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

On XX/XX/year> I opened a new account with Wells Fargo under the premise that I would receive a {$320.00} bonus for doing so ( along with meeting a couple other conditions to receive the bonus, which I did meet ). They lied and no bonus was ever awarded, and they also lied and said they would call me back by XX/XX/XXXX regarding this case and they never did.
Product: Credit card or prepaid card

Have an XXXX XXXX Citi credit card. Attempted a purchase online from a XXXX   company for {$140.00} usd. Card declined. Called Citi to find out what the issue was. Representative stated that they can't verify I am who I say I am and have to send me a text message - No text message ever arrived. I offered to answer any question they had, send copies of the card, my ID, social etc ... Representative said nope - We are blocking your account access. I can't use the card or even access the account online to make payments. Representatives BARELY speak English. No solution to access or unblock my account or even to make a payment. Impossible to speak to a representative who is a native English speaker. No method to access my account or verify I am myself. Completely unacceptable.
Product: Credit card or prepaid card

My EDD maternity leave benefit account on the Bank of America pre paid card was hacked when I clicked on a scam text message by mistake. The amount of {$4700.00} was taken from my account on XX/XX/2022. I filed a claim on XXXX the morning I realized my money was gone. On XXXX EDD deposited {$2600.00} to the BoA card, I called the bank immediately to make that money transfer to my account but I was told I couldnt do anything since I needed a new card replacement and that it was already ordered. On XXXX the money was gone- AGAIN! Now total of more than {$7000.00} was lost and gone. I am getting no answers as how it happened twice. I am requesting a check to be sent to my mail address because someone has my information and will keep getting my money even with a new card replacement. I am desperate and my family and I rely on that money for mortgage, baby expenses and to pay bills. Please Help!
Product: Credit reporting or other personal consumer reports

XX/XX/2024 cyberspace application denied internet access to bank account credit file of XXXX. XXXX  application is a black hat trick under false pretense to a CREDIT FILE XXXX name XXXX XXXX of an XXXX  spanish police XXXX that prevents XXXX XXXX XXXX customer access to IRS XXXX to defer debt and acquire finances. Credit is not perfect. XXXX XXXX is to be made perfect with birth-given name and surname. XXXX person keeps hiding name with black hat tricks. That's like XXXX XXXX XXXX. I'm a elf with a given name so due from barbaric nature I keep getting harassed by XXXX cyber space messing up the internet.
Product: Checking or savings account

I have a CD with CIT Bank ( account number XXXX  ). 
The CD was due to mature in XX/XX/2019, at which point I decided to renew for another 18 months ). 
However, I checked my statements since then, and I have not been paid ANY interest since then. 
I need my interest from XX/XX/2019 added to my account.
Product: Debt collection

I am the co-signer on my daughter 's auto loan. She says that she is making payments although she may be slightly behind. I understand that it is affecting my credit if she is behind, but she has a decent job and she will make the payments. I just want the dozen or so calls I get per day to stop. I have no more information to give them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the reporting of my student loan on all three credit reports, XXXX, XXXX, and Equifax. The loan is listed multiple times on each agency report with varying, inaccurate and conflicting information. 


Please verify all reported sections on these accounts. The late payments on this account are over seven years. I have worked diligently to rebuild this account to a good standing status. This inaccurate and outdated reporting is detrimental to my credit score and does not accurately reflect my current account status.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 paid total amount due, {$200.00} On XX/XX/2022 company, Home Depot cashed my payment. 
Companies Closing Statement Date was XX/XX/2022. 
Home Depot kept my payment of {$200.00} and gave me store credit. AND ... ..... 
Turned me into collections, harming my credit score!!! 

I am aware of dates being close with transactions. BUT their billing cycle is 30 days and should have been picked up on XX/XX/2022. And a retaction should have been sent to XXXX, XXXX and XXXX. 

