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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

On several occasions dating back to XXXX  Ive filed disputes with all bureaus and treatment has been the same. Most of my personal information is incorrect filed disputes never heard anything items have been removed and put back on report. 
To think a company with so much power could be so careless on purpose is unreal The accuracy of there filing as left me without for many i applied for an auto loan was dined the next month and old repossession popped up that had been removed. Almost to ensure I couldnt get a car. The moment you switched to the free version they prevent you from moving on from the company and its services single handily destroying the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After the XXXX data breach, I placed a freeze or lock with all 3 major credit bureaus. Experian is the ONLY one that charged money and they are the only bureau that I have been unable to unfreeze my credit with. There is no one to speak to on the phone and Experian 's automated system and online support 's only suggested recourse is to send a letter with my information. I have been advised that I may lose a car loan because of Experian. It is totally unreasonable to charge for a service when people have been taken advantage of and not offer any customer service. They are holding my own credit future hostage and I ca n't imagine that I am the only victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been sending rightful claimants threatening letter about their claims. They are clearing attempted to intemidate and undermine the claims process of the average American. This company was wildly irresponsible with my protected data and their behavior in attempting to XXXX over the average Joe is reprehensible. 

They will continue to twist and turn to deny money from less diligent Americans Claim # XXXX
Product: Checking or savings account

I opened a Business Advantage Checking Account with Bank of America on XX/XX/2022. At the time, Bank of America was offering a promotion where the account would receive a {$500.00} cash bonus when making {$20000.00} in Qualifying Deposits within XXXX days of opening and maintaining the minimum average balance for XXXX days. I fulfilled all the terms of the bonus, but Bank of America did not honor the bonus. The terms of the bonus from Bank of America 's website is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company twice and they refuse to correct the errors on my report. They are indicating the information is accurate. The 2 other credit reporting agencies have corrected my report. I have asked them to remove incorrect names on my report.

XXXX XXXX XXXX - This is incorrect I have no knowledge of who XXXX XXXX XXXX is nor have I ever been related to or associated with any with this name.

XXXX XXXX XXXX - This is an incorrect spelling of my last name.
Product: Credit reporting or other personal consumer reports

Exeter Finance has reported with all 3 credit agencies that the balance is Charged off as as reported a s Profit and Loss with the IRS XXXX XXXX. However I have not received my XXXX to report as income. This account is reporting inaccurately as it should not be reported at all. I am requesting the XXXX filed and this account removed from my report across all 3 agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX {$410.00} XXXXXXXX XXXX {$500.00} XXXX XXXX {$590.00} XXXX XXXX {$710.00} XXXX XXXX {$400.00} XXXX   XXXX {$500.00} XXXXXXXX XXXX XXXX   XXXX {$15000.00} XXXX {$15000.00}
Product: Credit card or prepaid card

My problem isn't listed in the questions prior. A customer paid for a landscaping service with her credit card through my online accounting software XXXX. Weeks after the install she did a chargeback and her American Express was able to go into my account and steal my money without notice. This was not her money but rather another client 's money. Her money had been withdrawn from this account when she paid her bill. This account is held by XXXX  and holds the money briefly between the time the credit card pays and the money hits my checking account. This is the innerworking of my online accounting. I don't have direct access to XXXX. 
Since the money disappearing from my account I have had little recourse. I sent documents through XXXX   showing her garden installed, her texts saying she was happy etc. But I have had no response and I have no recourse. How can American Express go directly into my bank account and steal my money? I'm a single mom of XXXX, struggling like everyone else during COVID and this has been devastating. I've also had to stop taking credit cards because I have no idea how to protect myself. I have reached out to the client repeatedly. Please help!! 
XXXX XXXX
Product: Checking or savings account

I have tried several communication with Citibank to add my spouse as co-signer or joint account holder but Citibank has failed to do the same. 

After multiple communications over the customer service phone call, I have been told that the application for adding my spouse has been rejected Considering, I live in the state of XXXX XXXX where Citibank branches do not exist the paperwork has to be sent through postal mails. 


My Citi priority checking - XXXX. 
Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX NC XXXX I would like to complaint about the bad services - > 3 months to come to the conclusion of the application No communication on the rejection of application Citibank has quality issues when it comes to providing customer services to the resident of the state where Citibank does not exist. 

