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

They put a fraudulent item on my credit report that does not belong to me.
Product: Checking or savings account

In response to a splash invitation when I was online with citi.com, on XX/XX/XXXX, I opened a Citi XXXX XXXX. However, because of an erroneous fraud suspicion on their part, Citi closed my account after a few days, and froze over {$91000.00} that I had on deposit, and sent me a lame letter ( dated XX/XX/XXXX ) with very little information about why this action was taken and when I would get my money back. When I tried several times calling Citi customer service lines ( including the number listed on the letter ), I was given patronizing evasive answers with only the information that a check would be sent to me within 30 to 60 days. When I elevated the complaint to a supervisor, the supervisor told me a different department was handling the matter, and gave me the same number to call that I had already tried. 

On XX/XX/XXXX, I filed a complaint with CFPB ( XXXX ). Citi responded with an email on XX/XX/XXXX. Because Citi responded, CFPB closed the complaint. But Citi 's email did not refund my $ XXXX nor resolve the issue. Instead, in order to consider expediting my claim, Citi requested more info from me ( statements from the source fund banks from which I had transferred the funds for my new Citi account ). I emailed Citi the requested scans of my funding accounts on XX/XX/XXXX, and received a confirmation from Citi that the scans were received. 

Instead of expediting my claim, Citi used my cooperation as an excuse to reset their response timetable, because when I called after a few weeks to request an update on my case, the representative reported that Citi was now reviewing the scans I had emailed, and would respond within 30 to 60 days. 

According to the original letter received from Citi dated XX/XX/XXXX, my funds were promised to be returned to me within 30 to 60 days. But I still have not received the refund. 

In summary, Citi baited me to open a new account, promising an opening bonus ( XX/XX/XXXX ). But, for no reason, Citi closed the account, citing their right to close my account for no reason ( XX/XX/XXXX ). If my funds had been returned immediately, I would not have complained, as I need the money for a house purchase in process. 
But Citi froze my funds, promising to mail a refund check in 30 to 60 days, but refusing to answer my legitimate questions and demand for an immediate refund. Only after my complaint to CFPB ( XX/XX/XXXX ), did Citi give some response, but rather than giving me a refund, Citi just demanded more documentation from me ( XXXX ), which I provided ( XX/XX/XXXX ). But now, after I inquired about an update from Citi on XX/XX/XXXX and XX/XX/XXXX, Citi is just continuing to further temporalize.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry listed on my credit report. The inquiry is unauthorized and not associated with any application or credit request made by me.
Product: Credit card or prepaid card

On XX/XX/2020, I provided a {$2500.00} credit card deposit to a merchant, XXXX XXXX, for the construction of a patio. Work was scheduled to begin on XX/XX/2020. This work was not completed, the merchant stopped communicating with me, and I found reviews on XXXX  web site and other review sites detailing how the company took a downpayment, then never completed the work. 

On XX/XX/2020, having done my due diligence to obtain a resolution with the merchant, I disputed the charge with the credit card company. 

On XX/XX/2020, I received a phone call from the merchant, where I requested a refund of the downpayment and was told that it would not be provided. I reported the merchant to the PA State Attorney General 's office. 

The merchant 's response to the State Attorney general was that work was not completed. I have documentation to support that statement. 

The merchant 's response to the credit card company was that work HAD been completed and the merchant wasn't sure why I was requesting a refund. The credit card company requested information from me that would refute the merchant 's claims. 

After providing the credit card company with documentation to show that the merchant 's response to MasterCard was false, the investigators determined that the merchant was " working with me '' to complete the work and denied my request for a credit. I disputed this result and later received a notification that if I could provide proof that the merchant was providing me with a credit, the case could be re-opened.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( XXXX ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance. In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. I have 222 companies who have violated my rights that XXXX has reported on my credit report. 1 hard inquiry by XXXX XXXX XXXX XXXX XX/XX/XXXX i did not consent nor authorize XXXX or this company to run my credit or use my social security number. I would like to be reimbursed {$1000.00} per violation. XXXX and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report. 
These are the fraud accounts below and I also have attached my Identity Theft Report that list these accounts, addresses and Inquiries as well. 

Fraud Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraud Account : XXXX XXXX XXXX XXXX is reporting {$31000.00} and an open date of XXXX, Experian is reporting {$31000.00} and an open date of XX/XX/XXXX XXXX is reporting {$32000.00} and and open date of XX/XX/XXXX this is an error on XXXX for inaccurate reporting please delete this account from each credit bureau . XXXX is also not reporting any late payments Experian say there is only 4 late 90 day late payments for XXXX and XXXX is stating there is 24 90 day late payments XXXX XXXX XXXX XXXX is reporting a balance of {$390.00}, and an open date of XX/XX/XXXX. Experian has a reporting balance of {$390.00} and an open date of XX/XX/XXXX XXXX is reporting a balance of {$390.00} and open date of XX/XX/XXXX Please delete and block these accounts with reporting errors and late payments asap, as well as pay me for the inaccurate reporting on my credit report which is a breach in my privacy delete or pay me {$1000.00} from each credit bureau
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution.

