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

I have never encountered a bank with this level of horrifying customer service. My debit card number is XXXX. There is a fraud block on my account and I am unable to use my debit card. When I call into the overseas crew of employees you have, I am told to verify my phone number. When I give them the only two phone numbers I have, they say it was unsuccessful and hang up the phone. I have called eight times. Right now I am not able to do anything at all with my checking account due to this bizarre situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute awhile ago in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Mortgage

This is a follow up to my previous complaint with regard to the settlement for homeowners who were unfairly denied loan modifications on their mortgage. I reached out to the Wells Fargo team in order to resolve this issue with a detail reason why I'm making my case. The bank supplied me with a copy of my signature accepting the deferment option, which i don't dispute its the fact that i explained to them in letter form that after repeated attempts to get a better resolution, out of frustration i just gave up.
Product: Checking or savings account

I was out trying to purchase some things and my card declined so I tried to sign into my account and make sure my card was on. That was when I realized my account was XXXX so I called Chime. The XXXX told me I could get back into my account if I provided my social and pictures of the front and back of my ID. I told him how I only have the temporary copy of my license until it arrives in the mail and he told me unless I got it I wouldnt be able to have access to my {$50.00} that was in the account.
Product: Debt collection

XXXX XXXX  removed these accounts from my credit on XX/XX/2016 for amt of {$380.00}, {$190.00}, {$250.00} and were never validated. They also have not sent me any notice as to reinserting this information onto my credit report which is required per If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. I have yet to receive anything. Furthermore, the company is NOT licensed in the state of TN or bonded per the state regulations in Tennessee. You have to be licensed and bonded to collect any funds on collection accounts, as well as these accounts are well over 7 years old!
Product: Mortgage

I am trying to add my loan number XXXX with property address XXXX XXXX XXXX XXXX NJ XXXX to my existing online profile. The online system is extremely buggy and there is a lot of error and I have called the company and emailed the company many times, but they could not resolve my problem.
Product: Credit reporting or other personal consumer reports

XXXX ) In XX/XX/XXXX I visited XXXX XXXX on a business trip. During that trip my identity and credit card information appears to have been used without my knowledge or participation. 
XXXX ) XXXX XXXX and XXXX XXXX XXXX were informed that my credit cards had been used without my authorization. Prior to this incident, there had been no prior instances of delinquency or fraud on any of my accounts. 
XXXX ) XXXX XXXX account number : XXXX XXXX ) XXXX XXXX XXXX account number : XXXX XXXX ) XXXX XXXX XXXX account number : XXXX XXXX ) I made several complaints about the fraudulent charges on my accounts and in my name, filed grievances, sought verification for the source of these charges, and asked the company and credit bureau to validate this debt. 
7 ) Currently, more than six years have passed since this incident occurred and my credit score and consumer report reflect a debt that is blatantly fraudulent, and nothing is being done to resolve the issue.

8 ) Under 26 USC 165, and 26 USC 6050P and IRS regulations 1.6050P-1 these actors admit that they took a deduction for Loss Income while having never issued a 1099 ( c ), which is legally mandated.

9 ) These entries on my credit report have a direct correlation to several lost employment opportunities, denials of funding for business projects past and currently active, and reputational harm that can not be easily calculated into a dollar amount. 
10 ) I have sent numerous certified mail letters and neither TransUnion, XXXX, or XXXX have conducted a validation of debt despite my asking several times, and having documentary proof that I am not involved responsible for the debt. 
11 ) The debt is scheduled to be removed in XX/XX/XXXX, however, I am unable to have a security clearance issued, which affects job prospects and income, as a result of their inaction. 
12 ) The Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), makes it illegal to report inaccurate consumer information, and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires that inaccurate information be removed immediately upon notice following an investigation. As this is an issue of identity theft, which began with international travel and personally identifiable information being compromised, under Section 605B ( 15 U.S.C. 1681c-2 ), this Information must be blocked within 4 business days and the credit reporting agency must cease reporting the information.

My personal life, and professional aspirations, are being curtailed due to a lack of compliance by the parties named above. This avenue is my only realistic means of having the appropriate agency intervene to end this flagrant violation of Federal and States laws for protection of consumer reporting.
Product: Credit card or prepaid card

- XX/XX/XXXX, We purchased items in XXXX. We found the charge receipt was blank. We expected a charge of approximately {$200.00}. 
- XX/XX/XXXX, XXXX statement showed a charge of {$3500.00}. We opened a dispute with Citi Costco card via their website. In our dispute letter, we explained that the XXXX dirham was incorrect and could not have been more than XXXX and supplied a list of items purchased. This letter was transmitted via the Citi website. 
- XX/XX/XXXX, after periodically checking the Citi website for a response or progress on the dispute, we found an update from Citi explaining that the dispute had been resolved in the merchants favor due to us not responding to Citi 's request for information on the transaction.

- We made several calls to Citi 's billing dispute department for an explanation. We were told that an email had been sent to us on XX/XX/XXXX requesting information on the disputed transaction. I informed Citi that we did not receive any email and asked why they did not post the request to the website. Citi personnel had no answer. Citi personnel could not tell us if they had our original dispute documentation letter in hand or whether  the XX/XX/XXXX email was asking for additional information. Citi personnel told us there was nothing more they could do as they were required to follow Visa rules.