If Citibank provides bad quality of service to the residents of the sate where they do not exist, they should not be allowed to operate in such states or put a disclaimer that they would discriminate their customer from customer experience perspective based on the geography they reside in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 
Hard inquiries may impact your credit score. 
XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please remove these inquiries from my credit report immediately. 
If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : Name and title of the person who pulled my credit. 
The date they purport that I gave permission. 
Methods they purport that I gave permission. Please include documentation of said permission. 
Thank you, XXXX XXXX
Product: Credit card or prepaid card

I used XXXX XXXX XXXX XXXX and gave XXXX my Costco/Citi Bank credit card number for monthly charges for the phone service. I discontinued my XXXX mobile service on XX/XX/2022 and began using the service of a different carrier. XXXX continued to charge my Costco Citi Bank card even though I had discontinued service with them. I notified Citi Bank several times. Citi Bank failed to resolve the dispute and continues to allow XXXX to charge my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, there are multiple unauthorized inquiries and derogatory/collection accounts reported to my credit. Here are the following ; as of XXXX there is a collection that is derogatory of {$0.00} reporting to my credit from XXXX XXXX XXXX XXXX Multiple attempts have been made for removal. As of XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX there is an unauthorized inquiry for a loan reporting to my credit XXXX XXXXXXXXfrom original creditor SBA. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan to my credit from XXXX XXXX XXXX original creditor is XXXX  XXXX. Multiple attempts have been made for removal. As XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX original creditor is XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX, there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXXXXXX original creditor is XXXX XXXX XXXXXXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX an unauthorized inquiry was made for an auto loan from XXXX XXXX XXXX original creditor is XXXX XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry made for an auto loan from XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXX  Multiple attempts have been made for removal.
Product: Checking or savings account

On XX/XX/XXXX I submitted a check of about XXXX into my checking account. I am a newer customer so was told they needed to verify the check which was standard. They called the issuer of the check as well as their bank and verified the funds. I was told by Citibank all would clear and the check was verified and I'd receive my funds within 3 - 5 business days. However, on XX/XX/XXXX I logged into mobile banking to see all funds frozen including my savings account and that my account was to be closed. I have called citibank nearly every day since then and visited over 6 branches and no one can give me an explanation or reason, and to simply wait for my account to close and wait 30 - 90 days to " potentially '' receive the check. The check has not bounced and the issuer does not have the funds anymore. Here is my case number with Citi executive response : XXXX.
Product: Mortgage

XX/XX/XXXX I was charged a {$25.00} fee. Logging onto the customer account portal did not indicate the type of fee. 
I called customer service in XXXX and was informed it was for a expeditated payoff fee. I never ordered such a fee or was contacted to approval any fee. Customer service apologized and I was told the fee would be removed. 
XX/XX/XXXX, the fee was still on my account. I contacted customer service again thru a chat session ( XXXX I.D . number is XXXX ). This chat session is available. This time I was told they could not removed the fee. I asked for any proof that I approved any authorization resulting in the fee and they could not. I was told they would submit for investigation and would be notified with a week. 
XX/XX/XXXX, still no communication concerning the status of the fee. Another call with Mr. Cooper. This call I was told it would not be removed. I asked again for any proof or authorization by me approving this fee and again they can not provide any proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 

XXXX XXXX XXXX Opened XX/XX/XXXX {$7100.00} Original creditor : XXXX XXXX PUBLIC RECORDS Reported on XX/XX/XXXX {$0.00} Overview Reference Number XXXX There is no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Mortgage

