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

My checking account is with Investors Bank, now a division of Citizens Bank as explained on their website. 

Planning to close my account, I reduced my bank account balance to {$0.00} in order to close it. Until that point I had maintained a {$1000.00} balance in the account in order to avoid a {$10.00} service fee. I attempted to reach customer service to close my account and for over a week was unable to connect with a customer service representative. When I finally reached a customer service representative, after the new month had arrived, I saw that my account had been charged the {$10.00} fee for having a low balance. It thus had a negative balance ( {$10.00} ). I was instructed to " zero '' the account ( i.e., add money to it ) in order to close it. 

The obvious difficulty here is that I will never be able to zero the account if I can not reach a service representative and am charged a service fee that brings my balance below XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$780.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these 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 XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont believe that this account is correct, but it's being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize this debt.
Product: Checking or savings account

I have opened wellsfargo everyday checking account online with  XXXX  $ sign up bonus on  XXXX / XXXX / 2017 . Received the approval email on same day with disclosure to qualify for the  XXXX  $ credit.     I have received Direct deposit of  XXXX  $ on  XXXX / XXXX / 2017  and received  XXXX  more on  XXXX / XXXX / 2017 . i have satisified the conditions on  XXXX / XXXX /   2017  and i was supposed to recieve my  XXXX  $ bonus on or before  XXXX / XXXX / 2017 , but i have not received the bonus amount. i contacted wellsfargo on  XXXX / XXXX /   2017  and i was told that the bonus is not at all available in their site and i was not qualified. i have attached my welcome email to resolve this issue Terms to qualify is : Within 60 days of account opening, either make  XXXX  purchases/payments with yo ur Wells Fargo Debit Card or establish a qualifying Direct Deposit of an accumulated {$500.00} or more to the consumer checking a ccount opened for this bonus offer.     The  XXXX  debit card purchases/payments must be from the primary linked consumer checking account opened for this offer. Transactions at an ATM do not count as a debit card purchase/payment.   A qualifyi ng Direct Deposit is y our salary, pension, Social Security, or other regular recurring monthly income, electronically deposited to your consumer checking account by your employer or an outside agency. Transfers fro m one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the three credit bureaus, XXXX XXXX  and TransUnion. I sent my disputes certified mail. None of this companies has responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent accounts which do not belong to me STILL reposting on my file in XXXX. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? Moreover, I talked to the bank and they agreed to delete these accounts from my file. But Transunion has has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) and they're unwilling to explain why. I want these accounts deleted from my file ASAP : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter to EQUIFAX informing them that there were a number of fraudulent inquiries that appeared on my credit report that needed to be removed. I informed them I had been a victim of identity theft and attached a FTC identity theft report and police report along with my statement, and proof of my identity. By law, they are suppose to remove or block this information from my credit report. I received a letter from EQUIFAX dated XX/XX/2021 refusing to block the fraudulent information from my credit report, which is a direct violation of law. The following inquiries that appear on my EQUIFAX credit report are fraudulent : JXXXX 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

I came across two inquiries and a open loan account i do not recognize. And was use without my knowledge
Product: Debt collection

Kia Motor Finance officially changed to Hyundai capital has damaged my credit for two years, once I voluntarily surrendered my vehicle due to my partners terminal illness and the company not willing to work with me. I voluntarily surrendered the vehicle ( vin # XXXX ) XXXX Kia XXXX back on XXXX KMF continued to charge me until XXXX of XXXX they held the vehicle at their facilities from XXXX XXXX until they auctioned the vehicle, they have contacted me numerous times even filing against my credit and attempted to collect via debt collector only to finally dismiss the claim and remove it from my credit as of XXXX. KMF has been bought out by Hyundai Capital and Hyundai capital has been the one prolonging the rectification of this issue.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX ( the Scammer/Merchant/Fraudster ), which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX  account to JPMorgan Chase Bank at the instructions of the scammers.
Product: Debt collection

I don't know who Genesis company is, or why this debt has appeared on my file. I had no debt after moving from XXXX and I do not know what debt this company is trying to collect on. This company has not notified me or contacted me regarding this debt or given me a chance to dispute it's validity, before putting a collection ( which is a negative mark that lowered my fico score ) on my file. 

There had been carpet damage that the renters insurance that I had, was willing to pay for and they contacted XXXX at XXXX XXXX to discuss it ( I also have email thread ) XXXX told them theres was nothing to bill for. XXXX told me that since they were renovating the unit and putting in hardwood floors, that nothing is due. Now, they are going back on that. So with that said, they need to deal with the insurance company however, I don't see how a building could charge for carpet when they've installed hardwood floors, so that's something to look in to by the insurance company. 

XXXX also received monies from the Housing Authority for any arrears before I moved out when my lease was up. I was not made aware of any monies owed at the time of my move out. Furthermore, XXXX XXXX XXXX had a Security deposit from me which to date, has never been returned. 

