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

On XX/XX/year>, XXXX withdrew XXXX payments in the amount of {$95.00} ( total of {$470.00} ) from my bank account that is through Chime. I closed the card, contacted chime to file the dispute for unauthorized transactions. They denied the dispute on XX/XX/XXXX XXXX so I contacted XXXX to dispute with them. they stated they sent a refund for the transactions ( all XXXX ) back to my account ( all info correct ) on XX/XX/year> at XXXX. I contacted chime again, and they said that XXXX did not. XXXX sent a receipt of the date and time they send the funds back, and chime is still denying my claim and refused to give the funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to obtain a copy of my consumer REPORT AND CONSUMER FILE from XXXX and equifax via annual credit report but I was given error messages every time I attempted to get the files. This is my third month attempting to get these reports without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made numerous attempts to reach out to Experian regarding the inaccurate information it continues to report to my credit file. Experian special handling doesn't answer the phone nor does it return voice mails. I've left at lest 5 different messages and received not one call back. I've submitted a police report and a fraud FTC report to support my ID theft claim. 

The following accounts need to be deleted due to ID THEFT. 

1. XXXX XXXX XXXX ACCT # XXXX 2.XXXX  XXXX XXXX  ACCT # XXXX 3. XXXX XXXX XXXX  ACCT # XXXX 4.XXXX XXXX ACCT # XXXX 5. US BKPT CT XXXX  CA CASE # XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) 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 CORRECT or DELETE 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 accounts listed below I wanted to confirm my thoughts and contacted the banks 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 these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX stated they do not have a credit file for me. All information reported should be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a fraudulent account that has appeared on my Experian credit report. The account in question is as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Inclusion : XX/XX/2021 Outstanding Balance : {$69.00} I would like to emphasize that I am a victim of identity theft, and I have never engaged in any business or financial transactions with XXXX XXXX. The appearance of this account on my credit report has caused considerable distress and concern for my financial well-being. I strongly believe that this account is fraudulent and should be removed immediately. 

While I understand the importance of regularly monitoring my credit report, circumstances beyond my control prevented me from checking my report since XX/XX/2021. During this period, I was dealing with a serious medical condition that required extended hospitalization and subsequent recovery. Due to the medical treatments and resulting incapacitation, I was unable to tend to my financial affairs diligently, including monitoring my credit report. It was only recently, upon my regained health, that I discovered the existence of this fraudulent account. 

As a victim of identity theft, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines. According to the FCRA, I have the right to dispute any inaccurate or fraudulent information on my credit report. I request that you promptly investigate the authenticity of the XXXX XXXX account and provide me with a detailed explanation of its origin and any supporting documentation that led to its inclusion on my credit report. 

I kindly request that the Consumer Financial Protection Bureau act swiftly to rectify this matter by contacting Experian and ensuring the immediate removal of the fraudulent account from my credit report. This fraudulent account is tarnishing my credit history and has the potential to impact my financial opportunities negatively. I trust that you will uphold your commitment to protecting consumer rights and take the necessary steps to address this matter urgently. 

I have attached supporting documents, including a copy of my identification, to verify my identity and demonstrate that I am indeed the victim of identity theft. Additionally, please find enclosed the Identity Theft Report I filed with the Federal Trade Commission for your reference. 

I would appreciate your prompt attention to this matter and a written response detailing the actions taken to rectify the fraudulent account within the statutory timeframe of 30 days. I firmly believe that the removal of this account is vital to safeguarding my financial standing and restoring my creditworthiness. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution to restore the integrity of my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I have contacted Experian, XXXX and XXXX I have also sent in the proper documents they have yet to contact me or fix anything this is impacting my credit score and keeping me from getting things done. 

I recently did an investigation on my credit report and found several items on there to be in accurate. Recently, I did an investigation on my credit report and found several items there to be inaccurate. 

Under the 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chagreoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$450.00} Late/Open
Product: Credit card or prepaid card

I was researching promotional balance transfer credit cards. Citibank was one of the ones that seemed to have the best offer. After putting in all of my personal information I saw nothing at all about any fees - this is why I chose this bank. 

After running my credit, I get an approval and then it shows a balance transfer fee which seemed extremely high. I immediately called and spoke to a representative and she transferred me to another representative. I explained my frustration and how this was misleading and she told me that there was no balance transfer fee in the promotional period. I asked again to confirm and she said there was no fee. Potentially there may have been a language barrier but she clearly said no fee. 

I then get the card a few days later and transfer my balances. When I get my bill, I see that there are fees and that they were not credited. I called back into Citibank and talked to a representative and she says her manager will listen to the calls and call me back. I receive no call whatsoever. 

I call in again and speak to someone and they say the calls were searched but they didn't find any conversations about fees. The only calls I had were about fees!! I feel like I've been lied to once again. 

He offers to credit me back the fees if I transfer my balances to another card. That was insulting. Also it's simply setting me up for another XXXX. 

Citibank has given me the worst experience. Terrible customer service. Blatant XXXX and very sneaky and misleading advertising that discloses nothing about fees. They know that consumers don't want to continually get their credit pulled, so they don't disclose this information until after they've checked your credit. Then after that, they have representatives that can give you wrong information and as a consumer that does not have the easy ability to record their own calls, you are out of luck. 

