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

Hello, On XX/XX/XXXX I opened a checking account with US Bank after seeing on their website advertisement that if I set up a direct deposit and paperless statements, and the direct deposit within 60 days is over {$5000.00}, I will receive {$400.00} bonus within 60 days. I met the {$5000.00} direct deposits threshold on XX/XX/XXXX, which is day XXXX after opening the account. Still counting 60 days after opening the account and another 60 days in which the bonus should be received, the due date was XX/XX/XXXX. 
I called US Bank on XX/XX/XXXX twice and spoke with two representatives providing all that info. I was told that they are forwarding my request to a specific department and I should be contacted by XX/XX/XXXX. I was not. 
I called again US Bank on XX/XX/XXXX and explained all of the above. I was told by the representative that there are no notes on my account. So neither of the two representatives from XX/XX/XXXX put note or escalated the issue to the appropriate department as I was told. That third representative assured me that he will forward my issue to the appropriate department and he will CC his supervisor to see why nothing was noted/done by the first two representatives, and that I will be contacted within 48 hours. 
I called again US Bank on XX/XX/XXXX and explained again all of the above and asked about the status because I was again not contacted as promised. The representative put me on hold and after a while i was told that they are still researching it. But when I asked for confirmation that there are notes on my account and what is the due date until I should wait, the representative asked me to provide information about the issue without confirming that there are notes on my account put at least after my third call on XX/XX/XXXX. 
In essence, each time ( four times now ) I called, the representative would tell me that they need to forward my issue to a specific department, but they would not do so. Neither would they put any notes about my inquiry and the issue on my account. 

Please help. The bonus offer is again on their website with the same terms as it was in XX/XX/XXXX when I opened the account. ( see : https : //www.usbank.comXXXX? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I can provide account information and call logs upon request. 

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

I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XX/XX/XXXX and they are refusing to remove these fraudulent account as well as XX/XX/XXXX and I am not able to gain access toXX/XX/XXXX so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contactingXX/XX/XXXXI was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.
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. 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. 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. Equifax, XXXX and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

To whom it may concern, On XX/XX/2024 I submitted a dispute to XXXX due to payment history errors/discreptencies. My credit report shows inaccurate dates of my vehicle reposession. Under the Fair Credit Reporting Act I am wanting a removal of account due to inaccurate information. The dispute came back as " accurate '' ( was not resolved ) and the lender has failed to remove the account even after investigation. 

In addition to the discreptencies, I contacted my XXXX ( XXXX ) and requested a receipt of refund/payout to either myself or the lender due to loss. Unfortunately XXXX XXXX has failed to provide me with the requested information and has no records. My vehicle was a loss and I never received a letter by my GAP insurance of any payment to myself or the lender? 

This unfortunate circumstance has negatively impacted my credit drastically and would appreciate some assistance with this investigation for accurate information. I am attaching a screenshot of the discreptencies from the lender. 

Thank you for your time with helping me with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out regarding predatory practices on behalf of the company XXXX XXXX that seek to damage my credit. With the exemption of XXXX in which account XXXX XXXX # XXXX is removed, this said account has been charged off and closed. Additionally, XXXX and Experian report this account as closed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The lender ( XXXX XXXX ) is attempting to ILLEGALLY re-age a closed, charged off account. According to the FCRA, the beginning, first date of delinquency can not be changed once an account is charged off. Once a charged off account reaches 7 years, then the credit bureaus must purge the account from your credit history. XXXX XXXX has ILLEGALLY re-opened the account in an attempt to reset the 7 year clock. It is illegal for a creditor to change the purge from date on a negative account by reopening the account so that it remains on the consumer credit report. 

In light of the lack ethical practices on behalf of XXXX XXXX, incorrect payment history, incorrect account status, I am requesting that this account is REMOVED from my credit reports immediately. I have disputed this account several times and both XXXX and Experian have failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. The lender is attempting to illegally re-age the account. Consumers have the right to be protected from unfair credit practices ; hence I am requesting reparations by the account being removed. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. Thank you again for your time. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA segment XXXX, you are required to destroy all records captured on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$3600.00} XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I recently sold {$9000.00} of bitcoin via blockchain.com. When I went to withdraw it, they said that XXXX transfers were temporarily unavailable, forcing me to use a more expensive ( {$25.00} ) wire transfer option. The reason they gave was instability due to the recent XXXX XXXX XXXX collapse XXXX This is nonsense, however : there is no reason XXXX would be harder for them to use because of this, as neither I nor they bank with one of the affected institutions. 