Want Home Depot to Retract Report Of Non Payment. So my credit score can be repaired by their False Accusation of non payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX received completed compliant from XXXX. Citimortgage closed two accounts my mortgage. I still paying mortgage just to a different PAYMENT Center is all. I've refinanced twice to lower interest rate. Citimortgage retained mortgage all this time Since XX/XX/XXXX .All they ever done was changed Account number. But Citimortgage has been lien holder all this. Since XX/XX/XXXX when went to purchase a ovehicle found out about credit Report. I never filed bankruptcy on Citimortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying a ATV for summer fun. As I was looking for the one I liked the sales woman that was helping with the process told me she needed to check my credit to make sure I qualified. When she got my report back she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX  XXXX XXXX {$810.00} XXXX  XXXX  XXXX {$500.00}
Product: Checking or savings account

I had my account hacked and funds stolen, I alerted moneylion. They opened an investigation and said I had ten days to submit evidence. After one day only they denied my claim. When I challenged this they reopened it. I then submitted all evidence and requested documents. This occurred between XX/XX/year> and XX/XX/year>. Since then they froze my account yet issued me a credit that I can not access or use. They have provided me with the exact evidence I told them they'd find and yet keep dragging it out. They request I change my phone number again which I've already done within the last 45 days as well as my email which are both secure and only I can access! They do not return my calls or emails in a timely fashion. Ive verified my identity and done everything they've asked. I wish only to transfer my funds and close my account which they will not allow. This is the second time in three yrs they have allowed my account to be misused and stolen from. Not only that but my paycheck advance feature was used and has not been repaid because of the status of my account and it is negatively affecting my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol One is falsely reporting I owe on an account that was closed in XX/XX/XXXX. At the time I closed the account, there was a XXXX balance. In fever of XXXX, they send an email saying I owe them over {$100.00}. Called them and asked how's it possible that I get no notification of any outstanding balance until XXXX. No response. This is just one current issues. Previously, they tanked my credit because without warning they sided with the vendor on a dispute and did an out of cycle update to my credit report. I paid off the card and asked them to update my report out of cycle as they did to their benefit. They would not, so I closed the account immediately. If they can do an out of cycle update to benefit them, they should return the favor. They didn't. I verified there was nothing left in three account when I told them to close the account. 

They will NEVER be in my wallet again. 

Please fix this by having them remove their XXXX my credit report. 

Thank you!
Product: Credit card or prepaid card

Citibank opened a fraud account in my name and has since illegally sold my information to XXXX XXXX. I don't have a letter anywhere showing where they even notified me that this debt was sold. I have requested that the letter with delivery confirmation be sent, which really wouldn't need for me to provide PII in order to prove that they sent the letter. I refuse to give my PII to any company at this point because of the fraud. 

These guys also closed out a CFPB complaint before it was even verified and resolved. These guys are just trying to get out of being accountable. 

I have included screenshots of my credit reports to prove that they did actually send this to XXXX since there seemed to be doubt that this was legitimate. They now need to provide me with a delivery confirmation of the letter allegedly sent informing me that my PII was sold. They never had consent to be doing anything with my PII. So, a signature is required on a contract to prove they had any right to be doing anything with my PII.
Product: Credit reporting or other personal consumer reports

RE : Equifax  ; XXXX, XXXX  ; Account # XXXX Per the FCRA, as a federally protected consumer I have never received notice nor any disclosure to opt out per 15 USC 6802. 

Also, as a federally protected consumer I have never received any disclosure on Equifax, XXXX nor XXXX  privacy policy disclosing of the sharing of any private and personal information per 15 USC 6803. 

Furthermore, Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization, I the consumer may have given you whether written, unwritten, verbal, and non-verbal per the rule making of 15 USC 6804 and the enforcement per 15 USC 6805. 

Per the privacy act of 1974, the financial institution XXXX  violated their terms and conditions against me as they promised not to share my banking, personal, and private information with non-affiliates. I am demanding that each party included in this letter provide proof of this authorization to have and share my information. The credit agencies keep stating the bank gave them authorization to have information, but my institution says they dont give it to non-affiliates. 