Citibank has been sneaky and I truly can not trust them with my accounts. I regret getting myself into this situation.
Product: Credit reporting or other personal consumer reports

I am reaching out again to notify you that I am a victim of fraudulent activity and to dispute certain items in my file resulting from this crime. The items in question do not relate to any transactions for goods, services, or money that I have made or authorized. Please remove the following items that resulted from identity theft : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} -- -- -- XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}. These items are unknown to me. Additionally, information provided on some accounts has been deleted from other bureaus, raising doubts about their accuracy. The reported payment history on some accounts is also a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ), you have the authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. 

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN XXXX BUSINESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B
Product: Credit reporting or other personal consumer reports

My information with XXXX has been breached and attached is proof. I have requested that this information be deleted but they have refused to remove the following accounts XXXX XXXX Opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX states in the previous investigation that they contacted XXXX on these accounts and verified they were correctly reporting. I requested that they inform me as to the method they used to verify the information and I was not given anything. I asked that they provide the contracts with my written signature showing I took out these alleged debts and still nothing. This has been tremendous detriment to myself and my livelihood and I am not getting the assistance I am guaranteed by the Fair Credit Reporting Act and 15 usc 1681s-2. Please have thee items removed from my credit report
Product: Credit reporting or other personal consumer reports

Please see the attached XXXX  complaint and remove the following account from my credit report due to the alleged debt being past the statute of limitations. I will find it necessary to take legal action against Experian if this account is not deleted within 7 days XXXX XXXX. Experian is the only credit reporting agency reporting this inaccurate information. This debt has been uncollectible since 2021, so why is there a balance on a closed account? Furthermore, this is year XXXX, so this account is due to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw an inquiry on my credit report from Equifax consumer affairs that was done without my consent. when you contact them they give you the run around.
Product: Mortgage

We have tried numerous times to acquire assistance from SPS and they continue to inform us theres no options that can assist us. Before we became this far behind, their letter indicated we can contact our loan representative to discuss deferment. We contacted our representative and discussed and submitted all the documents requested. Within 30 days the response was due to the account is past due four months we are unable to defer past due payment. However, when we initiated contacted with our loan representative we were only three payments behind. The SPS letter stated three payments or less can be deferred. We need emergency assistance since they have turned our account over for legal action. Our account was with XXXX and they sold it to SPS latter part of XXXX which they are a collection company without notifying us. We didnt fall behind on our mortgage until XXXX and that was due to a list of one income. We prayers is to keep our home. Thank you for your assistance. 

Sincerely,
Product: Credit card

From XX/XX/XXXX to XX/XX/XXXX several charges were made to my XXXX ( through XXXX ) credit card totaling {$33000.00}. I received a Fraud Alert text from XXXX on XX/XX/XXXX in regard to a charge from SP ARCHIVE. I never clink links, but went into my XXXX account and saw 10 fraudulent charges from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
I immediately contacted XXXX, they shut the card down, listed the charges as disputed and asked several questions so they could investigate the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit card was closed XX/XX/XXXX and there was a delinquent remark on XX/XX/XXXX from both TransUnion and XXXX.
Product: Student loan

The lender told me back in XXXX or XX/XX/XXXX I wouldn't have to start my payments until XXXX of XXXX but the adding interest rates on my student loans
Product: Credit reporting, credit repair services, or other personal consumer reports

received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. XXXX  account # XXXX Late payment reported 30day late Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX Barclays offered to help with payments by decreasing the interest rate & I would pay a set amount. I setup automated payments on their website which was fine. Credit report shows payments being 30 days late when I do not believe they were. In XX/XX/XXXX I continued to make payments in accordance with their terms although in XX/XX/XXXX they reported I made no payment when in fact they debited my checking account. I believe this little posting error led up to me not meeting the conditions set forth & allowed them to get out of this contract to pay up my balance at a lower interest rate but not have any revolving credit. I tried in XX/XX/XXXX to make a catch-up payment but they had already selected my account for collections but I had not yet been contacted by the collection agency. This company has made thousands of dollars from me in interest charges but yet did not offer me any loyalty to eventually pay off my debt. It was easier for them to write me off. In the final days of my account they show me as up to 180 late yet I was still on their reduced payment plan. My credit was hurt from this.
Product: Credit card

My wife received a XXXXXXXX XXXX notification in XX/XX/XXXX that our Bank Of America credit card account had been " closed by consumer ''. Knowing she nor I had requested the account to be closed, I called BOA on XX/XX/XXXX to see what was going on. The lady I spoke with said it was closed due to inactivity and that I was sent emails saying the account would close if not used. The emails were never read on my end since the best way to get important information to me is by phone or letter via US mail. I can't even find the emails in my inbox unless I do a specific search for them. 

The credit card account was opened in XXXX to help establish credit and to be used for any large unexpected expense. Since it was closed, our credit scores have taken a huge hit and now we don't have our emergency account. BOA says the account can not be re-opened. That was said on the phone XX/XX/XXXX during my initial call as well as via XXXX " chat '' on XX/XX/XXXX. The only solution offered was to apply for and open a new account. 

The practice of closing a long tenured credit card account that is in good standing without the customer 's consent is unfair and deceptive and causes negative financial impact on the customer that will make it harder and more expensive to borrow money in the future. 

I want to file this formal complaint in the hopes that BOA does the right thing and re-opens the account. At that point, I would be willing to use the account as our primary credit card so this does not happen again. 

Thank you, XXXX XXXX XXXX