23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this CFPB affidavit complaint to request, pursuant to FCRA XXXX or XXXX XXXX. XXXX, that you, the TRANSUNION Credit Reporting Agency XXXX block informations appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of : XXXX Fraudulent accounts : Ability recovery services opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXXXXXX opened XX/XX/XXXX, XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, XXXX XXXX  opened on XX/XX/XXXX XXXX Unauthorized inquiry : XXXX  XXXX on XX/XX/XXXX Those accounts are results in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I attach a list of the hard inquiries in question, as well as a copy of the consumer XXXX  credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. Those accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, and hard inquiries are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the XXXX Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Prepaid card

So when I filed for unemployment three months from when I applied to, when I actually got my debit card, the process was tedious to say the least. It took an additional five weeks for my car to arrive and I had no access to my funds that were back paid for an entire year. That may drive a girl a little man having no money having to stay in a place where she didnt wan na stay just waiting for her debit card And then the day that I got my debit card I was leaving the grocery store and my wallet was stolen in the parking lot. I my phone was stolen my wallet. I tried to contact Bank of America the next day and let them know, but I couldnt get through and I felt defeated, and I didnt know what to do When I finally got a hold of Bank of America a few months later I explained the situation and they opened a claim and then denied my claim. It was like an automatic denial, and I went through months and months and months of trying to get through to Bank of America to file a claim or discuss my claim or to get some resolution to order a new card I mean, I guess someone else was able to order a new card under my name to an address that I dont know, but I did I have not been able to. I was not able to order a card at that time somebody else did, but that wasnt me. It was to some other location. One of the agents told me an address once but I dont remember where it was exactly it was in XXXX XXXX but Ive never even been there before in my life so I dont know how I would be getting mail there. They have continued to deny my claims and have neglected to give me the documentation that I have requested and now this last time I requested statements because I cant access the online banking anymore. They said they couldnt verify my identity over the phone and I had to go into the bank while my my ID is broken in half and I need to go to the DMV to get a new ID but I dont have money because I havent been paid back by Bank of America XXXX I did also file a police report in with XXXX XXXX in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past couple of months since XX/XX/2021, I have been trying to have the credit bureau fix my personal information that is being reported. This company never responds to my letters since I've XX/XX/2021. I will attach proof of address with my license to show proof what my current and only address has been the past XXXX years.
Product: Checking or savings account

Subject : Consumer Complaint - Citibank Account Closure Following Misleading Customer Service Information ( Citi Reference Number : XXXX ) Product : Checking Account ( ending in XXXX ) Financial Institution : Citibank Issue Type : Closing or managing account / Account closure without adequate notice or explanation What Happened : On XX/XX/year>, I contacted Citibank 's customer service about my overdrawn checking account. Their representative provided specific instructions, stating that paying a {$40.00} overdraft fee would reactivate my account. Following this guidance, I immediately transferred {$550.00} to cover both the supposed fee and any overdrawn amount. 
The bank 's actions have resulted in several consumer protection concerns : Misrepresentation of Services : The representative provided incorrect information about account reactivation requirements I was instructed to pay an overdraft fee that contradicts Citibank 's published policy of not charging such fees Unfair Account Closure : Despite following the representative 's instructions and transferring funds, my account was closed No clear explanation or prior notice was provided for the closure The bank failed to specify the actual overdrawn amount or any legitimate fees Lack of Transparency : No documentation was provided regarding the reason for closure The bank has not addressed the discrepancy between their representative 's instructions and their actions Have You Tried to Fix This Issue? : Yes. I have contacted Citibank 's Executive Response Unit requesting : Review of the XX/XX/XXXX recorded call Verification of the representative 's instructions Clarification of actual overdrawn amounts and fees Explanation for the account closure Desired Resolution : I am seeking either : Reactivation of my account, as promised by their representative, or A detailed written explanation of the closure decision, including : Documentation of any policy violations Clarification of the contradictory information provided by their representative Explanation of why the {$550.00} payment did not resolve the issue Fair Resolution Expected : This situation demonstrates potential unfair and deceptive practices in violation of consumer protection laws. The bank 's actions have caused significant inconvenience and appear to violate basic consumer rights to accurate information and fair treatment. I request CFPB 's assistance in obtaining appropriate resolution and ensuring Citibank adheres to proper consumer protection practices.
Product: Checking or savings account

