23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Checking or savings account

XXXX Was charged a total of {$170.00} in bank overdraft charges over the last week. I am struggling financially due to COVID-19 issues and issues with unemployment and am unable to make bill payments because of these bank charges. I am already charged a $ XXXX  monthly fee. 

Company refused to reverse charges. Is there anything you can do to help?
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 Human Trafficking debt bondage, which falls under trafficking according to Trafficking-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 human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : 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 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 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 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Account My identity was stolen in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and twice XX/XX/XXXX I sent over police reports and court order, no response. 
When I call to verify they explain someone will call back. 
Also I received a letter to garnish. When I called to check status I was told they will call me back.
Product: Credit card

I always paid my Citi Card online and opted out of paper statements. About three weeks ago my online payment option was NOT available to me. It said " service not available '' when I clicked Payment option. I got a late fee XX/XX/XXXX and was due for another late fee in XX/XX/XXXX. I called CITI CARD at XXXX. I asked them to get rid of my late fee. They told me they had NO idea why my payment option did n't work. They refused. I said cancel the card. They bumped me to a manager. She also did n't waive my fee or assist me. Said I would have to call tech support. I said cancel my card and pass me to tech support. She was rude and cancelled my account. After she cancelled I refreshed my browser and all of a SUDDEN MY PAYMENT OPTION WORKED. I paid off my balance and the payment went through. I was SCAMMED by CITI CARD. It was a XXXX. I had the account for 7 years. I was scammed by CITI.
Product: Credit reporting or other personal consumer reports

We were the victims of credit card fraud. Were instructed to access the 3 credit monitoring agencies to be sure our reports were all correct and to be sure our credit is frozen at each agency and place a fraud alert on each account. This was done without problem on XXXX. Some difficulty with XXXX but was accomplished and credit report was printed out. 
Attempted to access my Equifax account ( XX/XX/year> approximately XXXX XXXX  pacific time ). and upon trying to login was sent to a screen that said, " Please give us a call, we can not complete your request at this time ''. I called the posted number and entered all the requested identifiers. Was on hold for 45 minutes to be connected to a representative. The representative was extremely difficult to understand due to heavy foreign accent. She asked if I was using XXXX as my browser to sign. Informed her I was using XXXX XXXX. She requested that I attempt to sign in via XXXX, if possible, which I did and was taken to the same page requesting to call. She then asked if she could place me on a brief hold so she could work on " unlocking '' my account. She came back after several minutes and stated she did not know why but was unable to unlock my account and stated I needed to send them copy of my social security card and some other document that I was not able to understand. I explained that in today 's environment of mail theft and already being a subject of fraud and identity theft, I would not do that. I requested to speak with a supervisor. Was placed on hold again while she said she needed to find an available supervisor. While on hold, I was sent to the survey that was stated at the beginning of the call that would come on at the end of the call if you were willing to complete the survey and stay on the line otherwise you could hang up and end of the call. I was then cut off. On the phone for nearly 1 hour without my issue ever being addressed and no resolution. Not able to access my account and not able to get the information I need to address my recent credit card fraud and identity theft issues. Also very difficult to understand the representative on the phone making the call even more difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX-XXXX XXXX I've sent 4 separate letters to each credit bureau Experian, XXXX, and XXXX  asking that they provide me proof of an account on my credit report. Since they have not provided me proof. I've asked them to remove the account. As of the time of this writing they have not removed the adverse account. 
It was my understanding that under SECTION 609 of the Fair Credit Reporting Act, that the credit reporting agencies are suppose to provide me a copy of the original contract that I signed and as the credit reporting agency they are supposed to have. I mean, if they are verifying the account as being valid/correct then they, by law, are supposed to have a copy of that contract to do so.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXXXXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : $ XXXX XXXX XXXX  XXXX Balance Owed : {$890.00} XXXX XXXX XXXX bankruptcy XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not allow me to view my Dispute information now that its finished. I type in my personal information, go through a verification process and they state that they can not verify me. Its me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I got an alert from XXXX that my credit score had dropped. Upon investigation, I found that XXXX had indicated I had opened an account and owed {$220.00} and they sold this to XXXX XXXX XXXX. I called XXXX who said they could not access the account as it was no longer theirs and that it had a close date of XX/XX/XXXX. On XX/XX/XXXX, I then outlined in a letter to XXXX XXXX XXXX, XXXX XXXX, and my lawyer that I never had an account with XXXX. 
I did intend to switch to XXXX on XX/XX/XXXX but after visiting their store in XXXX, FL and the employee finding that my current phone numbers could not be ported, I decided not to change to XXXX. I found that XXXX still charged my credit card and on XX/XX/XXXX I returned to the store where I made sure that I did not have an open account and was credited what I had been charged. I believe this " open account '' : was an act of fraud, probably by the employee who waited on me ( XXXX, sales rep XXXX ) who most likely got a commission fore every account he opened. Regardless of how the fraud occurred, I never had a XXXX account and I refuse to be charged any amount for this account I never had.
Product: Credit reporting or other personal consumer reports

