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

I sent in a dispute letter to remove inquires to Experian on XXXX XXXX and I have not received a response back. I have tried calling Experian on XXXX XXXX and XXXX asking for status of the letter. I also have tried disputing the inquires over the phone. I am told that there is nothing they can do and they will remain on my credit report for 2 years. I did not authorize the inquires and I advise them they were not done by me. I was told to contact the companies to have them removed and I have tried that as well and the companies do not have any information on me or who I am, they told me to contact the bureau because obviously they were entered in error on my report. The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. I would like the below inquires to be removed from my credit report and for the reason that Experian did not respond to me in 30 days and just ignored my previous attempts to dispute the inquires. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX 5.  XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 2nd issue : I have contacted Experian on XXXX XXXX and XXXX XXXX about a bankruptcy reference XXXX that is showing on my credit report that is not mine. Both times Experian stated that account was verified as being accurate but failed to provide any documents on how it was verified and with who. According to the Clerks Office of The United States Bankruptcy Court ( XXXX XXXX of GA-XXXX XXXX ), the US Bankruptcy Court does NOT send, furnish or report any information to credit bureaus nor does it know the procedure and process of said agencies. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The Experian Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature With that being said, I find it very hard to believe that this information was verified. I would like this judgement to removed due to Experian being able to verify or show proof that I own this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to get all old personal info wiped and will not do all is wrong and inaccurate. Please remove personal info. I have only applied for XXXX things in in last 3 years and it show I have over XXXX inquiries. This is not me
Product: Student loan

I made arrangem ents with Navient in   XXXX   XXXX  to pay {$100.00} every month that was automatically drafted from my bank account.     I lost my job in  XXXX   XXXX  and when they call to ask if I can make a payment and I explain that I ca n't they say they will mark it as failure to pay.     In late  XXXX , a gentleman from Navient called to see if I would be interested repayment options and I told him I would. He then asked me about my co-signer. I asked him what did the co-signer have to do with repayment options. He hung up the phone.     This company is not interested in helping consumers repay their loans. I paid for a year and the balance never decreased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SEE THAT THERE ARE PUBLIC RECORD THATS SHOWING ON MY CREDIT FILE I NEVER HAD ANY PR, SO I WOULD LIKE TO SEE THAT THIS MATTER IS UPDATE AND REMOVE ASAP. 

1 US BKPT ACCOUNT # XXXX 2 US BKPT ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by. Based on their lack of responding in the time frame and their investigation results they have not abused by laws.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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.
Product: Checking or savings account

XX/XX/ ( {$35.00} ) and XX/XX/ ( {$300.00} ) I used XXXX to add funds to my account. The funds were posted, verified and confirmed by my bank Bank Of America on XX/XX/. I used that account to pay bills that day. One of the bills I paid was my Capital One credit card bill. On XXXX XXXX XXXX  I saw that I had a negative account balance due to funds missing from my account. My Capital One credit card payment ( {$120.00} ) was returned I received a late fee of {$29.00} from Capital One. When I saw I had no money in that account and my payment was returned I immediately paid my bill through another bank I have an account with but unfortunately it proved to be too late I still got the late fee. I was so upset especially because I have never been late on payments. Id just gotten a credit increase and this made me look bad to the credit card company. The funds I sent to Bank of America through XXXX were added back into my account days later. I called Bank of America and asked them would they pay the late fee or any fees incurred due to their mistake but they said No they were not paying any fees due to their errors.
Product: Credit card or prepaid card

XXXX  mastercard is charging me for an amount that they already refunded to to a charge made on my account that was not made by me. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was charged {$10.00} each month for XXXX which I did not purchase. I called and disputed these charges and XXXX refunded my account. I closed this account afterwards due to the annual fee and they reinstated these charges. I've called several times to resolve this and the last call I was informed that a supervisor would call me back ... This has not happened. I would like to file a complaint and know what my rights are as they are trying to extort money out of me because I simply closed the account. I have the letter of dispute and the final statement that shows a XXXX  balance which should have been enough, but XXXX told me that it doesn't matter and the charges are valid. All files are electronic and now I can only access back to XX/XX/XXXX ... ..
Product: Mortgage