Lastly, this account is reporting inaccurately across all credit agencies and needs to be updated immediately to paid as agreed reflect all payments made on time to be accurate. Per the FCRA a report containing information between a consumer and the person making the report is excluded per 15 USC 1681a ( 2 ) ( A ) ( i ) I am seeking compensation for these violations and damage that has caused me great hardship in life and for the account to be updated as paid as agreed. 

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

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information
Product: Credit reporting

I disputed my XXXX tax liens that were filed XX/XX/XXXX for balances of {$30000.00}, {$2800.00}, and {$24000.00} filed with all XXXX bureaus. These liens are over 7 years old, and my legal rights are being violated with the Fair Credit Reporting Act Section XXXX 15 U.S.C. 1681c ) ( 2 ). This Act states, that liens which began reporting over 7 years ago should be removed from a consumers reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation loan XXXX XXXX XXXX XXXX XXXX FRCA address and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have these companies ; XXXX XXXX XXXX XXXX XXXX Security Credit Services LLC XXXX  XXXX PC They are attempting to collect an old debt that was placed as " charge off '' from XXXX XXXX XXXX more than 4 years ago. XXXX XXXX XXXXXXXX XXXX XXXX sets a statute of limitations for collecting debts. In Texas, debt collectors only have four years to collect a debt, and that limited timeframe means that debt collectors can not pursue legal action against a debtor if a debt is more than four years old. 

I have requested validation of the debt, contract of all parties that they own the debt, deletion of all reported to the credit agencies until this is totally100 % accurate, and cease and desist from all telephone communication and only by communicate with me by mail. 
They have failed to comply with all my legal requests, causing me and my family additional stress, suffering and frustration plus credit damages and costs.
Product: Debt collection

We had XXXX service our company well over 20 years. 
In XX/XX/2022 XXXX stop delivering product, did not answer phone calls did not respond to letters wrote to them. Had no future plans on delivering product to us. After running out of product in early XXXX we switched to another company who could deliver. With XXXX XXXX 3 months after last delivery and with no contact. a bill arrived for {$6000.00}. After calls and letters to the company, still no response for 3 months after. a Collection agency XXXX XXXX XXXX starting calling and harassing our company and even sent a letter to a personal address. They wanted over {$8000.00} XXXX?? 
Beware of their tactics to collect.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

I have been receiving threatening phone calls and voice mails looking for a person with a similar last name to mine, but for debt owed and legal action.. and court dates. I tried calling back several times Im the past to tell them to stop calling me they have the wrong number and person. They attempt to question me in a very aggressive manner demanding if I know this person. Today I called back I was annoyed and I was asking to please be taken off the lady ( XXXX ) said this isnt a list, I told her well u have the wrong person please stop calling me she stated I dont like your attitude your phone number is public record and hung up on me. I called again and asked to speak to a supervisor and spoke to a XXXX I asked again to speak to a supervisor, he stated he was, I told him oncev again to take my number off and that his agents were severely rude and hung up on me.. He began yelling at me, I told him thats fine I was going to speak to a lawyer today regarding a different matter but that I was going to mention this harassment.. he stated screaming I hope you do!! Its people like you that ... and I couldnt make out the rest and he said Your life is insignificant. I couldnt believe he said that and he had the nerve to hang up on me the number is a collections agency the phone number is XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Equifax continues to report inaccurate information on my credit report after I request verification. Under the FDCPA, you can not reports inaccurate information without proper validation which includes documentation to support your claim. This is causing me daily stress and frustration. It is also not allowing me to get approved for any credit.
Product: Checking or savings account