I submitted my fraud affidavit last month and i noticed that XXXX had deleted the accounts that were considered fraud however it seems that XXXX XXXX and XXXX  have been ignoring my concerns
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX Has violated my rights. 

I looked at my XXXX and TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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 reporting or other personal consumer reports

I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Disputed Information : account #, last verified, date opened, closed date, last payment and credit limit. Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit card

I am writing to formally request the removal of an unauthorized inquiry from my XXXX credit report. This inquiry was conducted without my consent, and I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( a ) ( 2 ). 

Details of the Unauthorized Inquiry : Company Name : Navy Federal Credit Union Date of Inquiry : XX/XX/year> Credit Reporting Agency : XXXX XXXX XXXX for the Request : Under 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report if it is " in accordance with the written instructions of the consumer to whom it relates. '' I have not provided any written instructions or consent for [ Name of the Company ] to conduct a credit inquiry on my XXXX report. This unauthorized inquiry is a clear violation of my rights under the FCRA. 

Additionally, 15 U.S.C. 1681c ( a ) ( 1 ) states that inaccurate or unverifiable information must be removed from a consumer report. As the inquiry was neither authorized by me nor conducted for a legitimate purpose, it qualifies as erroneous information and should be removed immediately. 

Impact of the Unauthorized Inquiry : The presence of this unauthorized inquiry has negatively impacted my credit score and overall creditworthiness. It reflects inaccurate and misleading information on my credit report, which can hinder my ability to secure credit and other financial services. 

Requested Action : I am requesting that the CFPB investigate this unauthorized inquiry and ensure its prompt removal from my XXXX credit report. This action will help to correct the inaccuracy on my report and prevent any further adverse effects on my financial standing.
Product: Credit card or prepaid card

This is for the American Express XXXX XXXX XXXX, until XX/XX/2020, they have sending me a statement with due date specified but starting from XXXX they only saying that " please pay by " XX/XX/XXXX '' which is 10days earlier than a due date I had ever since the account has opened. 

I called twice to customer service and they said they just doing this to remind the cardholder and nothing to do with any other reasons. 

In this result lot of people will get freak out, unless calling the customer service then they will say your due date is still the same but this due date is not stated on statement anywhere, meaning I can not see what is AMX 's intention to doing this and I am not quite sure this is legal or lawful. 

This will result in stress to a few cardholders and maybe and XXXX send payments 10 days early, so millions of dollars pre-collected from their member, they can take financial advantage. 