Newrez continues to add daily interest to a loan that I have already paid off and they continue to attempt to charge me mortgage payments. Now they have also added hazard insurance. This property is sold and I do not own it, I have made the payment in accordance with the payoff statement that they provided and yet they continue to try to charge me for this mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a major security breach release large amount of my personal information. I received multiply phone calls about fraud activities with my social security information that was released.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't provide exact dates because I have been trying to get this matter settled with the Department of Education, XXXX XXXX ( XXXX XXXX XXXX ), as well as XXXX XXXX ( chairman ) from XXXX XXXX XXXX XXXX, for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. 

I am also a XXXX Veteran. I am submitting two separate XXXX XXXX ( documentation ) for proof and the account should be XXXX. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of XX/XX/1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting and management of my account with FNB Omaha as it currently appears on my credit reports with XXXX XXXX XXXX XXXX 

After reviewing my credit files, I have identified serious inaccuracies, inconsistencies, and harmful reporting practices that violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically : Violations Identified : 1. Inconsistent Balance Reporting : {$2900.00} is reported to XXXX XXXX XXXX ; {$2800.00} is reported to XXXX

Under the FCRA, balances must be accurately and consistently reported across consumer reporting agencies. 
2. Inconsistent Last Activity Dates : XXXX XXXX XXXX  report XX/XX/scrub>XXXX while XXXX reports XX/XX/year>XXXX 
Differing last activity dates artificially manipulate credit scoring models and mislead future creditors. 
3. Conflicting Payment History Reporting : Payment history is not reported uniformly across the bureaus, with multiple NR ( Not Reported ) gaps at XXXX compared to consistent OK marks elsewhere.

Payment history must be fully and consistently reported under the FCRA.

4. Inconsistent Credit Utilization Reporting : Utilization rates are reported at 100 % on some bureaus and 94 % on others, creating misleading impressions of my debt-to-credit ratio.

Resulting Harm : These violations have caused : Damage to my credit scores, Denial of credit opportunities, Higher interest rates, Emotional distress and reputational harm.

As such, these violations entitle me to seek remedies under 15 U.S.C. 1681n and 1681o for statutory damages, actual damages, punitive damages, and attorneys fees if necessary.

Formal Demands : 1. Balance Adjustment : I demand that the current outstanding balance of [ {$2900.00} or current amount ] be adjusted to {$0.00} immediately.

2. Retention of Open Account Status : I demand that this credit card account remain open and active with no derogatory reporting, no account closure, and no adverse changes to the accounts good standing after the balance adjustment is made. 
3. Monetary Compensation : I demand monetary compensation of {$5000.00} to resolve the damages sustained as a result of the reporting violations.

4. Written Confirmation : I require written confirmation of the zero balance adjustment, open account status retention, and resolution of my dispute within 15 calendar days of your receipt of this letter.

If you fail to respond appropriately or correct these violations, I am fully prepared to escalate this matter by : Filing formal complaints with the Federal Trade Commission ( FTC ), and my State Attorney General ; Initiating a lawsuit for statutory, actual, and punitive damages under the FCRA.
Product: Checking or savings account

I opened an account with BMO that came with a {$300.00} bonus if certain terms were met. I completed these terms ( as confirmed by company representatives, received 3 dates that the bonus was supposed to post by, and it still has not posted ). I no longer trust what the company representatives say, so this is my best resort. I've basically been lied to at least twice ( bonus will post by xx, it didn't ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Mortgage does tax fraud by reporting late payments and dalinquincies that do not exist. They did this with my mortgage and said that I was late with payments after the mortgage was already paid off and for a period of time where the mortgage was already paid off and could not have been late.
Product: Checking or savings account

I am writing to urgently address an ongoing issue with my account related to a recent vehicle rental from XXXX. In XX/XX/XXXX, I rented a vehicle and returned it in XX/XX/XXXX. Subsequently, I noticed recurring charges on my account despite the vehicle being returned. Despite being assured by a XXXX representative that the extra charges would be refunded, the problem persists after multiple follow-up calls. 