In order for them to wire me money, they required me to first send them a wire from my account, so I did that on Friday. I confirmed with my bank that they received the wire Monday morning, but they claimed they had not received it until that night. 

When I sought to withdraw money today via wire, the website once again told me to first wire money to them before I could access my funds. I have talked with several different support agents about this issue, and none has given me any assurance that I will ever be able to get my money, or told me what I need to do to access it. They say the matter has been " elevated '' but it's not clear what that means. They have explicitly said they have no estimate as to when this problem might be resolved. 

There is a clear pattern here of denying access to funds, when the terms of service promise that I can initiate a transfer to a bank account at any time. All I want is my money that they are holding. I would appreciate CFPB 's assistance in this matter.
Product: Other financial service

I used a couple of times the world wallet services from Citibank but the last two times it has not being timely. Citibank claims that if you place the order before XXXX XXXX you get the foreign currency deliver the next day. Well, that is not true! I ordered some XXXX XXXX on Thursday XX/XX/XXXX and as of Monday XX/XX/XXXX at XXXX XXXX I have been able to obtain them. I went to the receiving branch in XXXX, XXXX on Friday XX/XX/XXXX around XXXX XXXX EST and the teller helping me, XXXX XXXX, mentioned that Corporate services told her that my name was too common and they had to do additional checks ( which I do not understand as I am a customer and they confirmed my identity through some questions ). She suggested to cancel the order and re-order so that I can changed the receiving branch as I was not going to be able to visit the XXXX branch the following week. So I did. She mentioned that even though the order was being placed after XXXX XX/XX/XXXX I was going to be able to receive my order on Monday XX/XX/XXXX after XXXX PM. Today I went to the new receiving branch at XXXX XXXX and they said that they had not received anything and that they will most probably receive it tomorrow as the order was placed on Friday after XXXX PM. At this point I am not quite sure if I will get the XXXX XXXX tomorrow and I will be traveling for business purposes on Wednesday. Last time I ordered I took Citibank two days to provide the currency. Their marketing does not seems to be real. I am very frustrated as I have been wasting time going to the branches and going through solutions that do not seem to work yet. They mentioned to call before going to the branch but in the XXXX branches I had to visit I called but they never answered. Citibank does not seem to care about customer service at least based on my experiences with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent several letters to bureau and companies itself through cfpb and no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXXXXXX Balance : {$300.00} ; XXXX XXXXXXXX Balance : {$520.00} ; XXXX XXXXXXXX Balance : {$5600.00} ; XXXX XXXXXXXX Balance : {$180.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I received mail stating that I owed two Capital One credit card bills. I did not open any credit card accounts with Capital One. I did not request to open a credit card account. I was shocked when I got the statements because I do know why or how they would even approve me for a credit card. They both show that they were opened the same time XX/2015. I have written to them letting them know that this must have been an Identity theft. The only charge was cash withdrawal. I asked them to pull the documents so they could check the signature. I asked them to pull the video from the cash withdraw to proved that I did not open the accounts. I did not withdrawn any funds from these accounts. One shows a balance of {$520.00} the other shows a balance of {$470.00}.
Product: Debt collection

On XX/XX/XXXX we received a XXXX XX/XX/XXXX XXXX we received a collection letter from Amsher for {$2000.00} we filed a dispute as the amount was incorrect. The amount was looked at by t mobile and they removed the balance that was disputable and updated the amount to XXXX however Amsher never sent a letter or called about the updated amount, therefore we could not pay it since we didn't know the actual amount that had to be paid, instead this was placed on the credit report ( this is how we found out we owed {$1300.00} instead of {$2000.00} ) and this all could have been avoided had we received a phone call or a letter with the updated amount, and the amount that was credited. We paid the updated amount today without even knowing what was credited and if the amount was correct. We would like the amount placed on our credit report removed as we never had an intention of not paying, we just needed the amount to be updated to the correct amount. Please advise. In the collections letter there is a line item that states " if you write to us by XX/XX/XXXX. We must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. " We filed the dispute yet the updated amount was never provided to us in order to pay. We would like the item removed from the credit report as it has now been paid. 
In addition the telecommunications manager XXXX XXXX XXXX was very rude did not let me explain the situation and did not hear my concerns about not receiving the updated amount, he spoke over me on the phone and accused us of not paying our debts. I asked him to transfer me to another employee in order to pay due to his hostile customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