Please look into this, I have statements to proves what I state this complaint and attached. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

Convergent Outsourcing sent me a letter saying that I owe to XXXX XXXX dollars. Thats not true. 
I already spoke with XXXX and they told me that I do not owe any money and they do NOT work with that agency. 
This means that Convergent Stole not only stole my SS number but is also claiming money in behalf of comcast when is not true. 
I saw on my XXXX report that Convergent had made XXXX inquires on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 4 months I have been asking Experian and XXXX to verify accounts that were placed on my credit along with names and invalid SSN number s however they only update the accounts without sending me proof of how the accounts were verified. When I spoke with Experian on the phone they refused to listen to me and stated that I can no longer dispute the accounts because they were verified but when asked how they become agitated. On XXXX XXXX, I contacted XXXX and the supervisor of the fraud department became argumentative and hung up in my face. According to the FRCA if the accounts can not be verified they have to removed and this process has been going on for 4 months. Thanks, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the vehicle was charged off in 2021 Ford has continuously reported inaccurate information to the three major credit bureaus resulting in me denied from creditors including for a home purchase. I have requested in writing and over the phone for the three major bureaus to verify this information is correct though they have failed numerous amounts of times to do so. According to FCRA all information should be reporting timely and 100 completely accurate and FORD has failed to do so and this account should be deleted from my credit profile. I have attached pictures to accompany the inaccuracies on my report.

1. They are reporting different dates for the status across all three credit burears. The account has been closed since last year there is no reason different information should be reporting. This is proof that all information is not reporting 100 % accurate and should be deleted.

2. Payment history is still being reported when the account is closed and charged off 3. Payment history is inaccurate they have reported late payment during times I was granted extension and or made payments. This information is not correct and the account should be deleted from my credit.
Product: Checking or savings account

Complainant : XXXX XXXX XXXX XXXX : Citibank Account Number ( Last XXXX Digits ) : XXXX Issue Summary : Citibank has unjustly blocked the funds in my account for over thirty ( 30 ) days, refused to provide me with copies of deposited checks, provide a detailed accounting or explanation for the closure and ultimately closed the account without releasing the balance of funds to me. As a result of these actions, I have suffered financial losses, missed investment opportunities, and experienced significant personal and financial hardship. 

Detailed Description of the Issue : 1. Fund Blocking & Prolonged Restriction : Citibank has placed an indefinite hold on my account, preventing me from accessing my deposited funds ( {$5100.00} as of the last known balance ).

This restriction has lasted for more than 30 days, which is unreasonable and has caused me financial and personal distress.

2. Refusal to Provide Deposit Records : I requested copies of the deposited checks that contributed to my account balance.

Citibank has refused to provide these records, impeding my ability to verify transactions and seek recourse.

3. Unjustified Account Closure & Withholding of Funds : Without providing a clear explanation, Citibank closed my account. 
Despite multiple attempts to recover my remaining balance, the bank has not provided the funds nor communicated any valid reason for withholding them. 
4. Financial Loss & Hardship : Due to the prolonged restriction, I lost out on multiple cryptocurrency investment opportunities, which would have yielded significant returns. The restriction prevented me from accessing my funds at critical market moments.

Additionally, I have been unable to take care of personal, family, and household financial obligations, leading to unnecessary stress and hardship.

Citibanks actions have not only caused financial damage but have also disrupted my daily life and well-being. 

Applicable Concerns & Potential Violations : Violation of Account Holder Rights : Under banking regulations, consumers are entitled to access their deposited funds within a reasonable timeframe unless there is a valid legal reason for restriction. 
Lack of Transparency & Unfair Business Practices : The banks failure to provide transaction records or communicate a legitimate reason for withholding funds violates consumer protection principles. 
Potential Violations of Regulation CC ( Expedited Funds Availability Act ) : If deposited checks have cleared but the bank continues to withhold the funds, it may be a violation of federal banking laws.

Financial Harm & Unjust Business Practices : Citibanks prolonged restriction of funds directly resulted in lost investment opportunities and inability to meet essential living expenses. 


Supporting Evidence : Attached screenshots of Citibank account balance notifications. 
Attached image of Citibank-issued debit card linked to the affected account.