I recently became aware of a check # XXXX payable to me in the amount of {$130.00} that was deposited by someone other than me in an account at Wells Fargo that wasn't mine, which represents several problems namely, Wells accepting a check payable to me that I did not endorse, crediting an account that was not mine, or even worse depositing it into yet another unauthorized account.
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. I have gone so far in proving to you that I am a victim of identity theft to the point that I have already called the bank and guess what? They have agreed to not report the accounts so why dont you delete them now? I have forwarded to them my FTC just like what I did to your agency and they are aware of the misleading information on my report. I need you to do your job as well just like the creditors did. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. PLEASE DELETE these accounts below XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX
Product: Credit card or prepaid card

I purchased the American Express Serve card from XXXX on XXXX XXXX XXXX in XXXX, NC on XX/XX/2020 at XXXX XXXX. I gave the cashier {$520.00} to cover the {$500.00} balance for the card and also my driver 's license. Upon leaving the store I tried registering the card to use it to pay my bills, but the card wouldnt work. I called the American Express Serve customer service number and spoke with a representative and theyre telling me the card isnt activated and to return to the store that I purchased from to do so. XXXX told me theres nothing they can do after post-activation since theyve given me the card activation sheet that was attached to the receipt and to call the number on the back of the card again. I mentioned this to the serve representatives and they told me to send in further information. I was given the wrong email twice, and an outdated email and its been two weeks with no kind of resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request for Removal of Fraudulent Charge-Off Accounts from Experian Credit Report Dear Sir/Madam, I am writing to file a formal complaint and request the immediate removal of fraudulent charge-off accounts from my Experian credit report. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have adversely affected my credit standing. In accordance with the Fair Credit Reporting Act ( FCRA ) and Experian 's policies, these fraudulent entries must be removed to ensure the accuracy and integrity of my credit report. 

The details of the fraudulent accounts are as follows : XXXX. XXXX XXXX Number : XXXX - Balance : {$5900.00} - Balance Updated : XX/XX/XXXX - Credit Limit : {$5000.00} - Account Status : Closed - Date Opened : XX/XX/XXXX - Account Type : XXXX XXXX XXXX XXXXXXXX XXXX Number : XXXX - Balance : {$1300.00} - Balance Updated : XX/XX/XXXX - Credit Limit : {$1000.00} - Account Status : Closed - Date Opened : XX/XX/XXXX - Account Type : Credit Card XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX - Balance : {$16000.00} - Balance Updated : XX/XX/XXXX - Credit Limit : {$15000.00} - Account Status : Closed - Date Opened : XX/XX/XXXX - Account Type : Credit Card XXXX. XXXX XXXX XXXX XXXX Number : XXXX - Balance : {$21000.00} - Balance Updated : XX/XX/XXXX - Credit Limit : {$20000.00} - Account Status : Closed - Date Opened : XX/XX/XXXX - Account Type : Credit Card This information is the result of identity theft and does not accurately reflect my credit history. I have also taken steps to have these accounts suppressed by XXXX XXXX XXXX, where they were deemed unverifiable. I have attached a copy of the identity theft report filed with the Federal Trade Commission ( FTC ), as well as the documentation from XXXX, for your reference. 

Under the FCRA, consumers are entitled to dispute any inaccurate information on their credit reports and to request its removal if proven to be fraudulent. Despite my previous attempts to resolve this matter directly with Experian, these fraudulent charge-off accounts continue to appear on my credit report, causing significant harm to my financial reputation. 

In light of the above, I kindly request the CFPB to intervene and ensure that Experian promptly investigates these disputed accounts and removes them from my credit report. I have attached copies of my identity theft report filed with the Federal Trade Commission ( FTC ), police reports, and any other relevant documentation to substantiate my claim. 

I trust that the CFPB will take swift and appropriate action to rectify this issue, ensuring that my credit report is accurate and reflects only legitimate transactions. 

Thank you for your prompt attention to this matter.
Product: Debt collection

AFNI , INC Has submitted a collection that is not mine. I have never used " XXXX '' and I do not owe XXXX or AFNI, INC. any debit. I have had NO communication with either of these companies by phone or by email.