UDR which is the billing company for XXXX had been trying to bill me for something that insurance was trying to pay. Initially, XXXX said nothing was owed. The insurance company even contact them and was told this. I have proof in the form of email communication thread. I'd like to be able to include this in support of my complaint. My last correspondence was asking them to let me know any TRUE amount due after they worked out whatever they needed to with the insurance company and no onee ever got back to me. 
It is my belief that they were trying to charge me for carpet never installed but didnt want to have to prove that ti the insurance company. It is my belief that they are making false charges and this company named Genesis is trying to collect on those false charges on their behalf. The reason why I believe that these are false charges is because : 1. The property management XXXX told me that there would be no carpet charges because they were renovating the unit to hardwood floors 2. When the insurance person called to try and settle any charges, there was no outcome 3. They are trying to collect from me rather than the insurance company. 
4. They are doing bogus billing which is why they are trying to collect from me, rather than the insurance company, for something that the insurance stated that they would cover however, the building renovated to hardwood floors, no carpet and they are trying to charge me for carpet never installed. Had this been a true claim, they could have submitted for payment with the insurance company.
Product: Credit card

On XX/XX/XXXX my American Express card was charged in the amount of {$2800.00}. I contacted American Express and informed them this was not my purchase. They issued a credit to my account. I also contacted the company XXXX. about the charge. They sent me an E-Mail on XX/XX/XXXX, stating that my account with them has been closed since XX/XX/XXXX. And my American Express has never been attached to that account. Nor do they see any activity to my Closed account. I received an E-Mail from American Express on XX/XX/XXXX they Debit my card back in the amount of {$2800.00} because they said I gave XXXX my American Express Card information. XXXX already said this was NOT true. The reason for this DEBIT is MUTE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Never pay late, and they show a late payment on 30 days in XXXX in XX/XX/2022, in XXXX in XX/XX/2022, in XXXX in XX/XX/2022. I have the evidence I send it. And the sell and closed the account is a violation to report late payment in a closed account.
Product: Credit card or prepaid card

BEING A VICTIM OF AN IDENTITY THEFT, I HAVE TRIED NUMEROUS TIMES TO REACH OUT TO DISCOVER AND ALSO TO THE CREDIT REPORTING BUREAUS, AND MY REQUESTS ARE BEING IGNORED TIME AFTER TIME. WHAT ELSE I CAN DO TO PROVE THAT I AM VICITM THAT THE CARD AND THE CHARGES ARE FRAUDULENT AND NOT MINE. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT. I NEVER USED THIS CARD AND NEVER REQUESTED THIS CARD. I NEED THE DISCOVER CARD TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. XXXX  AND XXXX  NEEDS TO BE REMOVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep disputing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer report but it'll reappear the next business day. What the XXXX is wrong is Equifax XXXX XXXX XXXX or company to where I have to keep re-disputing the same inaccurate information off my consumer report. I so, close to suing they XXXX for violating the FCRA because no inaccurate information is supposed to reappear on the consumer report. Including they're reporting inaccurate in the first place. Attached is the confirmation for number of disputes for the same item & its more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVE A CALL FROM A COLLECTION CO STATING ABOUT A DEBT I OWED ON A TV SERVICE. I HAVE NEVER APPLIED FOR TV SERVICE, IQUICKLY OPENED AN ACCOUNT WITH XXXX  XXXX TO REVIEW MY CREDIT REPORT. I FOUND STUDENT LOANS AND OTHER FRAUDULEDNT ACCOUNTS I HAVE NEVER OPEND OR GAVE ANYONE CONSENT TO OPEN PLEASE DELETE THESE ITEMS FROM MY ACCOUNT
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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

I am trying to remove wrong address information from my Experian Report, but some address Experian wont remove. Some address was attached to bank count witch I don't longer use. 
I was getting harassed by the people who live at the address that is provided on my credit report! I need to remove it so people from that address will stop receiving mail with my name and phone number!!!
Product: Credit card or prepaid card

I bought appliances from XXXX on XXXX  months same as cash. The Bank who services their accounts is Synchrony Bank. A few months went by with no problems. Then in XX/XX/22 and XX/XX/22 I received a text that they had not received my payment. XXXX had sent them the payments electronically. They had me go to the bank and obtain documentation that they had sent the check. I submitted the required documentation. They accepted the documentation from XX/XX/22, but not XX/XX/22. They placed a comment on my credit report and then removed it. I produced additional information and they sent me a letter that they had reversed the decision and accepted the documentation. Everything seem to be going well until I saw they added the 2 payments to my statement, but deducted 3 more payments. So they were stealing {$670.00} from me. I called and one man tried to tell me he did the math and the balance was correct. After I told him the math was wrong he then transferred me to a supervisor. She explained they add the payment provisionally then decided to take it back. She couldn't answer to why that happened or what to do about it. She told me to call the CEO. She said she could start another payment dispute case to which I agreed. I am willing to pay off the balance and get them out of my hair. I am unwilling to pay the additional money they are trying to add that I already sent them.
Product: Credit reporting or other personal consumer reports