- Two calls made to Visa customer support suggested that Visa had only guidelines. Any rules were set by the bank and the bank was free to reopen the dispute. 
- We pulled down emails from old, unused email accounts and did find an email from Citi dated XX/XX/XXXX of XXXX. However, it was in an encrypted PDF form and was only good for 72 hours. We could not read it. Citi personnel could not tell us more about the letter.

- Calls back to Citi personnel with the information from Visa were rejected. We were told they were just following Visa rules and could not reopen the dispute. When we asked who we could  contact at Citi with a letter, we were given an address that was that of Costco. 
- By now, we are into XX/XX/XXXX. It took some time, but Costco 's local store administration had a regional Citi card employee  contact us. He did have the XX/XX/XXXX letter in the file, but it did not matter. He said there was nothing he could do. He could not explain why Citi did not post the letter to the website.

- We feel Citi acted inappropriately by communicating with us on the dispute both initially and in closing via their website, but altered the communication mid-stream with an email. This is an email that was not received and could not be read when told of its existence.
Product: Debt collection

I switched banks and forgot to let this company : American Collect know which I take fault for. The payment did not go through and then my representative XXXX who is assigned to my case called my home, called my cell, and then called my job on Friday XX/XX/XXXX from XXXX. I work a XXXX-XXXX shift Monday through Friday. She called my job and my Office Manager politely told her to not call her again. I called Rep XXXX after my work shift- apologize to her and let her aware that I could pay something on the XX/XX/XXXX. Today is XX/XX/2019 and she calls my cell, and then calls my job. I answered and repeatedly told her to not call my job. She talks over me and says I need to confirm my identity to make sure she makes notes of this. I verify who I am and then she continues on talking as if I just told her that I am working and can not talk. I could lose my job because of her!!! I told her to not call my job and hanged up the phone. I am not going to pay anything until I get another representative on my case. I do understand that this situation was initially was my fault- but she should abide by the laws of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXDTENDED FRAUD ALERTS Transunion # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXXXXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting

In XX/XX/XXXX I discovered a judgement on my Experian credit report listed with with the line item reference # XXXX. I never received any mail or communications about the underlying matter. Upon further inquiry I found that the California Franchise Tax Board ( CA FTB ) was the Data Furnisher regarding this item. 
Upon speaking with a CA FTB representative I was told that their records were missing my XXXX tax filing records. My Federal and State returns were both filed however I supplied CA FTB with the information that was claimed to be missing from their records. 
I was told that the processing timeline was a minimum of 6 months. After months of waiting the resubmitted filing was processed and the findings of the data furnisher were disclosed to me. The California Franchise Tax Board found that I did not owe any taxes and as such did not have any tax liability. On the contrary the CA FTB actually owed me and sent payment of {$510.00} to me reflecting the same. 

The {$2800.00} tax lien that was put on my credit report was found to be incorrect upon the conclusion of this matter. I am attaching a copy of the refund check issued XXXX/XXXX/XXXX by the State of California Treasurer upon conclusion of this matter, as well as a printout of my total tax liability and refund for the XXXX tax year from the CA FTB website, relevant to item # XXXX listed as an erroneous judgement on my credit report. 
Upon processing of the facts the data furnisher concluded that I did not owe and that they actually owed me. This conclusion means that the tax lien put on my account ( which was an assupmtion that was proven wrong ) should not be shown as released on my credit report as that implies that I previously owed the CA FTB and later satisfied payment. On the contrary, the tax lien should be deleted from my credit report as the CA FTB concluded that I did not have any tax liability for XXXX so the lien was null and void and the data furnisher turned out to actually owe me. 
The erroneous information listed on my Experian credit report states that I previously owed {$2800.00} in taxes which is not true because the taxes owed was discovered to be {$0.00}. This unfair reporting must be deleted and permanently removed from my credit profile. 
For some reason Experian has refused to update this item and I have had received unwarranted scrutiny from underwriters because of their ability to see a judgement that I did not owe. Please help as I continue to be denied favorable credit decisions personally and for business due to this violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX is not responding after the 60 day mark to erroneously and obsolete information that is reporting on my credit report. Please update these account and or remove these items that are being reported on my credit report. I have proof and the letters that were mailed back in XXXX and still no response. This is affecting me and my family to be able to apply for assistance jobs etc during this pandemic. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has repeatedly refused my request for an annual credit report through XXXX  and also the experian.com website directly, with me having gone as far as set ting up a direct account with them only to be denied access to the account as well. Have made several attempts to contact them via phone to five separate numbers to no avail, the repeated result of all of my calls has been to get disconnected or hung up on. No apparent method of contacting a person with my concerns is available. I've spent approximately six hours over three days attempting to rectify the situation without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please see that these accounts are removed from my credit file ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX has ERRONEOUSLY reported late payments for the months of : XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 & XX/XX/XXXX. I have contacted XXXX and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by XXXX  XXXX XXXX
Product: Mortgage

On XX/XX/2022 a check of {$17000.00} was sent to the lawyer of a person we are trying to buy a house as agreed. 
While waiting for the loan to be process, my cosigner back off the buying of the house after she released the price was higher done we were told that exceeded our budget. I informed both my lawyer, the loan processor and the relator, they all understood my explanation and the processor agreed to send me a denial letter. Its be almost 2 months none of this them has return my call or txt. 
I received a txt message from my lawyer with a letter from the sellers lawyer informing me I have forfeited my {$17000.00}. 