During my recent conversation, a representative informed me that there was nothing they could do to assist and advised me to contact my bank. Unauthorized transactions were made to my account, and despite efforts to resolve this matter directly with XXXX, the issue remains unresolved. 

I had a conversation with XXXX from Citi Bank disputes department, and she informed me that my account had been charged XXXX times for a total of {$8200.00}. She submitted several complaints on my behalf and provided me with reference numbers. However, although she assured me that my account would be credited for the unauthorized charges, my account currently only reflects a balance of {$800.00}, which has only worsened the situation. 

I am formally requesting the immediate removal of these unauthorized charges from my account and the corresponding finance charges to be credited back. Further, I am requesting a corrected statement that reflects these adjustments. 

I am also requesting Citi Bank to conduct a thorough investigation into this matter and rectify the unauthorized charges promptly. Additionally, I request copies of all applications and business transaction records related to these fraudulent activities in accordance with FACTA regulations and my status as a victim of identity theft. These records can be directed to the address on file. 

I sincerely appreciate your immediate attention to this matter and eagerly anticipate your assistance in addressing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 i received an credit alert about XXXX XXXX XXXX and ive reached out trying to have this removed from my report this is an un authorized inquiry
Product: Payday loan, title loan, or personal loan

On XX/XX/22 I emailed a Revocation of XXXX authorization to XXXX On XX/XX/22 I received a notification from my XXXX XXXX account stating that Crediterium had tried to process an an XXXX transaction in the amount of {$170.00}. 
On XX/XX/22 I sent another email Revocation to XXXX, and also submitted a secure message directly from their website. 
On XX/XX/22 I received an email from XXXX stating that they had received my revocation email and assigned it ticket number ( XXXX ) On XX/XX/22 I received notification that Crediterium once again tried to run an XXXX  authorization for {$170.00} On XX/XX/22 I called XXXX XXXX and had them put Crediterium on a permanent Do Not Pay and provided them the information regarding the multiple dates of revocation emails. 
On XX/XX/22 I received another notification from XXXX XXXX that Crediterium was continuing their attempts to make ACH withdraw from my account in the amount of {$170.00}. 
On XX/XX/22 I received another notification from XXXX XXXXXXXX that Crediterium had again attempted to make an XXXX withdraw from my account in the amount of {$170.00} On XX/XX/22 I received another notification from XXXX XXXXXXXX that Crediterium had again attempted to make an ACH withdraw from my account in the amount of {$170.00} On XX/XX/22 I sent another secure message to Crediterium from their website stating that I was filing the complaint, stated the ticket number and their acknowledgement of receipt of the revocation of XXXX authorization, and told them that I was also turning them into the Missouri Attorney General for Illegal transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Account # XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Product: Checking or savings account

After finally receiving money from CA EDD, now bank of America EDD account won't allow us to transfer all of the money out to our account. They cap it at $ XXXXweek. We called and got transferred to 4 different people with different instructions and policies. The 4th manager said he remembers a form that we can fill out to transfer all the money out at once, but can not find the form. He recommended that we just send out {$5000.00} a week. We couldn't believe it so called back again with a different representative telling us that there's no such exception with the transfers unless we go to the physical location and they can do it. We spent 30 minutes in line at the bank just to be told that there's a cap of $ XXXXweek when we do it at the physical location. We got so frustrated and filed a complaint with " Consumer Financial Protection Bureau ''. The representative contacted us after a couple days, got the story and said she would email us. It's been 4 days and we called twice to follow up with no return phone calls and no email nor resolution. Our money is still stuck with Bank of America. This is madness that after the state screws up and delays, then it's the bank 's turn to hold our money hostage during this whole pandemic. We are forced to use Bank of America through EDD and it's not a choice. EDD automatically transfers the money and provide us with a debit card with this bank of America. Not sure why they don't just allow us to do direct deposit into our personal accounts. I am also concerned of keeping my money in the Bank of America EDD account for long as the news have been reporting a lot more theft associated with these accounts. I also don't want to be providing a 0 % loan to bank of America. Whenever we do something late there's always charges associated, but when the bank screws up the consumers also pay the price. This incompetence and callousness has to stop. I need resolution ASAP and not in a month due to the bank 's incompetence.
Product: Checking or savings account