My wife and I are currently in the process of searching for a new home. On Friday, XX/XX/24 our mortgage loan officer pulled our credit to start a new loan application. Since that time, my phone has been bombarded with over 100 calls and text messages from lenders asking for business. On Tuesday, XX/XX/24 my dad reached out to me that he had been contacted by a lender searching for our business. He had received a text message to his personal cell phone that was a report ( prepared for me ) that included my name and credit score as well as several potential refinance offers if I was to choose that company. I reached out to my loan officer and he confirmed that the number on this report was my credit score from TransUnion. I did reach out to the person listed on that report to ask why my information had been disclosed without my consent to my father. The individual I spoke to was very rude and dismissive, stating that he only used the information that his company had purchased directly from the credit bureau. In speaking with TransUnion, the representative was unhelpful in determining why my father 's cell phone number would be linked with my report, but did offer to delete any other phone numbers. A freeze was placed on my credit report, and she also placed a fraud alert on my account.
Product: Credit card or prepaid card

I opened a XXXX XXXX  XXXX on XXXX XXXX with a credit limit of {$5000.00}. On XXXX XXXX my credit line was decreased to {$3900.00}. My credit score took a huge hit. On XXXX XXXX my credit line was again decreased to {$3200.00}. My credit score will again suffer immensely. Each time these decreases have happened I was approaching a substantial benchmark. I have a payment history of 100 %. I always pay more than the minimum as well. When I contacted the company I was told they were within their legal rights, and I needed to wait four months before asking for an increase. I explained how catastrophic this impact was. It just didnt matter to customer service. FNBO is a predatory company. The reviews are much the same online as I write today. Horrible experience. Bad operators.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this actually an account that belongs to me. I have not received any requested documents. 

AVA FINANCE INC Account # XXXX AVA FINANCE INC Account # XXXX
Product: Debt collection

This debt was sent to a collection agency before I could get it paid, I paid the Bill 's and I was informed that the collection agency would delete from my credit report. As of XX/XX/20 it has not been deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Violation of FCRA XXXX ( Willful Noncompliance ) Dear Sir/Madam, I am writing to formally dispute the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, regarding your failure to properly address my dispute within the required time frame and in compliance with the provisions of the FCRA. 

The details of the disputed item ( XXXX ) are as follows : Collections Late payments XXXX I submitted a dispute and despite the XXXX investigation period required under FCRA, XXXX have not received a resolution or response, violating my rights under FCRA XXXX XXXX. '' ] Under FCRA XXXX XXXX, I am entitled to seek redress if your failure to comply with the FCRA was willful, causing me harm or injury. I am requesting that you investigate the dispute once again in full compliance with the FCRA, or I may consider pursuing further legal action for any damages I may have incurred as a result of your failure to properly investigate Thank you for your attention to this matter. I expect a prompt resolution in line with the law. 

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

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX- Fradulant XXXX  XXXX- Fradulant XXXX XXXX XXXX Fradulant XXXX XXXX XXXX XXXX Fradulant XXXX XXXX Fradulant XXXX XXXX-Fradulant XXXX  XXXX XXXX  XXXX Fradulant XXXX  XXXX XXXX Fradulant XXXX  XXXX Fradulant XXXX XXXX XXXX- Fradulant XXXX XXXX Fradulant XXXX XXXX XXXX Fradulant
Product: Mortgage

I was under the forbearance program, then at the beginning of XXXX, I received documentation from SunTrust dated XX/XX/2020 which included a Payment Deferral Agreement which I signed and returned. In the agreement I was told my new monthly payment of principal, interest and scrow payment would be {$3100.00}. This payment was due on XX/XX/2020. XXXX XXXX, I spoke with a home preservation representative to whom I made the XXXX payment by electronic check. I was told that my payment was going to be held to be apply on XX/XX/2020. Today, XX/XX/XXXX, I looked over my online bank account with Suntrust and realized that my payment had gone up in the amount of XXXX, and it read that my next payment due was on XXXX, XXXX, 2020. I called Suntrust and asked for an explanation on the situation. I was transfer to the customer service payment solution, and to my surprise, I was told that my payment was short, and they were holding my payment because of the shortage. I got transferred again. In total I was transferred 4 times ( spoke with 4 different people ) and no one was able to explain : The letter dated XX/XX/2020 stated that my payment for XX/XX/XXXX and beyond was going to be XXXX and now Suntrust is stating that my payment is {$3100.00}. Also, I was never notify of the shortage, no notification was sent to me explaining the shortage. I am now concerned this will be reflected on my credit. I spoke with 4 different people and no one was able to explain why there are two different amounts for my mortgage payments. Also, they were not able to locate the documentation which included the  Payment Deferral Agreement.
Product: Credit reporting or other personal consumer reports

I have opted out with XXXX XXXX XXXX, XXXX and requested they stop sharing your nonpublic personal information. COMPLAINT ID XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX  - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This account was initially charged off in XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history and charge off accounts should NOT include and active payment history. This accurate information falsely manipulates the statue of limitations. You have failed to investigate this account multiple times and are violating my rights. I am strongly demanding a immediate deletion of the following account. 

XXXX XXXX XXXX Account # XXXX.