I called the lawyer he did not pick up my call, the realtor told me there is nothing he can do. I call and txt the loan processor, he also didn't respond to me. 
I txt my lawyer again about my option and he has still not respond to me.
Product: Mortgage

Lakeview Loan Servicing did not pay my taxes for XX/XX/XXXXuntil XX/XX/XXXX. On XX/XX/XXXX I requested to have my escrow account deleted. I received a denial letter stating there was a negative balance of {$540.00} therefore the escrow could not be closed. On XX/XX/XXXX I paid the negative balance in full ( conf # XXXX XXXX. At that time I was told the account would be closed in 3-5 business days. Today XX/XX/XXXXI was on hold for over one hour and was told the escrow account is still not closed. Asked to speak with supervisor and she didn't have any answers either. She stated that department was in a different building and could not be reached by phone, only email. She said she would escalate this situation but could not give me a time frame or a direct number for her to follow up with.
Product: Prepaid card

My name is XXXX XXXX I am a victim of identity theft and reported this to Bank of America, despite me sending documents confirming me to be a victim of identity theft Bank of America still has not reimbursed me for fraudulent and unauthorized charges. I have three open claims with fraudulent and unauthorized charges and those claims should be accepted and I shall be reimbursed immediately. This has caused a financial hardship for me and my family
Product: Student loan

I have received billings from multiple servicers. Not one has been able to provide with me a history of payments made on the loan since I took it out or provided me any information as to how the balance has increased so much. Additionally, being billed by XXXX different servicers at the same time I also had XXXX different amounts owing. 
I have asked repeatedly for loan documents and payment history to try to determine the true balance owing, but have not received anything. Additionally, I have tried to settle the matter and set up some plan to resolve this, but am getting no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Factual data XXXX Has cost me loans rates not being able to rent this is ridiculous Remove the fcra violation ftc inquires like 30 of them
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( BlockInc ) due to unfair customer service practices and inadequate customer service which violates the Consumer Financial Protection Act. Cash app failed to take timely and effective steps to prevent and address fraud on their platform. Which lead to my account being unprotected and vulnerable. The dispute process was unfair and deceptive as they did not comply with error resolution requirements under the EFTA and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I, hereby declare under penalty of perjury that I am the victim of identity theft. In XXXX, 2023, I discovered that someone had obtained my personal information without my authorization and used it to apply for credit, resulting in the following inquiries on my credit report : I did not initiate or authorize these credit inquiries, and I believe they are the result of fraudulent activity committed by the identity thief. I am submitting this identity theft affidavit to request that the credit reporting agencies remove these inquiries from my credit report, as they are not a true reflection of my credit history. 

Additionally, I am disputing negative marks regarding open credit accounts that were reported on my credit report by XXXX, XXXX, and Equifax. I believe that this information should not have been included on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). 

As you are aware, this provision excludes from the definition of a consumer report any report that contains information solely as to transactions or experiences between the consumer and the person making the report. In my case, the negative mark that was reported relates solely to a transaction or experience between me and the creditor, and therefore should not have been included on my credit report. 

With the exception of XXXX XXXX XXXX, which should be deleted in its entirety due to identity theft, I also want to bring to your attention that the balances being reported on the other open credit card accounts are in fact, XXXX ( {$0.00} ) and should be marked Paid As Agreed, and are under dispute under the Truth in Lending Act ( TILA ), specifically under 15 U.S. Code 1640 ( a ) ( 1 ) and 12 C.F.R. 1026.38. 

Under these provisions, I have the right to dispute any billing errors or unauthorized charges that XXXX have been applied to my account and those accounts should accurately reflect my true account status until the disputes are settled, to the satisfaction of the consumer. I have already initiated the dispute process with the creditor, and have provided all relevant documentation to support my claim. 

Given the facts presented above, I am requesting that you remove the negative mark from my credit report as soon as possible. As the negative mark was included in error, I trust that you will take prompt action to correct this mistake and ensure that it does not happen again in the future.
Product: Debt collection

The current collection agency constantly sends me letters and doesn't own the debt and therefore has no authority to hound me with calls and letters on this debt. 

I don't owe them any money.
Product: Credit reporting or other personal consumer reports

My consumer report contains accounts linked to identity theft, which I never authorized in writing or with a wet signature. I recently contacted your organization about this issue and am now formally requesting the immediate blocking and removal of these accounts from my report. Their presence has caused me significant emotional and financial distress, as they misrepresent my credit history and responsibilities. If this matter is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items have impeded my ability to achieve important financial goals, such as purchasing a home and meeting my family 's needs.
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 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.