Yes, my name is   XXXX   XXXX  . I have written before about this issue with  USAA Federal Savings  Bank Mortgage  Services, Homeowners Insurance Services- in   particular   XXXX   XXXX   XXXX   XXXX    out of   XXXX  Alabama and   XXXX    , w hom  USAA uses to  service their mortgages. I am currently trying to sell my home as a direct result of very exceedingly shoddy service by all the above listed corporations. To the point. Yesterday I spoke with  XXXX   XXXX  of  USAA, who USAA assigned  to investigate these matters.   XXXX   XXXX   was unable to find any voice recordings of myself nor my realtor of   XXXX   XXXX   XXXX  , in  XXXX   Alabama- f or the last  30-days. This is odd as USAA reco rds every call!  Second,    XXXX   XXXX   claimed  USAA does no t provide any informal property appraisal 's. As I explained to   XXXX   XXXX  , why was this simply not originally told to my realator, instead of her being transferred  3-times, and  myself whne I was transferred everywhere but right department at  XXXX  - t his says nothing of  USAA agent I spo ke with simply not telling me this to begin with.   XXXX   XXXX   was also supposed to call my realator and explain this when we humg up and she did not.   XXXX   XXXX   also asked if, I wanted  USAA to re investig ate   XXXX   XXXX   XXXX   XXXX   out of  XXXX  Alabama, and I told her i f USAA was n ot smart enough to figure out on there own they needed to so then I was not going to tell them to do so! Furthermore, I have had issues, as I have told you before with the Probate Judge of  XXXX   County-     XXXX   XXXX   ,  who has ties to   XXXX   XXXX   XXXX   XXXX    out  of  XXXX  Alabama  . I al so told you I have had issue with City of  XXXX , and my  Property Owners Association-    XXXX   XXXX   XXXX   XXXX  . Additionally, I told you,  XXXX  numerous books these entities have various means of lowering residents property value. Therefore I am submitting attached file demonstrating this, as evidence. Sadly, I have been put though ringer by just about everybody since I bought this house last XX/XX/XXXX  - ergo why I  am selling, in large part.  XXXX , renowned authority severa l thousand people  a yer commit  XXXX  due to Homeowners Association/POA  XXXX . I will simply not be  one o f those unfortunate individuals. Any assistance you can provide in this matter would be appreciated.  <P/>  PS : As  I have told you repeatedly,  USAA is run by r etired senior military officers and there are well over  50,000 vete rans in my area- so odds that is some link here are in fact pretty great. But that is for others, such as your organization, to figure out not me.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, federally protected consumer, has placed numerous complaints with Equifax , Inc throughout the year via CFPB about the inaccurate reporting of non-public information. As a federally protected consumer, I have a right to privacy. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation. 
I would like to be clear my dispute is not about verification and/or ownership of the account. It is about the sharing of my non public, personal information to my consumer report. 
The Fair Credit Reporting Act states that it is illegal to have a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report ( FCRA Sec 603 ( d ) ( 2 ) ( a ) ( i ) ) Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Opt Out Confirmation ( s ) Passport Card ( Identification ) CAF Notice, Power Of Attorney, Fee Schedule
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXXXXXX and there are items on my TransUnion credit report that are the result of XXXX I can not log onto TransUnion website to properly identify all of the items because Transunion is blocking me from seeing the information that they're reporting on me. I have not been able to log onto TransUnion website in the last two years. I keep calling them with nothing resolved. I have had it escalated at least 5 times without anything being resolved. I can not upload my XXXX XXXX documentation on their website either because they are blocking me access.
Product: Credit card

I disputed a charge with XXXX and BOA never responded to my concerns despite repeated requests
Product: Checking or savings account

Hi my name is XXXX XXXX and i paid of my balance for wells fargo already cause i had a checking account with them before. I paid {$30.00} yestraday and the rest today. I was trying to open a new account but it was not letting me..
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a XXXX debt in XX/XX/2020 of {$470.00}. Before paying the debt I was told that the Collection would come off my credit report within 30 days of paying in full. Ive made complaints for a year and its still on my credit report. Every debt Ive paid Off has been removed but this XXXX. XXXX continues to lie and does not honor the agreement of what I was told. Please remove this from my credit
Product: Debt collection

Account was put on credit report, causing loss, financial hardship and denial of credit. pretending to be XXXX from government agency. re-aged debt. statue of limitations on debt
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the address information on my credit reports. As an active-duty service member, I have had to move frequently, and it is essential that my credit reports reflect only my current address to avoid any potential security issues. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c, credit reporting agencies are required to maintain accurate information. Additionally, 15 U.S. Code 1681b ( c ) stipulates that consumer reports should only contain current and accurate information. The Servicemembers Civil Relief Act ( SCRA ) also provides protections to ensure that military members ' credit reports accurately reflect their current status. 

Despite my efforts to update my address information, outdated addresses still appear on my credit reports. I kindly request that the CFPB assist in ensuring the credit bureaus : Remove all outdated addresses, retaining only my current address. 
Ensure my credit reports are accurate and current, in compliance with FCRA and SCRA requirements. 
Attached are copies of my credit reports and active-duty orders for verification. 

Thank you for your assistance in this matter.
Product: Debt collection

To Whom It May Concern : I, XXXX XXXX, am disputing an account that was added to my credit report. under the name of ; FOREST RECOVERY SERVICES. Account Number XXXX DATE opened XX/XX/XXXX. I am unfairly being penalized for a service I received in an emergency room, at XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. My insurance covered all my service. My balance when I was discharge at the hospital was {$0.00}. I am a XXXX low-income woman who is insured by NY XXXX and XXXX. I became aware of this account because I received an alert from my credit monitor. I immediately contacted the hospital and was told my balance was {$0.00}. I strongly believe this is an injustice towards me. I have the patient account statement documents to prove my service was covered by my insurance. At no time the doctor informed me I will be charged additionally. I had job offers and opportunities refused because of this negligence. The outcome of this wrongdoing has caused me emotional distress. Please help me seek justice.