I discovered on XX/XX/2018 that my Citibank checking account is blocked. I am unable to use my debit card at ATM or make a ACH transfer of the funds. I called Citibank customer service as well as Citibank fraud prevention departments where I was notified that my account is " on hold '' for the reason they are not allowed to discuss. I called again later and talked to XXXX from Citibank XXXX in TX. I underwent a scrutinized quest by XXXX that included some phone numbers that I have abandoned 10-15 years ago. I was given 1-2 seconds to think to recall this numbers, like I have to remember them after abandoning years ago. After that quest XXXX stated that I failed to pass their security check and he is no longer able to discuss any matters related to my account. Later I called Citibank additional time and again was not able to get any meaningful instructions on how to unblock the account. At this point Citibank advises me to visit their local office in XXXX XXXX, CT, where I opened the account, to resolve the issue. I explained to the Citibank representatives that I am a USA citizen living abroad in XXXX, XXXX and I am not able to visit any Citibank branch in the USA at the moment. Citibank should provide a clear and meaningful instructions on how to unblock my account, so I have an access to the funds. Visiting Citibank US branch is not reasonable since I reside in XXXX. Citibank has a local branch in XXXX, XXXX where I reside, so if Citibank will call that branch to setup an appointment that will resolve the issue. I expect US Citibank fraud prevention department to set up an appointment at the Citibank local branch in XXXX, XXXX for my visit to take the necessary steps to unblock my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : DEPT OF ED/XXXX : XXXX -- -> : {$7100.00} XXXX, XXXX : XXXX -- -> : {$270.00}
Product: Checking or savings account

I received a refund check from state of nj for reimbursement of prescription copays. I received my check on Saturday XX/XX/XXXX by mobile deposit. I had a current balance in my account if {$2700.00}. Wells Fargo accepted mobile deposit and I received credit if {$400.00} on check and the rest was to hit account on XX/XX/XXXX. After XXXX hours I received an email stating that account was to close in XX/XX/XXXX due to deposit of fraudulent check/ altered item being deposited to my account. I could not reach Wells Fargo that day because it was a weekend so I had to wait until Monday XX/XX/XXXX to contact their loss prevention department. At XXXX! am I spoke to loss prevention and was advised that my account was closing because of the mobile deposit in XX/XX/XXXX. I explained this was a state check why is there a problem. I was advised that logo was not what they were use to. I stated their job is to verify my check to call maker. Gave them all information pertaining to this item. Put me in hold XXXX minutes said they tried to contact maker however there wait time to hold exceeded XXXX minutes and their policy does not allow them to hold longer than XXXX mins. I was offered to call back loss prevention later that day give new support member same info and they would try to contact maker again. 
I told them there job is to confirm their accusation and its their job to contact and wait as long as given to clarify deposit. Told me to go to state get a letter if verification get it notarized and then send to bank. 
I explained again thats not my job. By the time I did that my account would be closed and I would have no account to have my social security direct deposit to go. All bills would be rejected I would have no money because of their accusation I requested to speak with manager. She advised there is nothing they could do until check is processed. I told her thats fine process item but you are only giving me XXXX weeks to get a new account because you are closing my Wells Fargo account XXXX. Check would finish processing in XX/XX/XXXX. That is almost 10 days to confirm state check. They will no longer accept deposits on my account. All of my deposits are direct which I live off of Social Security and Pensions I then had to open a new account at another financial institution and set up all new direct deposits however social security advised I can only change my financial institution online and it would not take effect until XX/XX/XXXX. This leaves XXXX  social security direct deposit in limbo and nowhere to go. I called Wells Fargo back and they said there was nothing they could do. On XX/XX/XXXX I checked my account and found that they removed this deposit which has now put my account in the negative of over {$500.00}