On XX/XX/2022 I paid my electric utility bill of {$250.00} using Key Bank bill pay. The electric utility merchant say they never received the payment. Key Bank provided proof of payment, but the merchant said Key Bank is using XXXX, a third party who has been paying my bills using various credit cards, such as XXXX and XXXX Card. Key Bank said they can't provide my with any details on the credit card XXXX used to track down the missing payment. This is unfair deceptive business practices. I never authorized my bills to be paid by credit cards. Please help. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

OnXX/XX/XXXX paypal paid XXXX to the wrong account. I immediately notified them but they refused to reverse the funds. They were paid for by a paypal credit account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 Bank of America credited my account twice instead of once due to what appears to be a technical error ( they admitted as such when asked over the phone ). During this period my credit account was shown as negative. I continued to post payments as asked by the bank according to its own official statements. Several statements ( from XX/XX/2023 to XX/XX/2023 ) showed {$0.00} due for that cycle and therefore, I did not post any payments during that period as I assumed I had overpaid previously. On XX/XX/2023 the bank rectified the mistake and charged the account for the erroneous credit. At this point I first became aware of the issue, and of course, paid my balance for the next month in full, as I have always done for the many years I've been with the bank, and through all my other open and closed accounts anywhere else. 

Despite this, the bank later reported to the credit bureaus that my credit card was delinquent for 60 days ( during XXXX and XXXX ), even though, at no point in time, I had an official bank statement stating any amount was due and unpaid. After months of back and forth and wasting countless work hours of talking to the bank and several assurances by some bank employees to fix this - as they admitted to me over the phone to the bank 's own contributory negligence in that matter- my credit score seemed to be fixed- only to later realize it was done so only during the investigation, while the bank actually kept reporting to the bureaus that the delinquency information is actually correct. More months had passed, I tried the same route of talking to the bank, being ping-ponged to different departments, having told I need to wait for months for this to be fixed. I went through another cycle of investigation where my credit was seemed to be fixed, but again, it was only temporarily during the course of the investigation, and I was back to square one. It had appeared at this point, after more than 6 months, that I have exhausted my options dealing with the bank directly on that matter. During this time, I was unable to rent an apartment and have good conditions on a car loan I was seeking, and this had caused me some adverse financial burdens as a result of seeking different routes. 

I should note that one agency - XXXX - actually did retain the corrected information for my accounts, and does not show the delinquency, while the problem persists currently with XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This investigation has been a on going matter. XXXX, XXXX and Equifax sent me a credit report XX/XX/2021 stated XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has add a derogatory mark on my credit report per XXXX XXXX Upon further research this account, Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contact or written signature this does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX, XXXX and Equifax has violated my rights as a consumer and im requesting legal action to remove this account immediately. please provide
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I have attached my credit report to this highlighting all the inaccurate information. 

Account name : XXXX XXXX XXXX  XXXX : Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

This inaccurate account is stopping me from the ability to get credit cards and a house for my family.
Product: Payday loan, title loan, or personal loan

Please have Figure Lending LLC ( located at XXXX XXXX XXXX XXXX, XXXX Floor, XXXX, NC XXXX ) seize all further communication with me and remove my name from all marketing letters. They have inappropriately advertised HELOCs multiple times that I never signed up for. I simply do not know how they obtained my home address.
Product: Credit card

There are two County Civil Suits pending in the District Court of XXXX XXXX XXXX Florida. XXXX and XXXX between myself XXXX XXXX and JP Morgan Chase N.A . The amount in dispute is {$9300.00} for XXXX and {$9400.00} for XXXX. To sum up the situation, the last correspondence I had with them was over 1 year ago and was told that I could pay half to settle both accounts but unfortunately I did not have the money. They told me the accounts were being charged off and never received correspondence after that. There was nothing I could do at that time. I was just starting to barely recover from XXXX financially. A coupe of months ago, I was informed by an attorney that I was being sued by JP Morgan Chase and the legal related information was online. Most shockingly, the representative that tried to serve me papers camouflaged themself as a carpet cleaner technician to unlawfully enter my building. When I tried to question the representative by telephone, the representative mocked me with inappropriate emoji 's. From what I understand he was also banging on the door incessantly at early hours of the morning when I was not at home.
Product: Debt collection