TRANSUNION XXXX : XXXX XXXX Balance {$47000.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance {$580.00} Inquiries : XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX Balance {$47000.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXXg debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX  Account Number : XXXX Balance : {$56000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$5700.00}
Product: Credit card

I 've been getting collection calls from JCPenney about a car that I do not own. I 've never had a JCPenney card. I do not do business with them
Product: Student loan

I attended University XXXX at XXXX for two years and needed to take out private student loans to be able to afford school. My private student loans are through Navient, formerly known as XXXX XXXX. XXXX 2015 they withdrew XXXX dollars from my bank account without notifying me of my change in repayment terms. They had overdrawn my bank account weeks before XXXX. When I called to ask them to please refund the money to my bank account so I was n't charged an overdraft few they said it would be impossible for me to get the money back for up to three weeks and that if they cancelled the payment I would have to pay them immediately another amount even without the money being refunded to me.
Product: Credit card

I have Unauthorized inquiries on my credit report that I did not authorize and would like them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Report Check your credit report for signs of theft, fraud, or error. 
FREEDOM MORTGAGE 30 Days Late Real Estate {$17000.00} Status XXXX XXXXXX/XX/XXXX Days Late {$200.00} This company has been committing fraud against me. It began with a disagreement about charging {$15.00} when my bank was bought out by another and the auto payment did not go through. 

There are several twists and turns in the story, but XXXX account manager said they were holding a check I sent ... which was to quickly bring the account to date... it did not contain the {$15.00}. They did not cash it ... all the while struggling to get the autopay restored ( spent an hour with someone and unsuccessful ) .... so much nonsense... real malice on the part of an individual who deserves to be fired and sued for what he/she did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was living in an apartment at XXXX XXXX and was forced to find a new place to live because of an overgrowth of mold. XXXX XXXX would not treat or remove the mold and it was affecting my health. XXXX XXXX reported a collection account on my credit report, so I hired an attorney and proceeded with litigation in XXXX of XXXX, resulting in a financial settlement of {$2500.00} from XXXX XXXX to myself. In addition, it was ordered to remove any collection account notifications from my credit report. It is now XXXX and the collection accounts are still reporting on my credit report. I sent disputes to XXXX, XXXX and TransUnion and included copies of my records from the settlement, including the owner and manager 's signatures. Since those disputes were submitted, instead of removing the accounts from my report ( as court ordered ), on XX/XX/XXXX the accounts have been updated from an 'open ' status to a 'closed ' status. 
In addition, TransUnion is now reporting the account TWICE with completely different balances. I have already gone through court for this account, I have sent the results of the settlement to XXXX, XXXX and TransUnion. They are court ordered to remove the accounts, but now they are damaging my credit even more? It has caused me to be denied by mortgage lenders and is preventing me from obtaining further credit, Ireally do not understand how or why they are not only refusing to abide by the lawsuit settlement, but now they are making it worse. It almost seems like it's intentional? I did not have any issue in pursuing litigation with XXXX XXXX after they began to damage my credit, I will not hesitate to pursue litigation with TransUnion, XXXX, XXXX and the collection company XXXX XXXX XXXX. The only thing the bureaus have to do is verify the information I sent them, now they are damaging my credit more?
Product: Mortgage

Residential Credit Solutions Inc who was recently put under Consent Order by the CFPB continues its abusive debt collection activities illegally foreclosing on my property.
Product: Credit reporting or other personal consumer reports

I was offered a role at XXXX XXXX, and they used Equifax XXXX XXXX to verify my employment. However, the information Equifax had on file was inaccurate, and as a result I was unable to accept the position. Unfortunately, there is no way for me to update my employment information with the credit bureaus, so I am unsure how to resolve this issue. Equifax XXXX XXXX is not an accurate resource for employment verification.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to EQUIFAX. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.