX/2020. It has been well over 30 days and Experian still has not started or even responded to my request for reinvestigation, and it is now the end of XXXX. 

They are now in violation FCRA for failure to reinvestigate and and continuing to report false and inaccurate information. 
1. The first dispute EXPERIAN FAIL TO INVESTIGATE IS A PUBLIC RECORD, which they list a 3rd party as a furnisher of information when they are not and had no knowledge of any investigations performed on behalf of Experian. 
2. They failed to investigate specific disputes for accounts Andresw XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX After signing for for my disputes no investigation was ever started nor was I given a reason as to why. 

Experian never replied or reinvestigated my public records dispute after supplying them with documentation of there false reporting. 
Experian never open started or investigated my public record disputed that they sign for on XX/XX/2020. nor did they investigate negative account information after I submitted supporting documentation There are multiply FCRA violations going on here, as well as in my Credit Report 1. The furnisher for the Public Record listed on my report says that they are not furnishing anything to Experian involving my name, I have proof of that. 
2. Experian is listing incorrect and a false information as well as a false furnisher of the information in public record section of my credit report. 
3. Experian did not provide me with original documentation proving their investigation or result. They did not provide me with the Method of verification documents I requested. 
4. They did not do a proper investigation according to FCRA 5. Experian was in violation on the 31st day after failing to investigate The FCRA is very clear on the way disputes are to be handle with the furnisher of the information that it originated from and the Credit Bureau must accurately list that furnisher of information on the credit report. 
The 2 entities that they did list don't have the the legal right to furnish or verify any information or do any investigation. 
Is is also clear as to negative account that can not be verified and that there is 30 days to complete a reinvestigation, which also did not happen here Enclose is the original disputes along with some of the supporting documents, even thou Experian already has a complete set
Product: Checking or savings account

Ive submitted a dispute about a transaction around the XXXX of XXXX. The lady herself told me regulation E mandates any and all banks provide a provision credit or refund until the case is solved and I havent received anything. My financial advisor works at a bank and he was the one who alerted me of this violation so I am trying to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX SS : XXXX XXXX XXXX XXXX XXXX NY XXXX TOYOTA MOTOR CREDIT A/C XXXX ( XX/XX/2015,XX/XX/2015,XX/XX/2015 XX/XX/2015 ) late payments reporting.

I had made all payments on time trying to resolved late payment issue with Toyota, they keep denying it i feel like hopeless and its effecting my life.i am in contract buying house and won't to be able to get mortgage because of this late payment.

Attaching Credit reports.