I owe money for a XXXX  card, Buckles & Buckles purchased the debt from XXXX, I called Buckles & Buckles early in XXXX to pay off the debt and when I spoke to the person with the company, I was told that I can not pay off the debt because they did not have my file and that they would call me back so I can pay it. I never received a call back from or any other communication. Today, XX/XX/XXXX, I was served a summons from Buckels and Buckels regarding this debt. I never received any other bills or communication from them regarding this debt nor would they let me pay off the debt when I called them in early XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting 2 credit card accounts as " Card Over Limit ''. One of these is a XXXX XXXX and the other is a XXXX XXXX  XXXX. I have contacted both XXXX and XXXX XXXX  and both of these banks have told me that neither card is " Over Limit ''. Both cards are currently at their limit, but not " Over Limit '' and both banks have told me they are not reporting the cards as " Over Limit ''. My credit score has crashed from XXXX to XXXX in the last 30 days. I have contacted Experian and they are doing nothing to correct these errors.
Product: Credit reporting or other personal consumer reports

on XXXX, i sent all XXXX CRA 's ( transunion, XXXX, and experian ) a dispute letter concerning the reporting of inaccurate reporting on my credit report that never gotten deleted, as well as inaccurate personal information, and unverified inquires that are in violation of 15 usc 1681b. this is causing me harm and denials from buying a home with my credit and missing time from work from stressing.i request that the inaccurate information be deleted from my credit report
Product: Credit card

Chime is reporting to my credit with the wrong address for years. My credit profile now adds random accounts. Ive ask Chime for over a year to stop reporting but for some reason they are violating my rights. At this time im looking for voluntary monetary relief. If not voluntary then i will move to more drastic measures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX, Equifax and XXXX consumer report and I noticed some inquires on my consumer report that I did NOT authorize and NOT attached to any open accounts. 
XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax compromised my credit. They then sent an email asking for me to " enroll '' in protection. What the enrollment actually did was " opt '' me out of a future lawsuit. Essentially, I was tricked.
*This is related to the recent security breech by Equifax affecting 140 mil people in the US .
Product: Debt collection

CFPB, I have been the victim of Identity Theft, someone opened a payday loan account with Check N Go with my information. I have escalated this to FTD and the DOJ. The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/2010. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the financial institution must immediately place a dispute code on its subscribing credit bureau reports Please also confirm : Ownership of account Outstanding balance reported Disclosures Contract And any other necessary information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

My account with XXXX XXXX & XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX & XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated 2 complaints ( XXXX ) to Transunion about a home improvement loan that they state in their report was not paid /has an outstanding balance from XXXX ( account ending in XXXX ) stating that in the month of XXXX a loan was paid is full from the proceeds from the sale of my property XX/XX/XXXX ( XXXX vittum hill rd.sandwich n.h. XXXX ) There is actually a zero balance on the disputed XXXX account as stated in other credit reporting bureaus.I also have contacted greensky who sent me a letter dated XX/XX/XXXX stating there is a zero balance on acct ending in XXXX, this letter was submitted to transunion for whatever reason they choose to ignore the FACTS.
Product: Credit reporting or other personal consumer reports

Attached is the initial request for Experian to investigate the inquiries that appears on my consumer report. They have, thus far, failed to comply and therefore have violated the law. 

For over XXXX years I have requested investigations on the inquiries and have not received evidence of XXXX. Experian is breaking the law and causing injury. 

This is my final administrative attempt prior to filing suit.
Product: Mortgage

A Loan wa s originated in  2006  with a Deed of Trust in the amount of {$240000.00} for a purchase in Arizona totaling {$350000.00}. The balance of the purchase was cash from the sale of a home in California.   XXXX  There was a " PrePayment Penalty '' if the loan was paid off within the first 12 months of {$90 00.00} ( 6 months interest ). The  " PrePayment Penalty '' was recorded as a " Deed of Trust '' which should have been released after the  XXXX  payment.   XXXX  The loan payments are current with no additional charges. There is an attempt to sell the property. The "  PrePayment De ed '' is still showing as a recorded lien. The company originating the loan is out of business, the first servicer is out of business but was purchased by a national bank. That bank transferred servicing to an active company.   XXXX  Bot h the servicing company and the  bank which transferred the loan denies any responsibility to release the lien.
Product: Payday loan, title loan, or personal loan

I paid off a 60 month loan in 18 months. The last  XXXX  payments were large amounts. The monthly amount was  XXXX . In  XXXX    XXXX   I paid approximately $  XXXX  {$11000.00} towards the loan. In  XXXX    XXXX  , I paid off the remaining balance which is approximately {$8900.00}. The payment date was  XXXX   XXXX . The final {$8600.00} paid the loan info. Because it was not paid on the  XXXX  they have now assessed a   XXXX   day late on my credit report. I spoke with them about this and asked them to remove it. He said I had paid the loan off satisfactorily but they would not remove the 30 day late. Even though it was n't even 30 days late it was  XXXX  days past the due date. And the only reason I posted late is because they have the wrong bank information.     Please advise next steps.    XXXX   XXXX