Company Name : XXXX XXXX XXXX - Account # : XXXX - Balance : {$5500.00} Company Name : XXXX XXXX Account # : XXXX - Balance : {$0.00} Company Name : XXXX XXXX - Account # : XXXX - Balance : {$0.00} Company Name : XXXX XXXX XXXX XXXX  XXXX Account # : XXXX - Balance : {$490.00} Company Name : XXXX XXXX XXXX XXXX  - Account # : XXXX - Balance : {$2900.00}
Product: Credit card or prepaid card

on XXXX XXXX the XXXX i spoke to an supervisor XXXX and she finally agreed and apologized that oh you are right we never mailed you these three cards ending XXXX XXXX and XXXX i told her no one would even admit that i had XXXX and saw it on statement. i ask her to open my other 4 accounts and she refused saying i could only have one account open at a time. i said could you send that in writing. she said no.
Product: Credit reporting

I had identity theft. It was over XXXX worth on XXXX cards. From the target data breech. I am in my seventys and always had a perfect credit score. Over XXXX. Well. The creditor which was XXXX XXXX and XXXX XXXX both agreed it was fraud. Along with all three credit beuras. ( Agreed it was fraud ). Well they dropped them off my credit report. So now my credit report shows perfect credit. Not my score. It is XXXX. I 'm trying to purchase a home. I ca n't with this score. The fraud was 100 % not my fault. So they need to change my score back to at least high XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024, I received a letter from a former employer stating that My personal information had been breeched by a third party within their employee data files. I then contacted the XXXX credit bureaus online to freeze my credit reports. I had no problem with XXXX and XXXX ; however, Equifax advised that the information they had did not match the identification information I provided online. They said they would send me a verification number via postal mail. It took so long that I decided to submit my request in writing vial postal mail. I sent my request for a credit freeze and a copy of my current credit information. When I finally received feedback, via postal mail, I was told the information I submitted, my social security number, date of birth, and copies of identification as listed on the letter. After waiting for a response for several weeks, I got a letter stating my request was unclear and illegible and copies needed to be enlarged. I resubmitted, an enlarged copy of my social security card and my electric bill with both my residential address and my post office box address, along with my second request for credit freeze and copy of current credit report. Today, XX/XX/year> I have received the exact same letter asking for the same information a third time, no progress at all.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX using the domain XXXXXXXX which involved me making deposits for a total amount of XXXX XXXX from my Robinhood account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX These are fraudulent inquiries that I cant get these companies or the credit bureau to remove.
Product: Checking or savings account

Hello, I had unauthorized charges on my checking account and reported them to the bank. 

The charges were made as XXXX XXXX. I don't even have a XXXX XXXX account and the description also doesn't have my information. 

I called the Bank and claimed the unauthorized charges but they denied the claim. 

Claim number # XXXX filed on XX/XX/2021 for {$6200.00}. 
Claim number # XXXX filed on XX/XX/2021 for {$4000.00}. 

I feel I'm being unfairly treated here. 

I request the company to fix the issue and resolve this as we are going through difficult times.
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 : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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: Credit card or prepaid card

I was in XXXX XXXX XXXX XXXX XXXX 2019, with my granddaughter and attempted to pay for a taxi with my credit card from Barclay. The driver could not get the charge to go through and I ultimately paid him with cash as I did for all subsequent cab rides during that trip. Those rides averaged $ 15- {$20.00} each, paid in cash. The credit card company charged me {$180.00} for a single cab expenditure. Barclay asked me to provide them a receipt, which I did not get since I paid cash. Barclay can not provide a signature from me for this charge, since there was no transaction. Barclay has now denied my dispute and I have again appealed to them but have heard nothing and the charge is still on my statement.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion are reporting several inaccuracies with the reporting of address and information from several accounts. First under the consumer protection act 15 USC 1681 e ( b ) Accuracy of Report 15 USC 1681i ( 5 ) Treatment of inaccurate or Unverifiable Information. All of the information should be deleted. I have one address that I want only one address on record which is XXXX XXXX XXXX XXXX, TX XXXX I do not wish to have any telephone numbers on my report. 
Please remove all the addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA since they are inaccurate. 

XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX are fictious at best and are not on a map in the world XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX is not my address and I want it removed I have asked several times about all of these inaccuracies to be removed. I have review my credit report across all of the platforms and most of the information is falsely reported and should be removed late payments, amounts owned and dates opened, charged off and open accounts.
Product: Credit reporting or other personal consumer reports

I RECENTLY SENT LETTERS TO ALL XXXX CREDIT BUREAUS ABOUT MY INFORMATION BREACHED. AND THE INQUIRIES ARE NOT MINE AND THEY STATED THEY VERIFIED THE INFORMATION AND THERE IS NO WAY THEY DID. However the credit bureaus said they completed the investigation and everything was 100 % accurate. After I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the agencies did not make sure the reporting was 100 % correct. 

UIn accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character. general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency was obtained directly from a creditor of the consumer or from the consumer.

did they complete their investigation with proof? It seems I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I had purchased a new XXXX truck and financed with XXXX XXXX XXXX. In XX/XX/XXXX I lost my job and was unable to make the payments. I voluntarily turned the truck back into XXXX. The balance after the sale was {$9700.00}. I was unable to pay the balance. XXXX hired a law firm and was awarded a judgement against me. My credit report shows the account closed and charged off. XXXX continued to add late pay on my credit every month because of the balance. On XX/XX/XXXX I called XXXX to question why the monthly remarks continued since all credit reports the account was closed. XXXX advised their records indicate the account is open. 
How can the account remain open since a judgement has been awarded against me. How can all the credit bureaus report the account closed. 
Im confused how the judgement wouldnt close the account. The monthly fail to pay has been placed on my credit report for 15 months
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. On XX/XX/2020, XXXX reached a settlement of {>= $1,000,000} to provide relief to consumers because they provided loans to consumers who were not qualified. The settlement also states that XXXX will request that the defaulted loan be removed from the consumers credit report. I Have contacted Santander and I qualify for this removal from my credit report as I fit the criteria because my account was charged off within a year of receiving it. Please remove the derogatory account immediately as its been affecting my credit for years
Product: Checking or savings account

My account was placed in restricted on XX/XX/year> and when I called they said it was because my last deposit from my job not in my name even though that doesnt make sense. I called multiple times on this and completed their verification process only to be told on the phone their investigation team is still looking into it and there is no timeframe. I cant access my money and they wont even help or give me a timeframe.
Product: Debt collection

I lost my home and filed for bankruptcy between XXXX. I know which credit cards I have since being bankrupt. XXXX, XXXX, target and midland credit are none of them.
Product: Credit card

Aspire Credit Card sent me an invitation in the mail to apply which l did, then received email asking me to send a recent pay stub, copy if social security card and recent utility bill which l did, then on XXXX XXXXXXXX XXXX  l receive an email telling me l was denied because of Credit Bureau Mismatch l have never received a response like this, they must have entered some wrong information on there part l monitor my credit files with XXXX XXXX, XXXX, and XXXX and there are no issues what so ever, so the documents l provide especially my social security card with my number there is NO MISMATCH as they state. I want they provide a full explanation. I called there customer service number as well as spoke to a supervisor that was a waste of time, as it was like talking to a recording. I seek your help. Thank You.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Mortgage

My mortgage was originally a XXXX -- it was sold to a Mortgage Servicer Gregory Funding last XXXX of XXXX. 
During this time the Mortgage was under a Forbearance due to COVID. 
In XXXX of XXXX I sent in a Modification Request -- after a series of back and forth where they asked for additional information ( which I supplied ) As of Today ( XX/XX/XXXX ) they have not responded with any answer on this Modification Request. 
What are my rights? 

Thanks so much for your assistance! XXXX XXXX Mortgage Information : Gregory Funding
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy- showed inaccurate, fraudulent information and accounts, I've attached the two individuals that are under investigation because they used my information, This can be proved further if you do a public records scan on my social security number. I realize that you may get these complaints often but I have verifiable proof and names of individuals that are using my information. I didn't want to get caught up in credit repair scams so it took me years of research to get here. Below you'll see the information that was affected by the theft. 

-bankruptcy XXXX {$0.00} -XXXX XXXX XXXX XXXX {$58000.00} -XXXX XXXX XXXX XXXX {$43000.00} -XXXX XXXX XXXX {$44000.00} -XXXX XXXX XXXX {$0.00} -XXXX XXXX XXXX XXXX {$11000.00} -XXXX XXXX XXXX XXXX {$0.00} fraudulent inq XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Experience has wrong balance with XXXX XXXX has yet to mail out a credit report with wrong information
Product: Bank account or service

I am XXXX, a fraudulent charge for over {$2700.00} was made to my account and not made by me. I disputed this with Capital One 360 and I received a notice they were deducting the funds from my account on XX/XX/2017. They took the funds on XX/XX/2017 even though I have submitted an affidavit that the funds were not authprized
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the below account numbers has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX FACT 15 U.S.C 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

Name : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX