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

We ( I and my spouse ) have opened two checking accounts that has a bonus promotion of {$400.00}, per account, contingent that the account maintains its opening balance for two months. Each account will be credited with {$400.00} no later than 90 days after the two month period has past. We opened the account on XX/XX/2018. We were informed that our account will be credited with the promotional bonus by XX/XX/2018. We called Citi to inquire about the balance on XX/XX/2018 and was advised that it will be credited by XX/XX/2018. After confirming that the promotional bonus was not credited, we were informed to wait for a week. On XX/XX/2018, we called Citi again to inquire on the promotional balance credit. They stated that an internal investigation needs to be filed and we can assume that the investigation results will be available by XX/XX/2018. We called Citi on XX/XX/2018, inquiring on the disposition of the internal investigation and was advised that their investigation queue is taking longer than expected and that they can not provide an estimate when it will be resolved. 
We have opened the account and adhered to the contractual obligations of the promotional requirements. We have in good faith called Citi numerous times to address and correct the issue. However, Citi is giving us a run around and not adhering to its contractual obligations. 

Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 accounts on my credit report that do not belong to me I need these accounts gone. I have tried disputing these since XX/XX/2020 to no avail. I have also opened an FTC report for all these accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to obtain a free copy of my credit report for over a month. I have not even received a rejection notice. The problem may have been a recent move, so I have opened a post office box that is easy to validate. I need a free copy of my credit report from each respective credit bureau immediately. Thank you.
Product: Credit reporting

To Whom this may concern. 
I have on multiple occasions attempted to file disputes by phone with Transunion regarding multiple hard inquiries on my Transunion credit report. Each time that I have attempted to file a dispute I am being told that I have to contact the creditors to have the inquiries removed. When I contact the creditors they advise me that I have to dispute them with the credit reporting agency. Transunion representatives will not allow me to file a dispute regarding the hard inquires that I did not authorize. This is an unfair practice and it is affecting my credit negatively and that is the reason for me filing this complaint. The inquires are not authorized by me or a result of me requesting credit, insurance or employment or the result of a court order and I want them removed. Immediately. 

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

Hello, On XX/XX/2019 my score was XXXX. 6 days later the scores with XXXX XXXX, XXXX, Equifax, and FICO all went down to the 670s, ranging from 670-673. In the last 90 days, I opened a credit card that always stayed at 40 % of the balance. I also renewed an Income Based Repayment plan with my student loan creditor, XXXX XXXX XXXX. 

I was confused as to why my score went down and so are the employees at the credit reporting agencies. They have been unable to tell me why my credit score went down so suddenly. I'd love some advice please. 

Thanks
Product: Checking or savings account

On or about The month of XXXX I recieved a text from capital one asking me to approve a XXXXXXXX transaction which prompted me to look at my account and notice transactions such as 3 to XXXXXXXX and a balance transfer to XXXX XXXX The times this all transpired i was at work and had my card on me. I called my bank to dispute those charges and noticed charges dating back to XXXX from an XXXX XXXX XXXX XXXXXXXX XXXX NY I asked the caller at the time where are those charges from because I live in the XXXX, ny. He put me on hold and stated they were from XXXX, NY and it was reported as suspicious online, so I stated to him I never purchased anything from that borough and began to dispute those charges amounting up to about XXXX. The money was credited to my checking account. Today on XX/XX/XXXX I noticed that my account was in the negative for almost XXXX dollars, and looked at my transactions to see that those disputes for the XXXX XXXX XXXX XXXX XXXX NY was reversed. I called capital one and explained the situation to the representative and he only replied that upon investigation they found that the actual debit card was used. Again I asked him what business and where was this transaction made he responded the same as the first stating it was made in XXXX, NY. I was frustrated because I stated to him I do not live in XXXX or buy anything or use my card in XXXX. Why was this reversed, why am I being penalized. So this representative escalates the call to a supervisor named XXXX XXXX ID XXXX, I explained to her the situation again to her and she informed me the same as the first representative that they have legal proof debit card was physically used and I asked her again where she said a laundromat, I asked where she replied in XXXX, NY I stated that's impossible as I can not be in XXXX XXXX boroughs at once. She forward that exact statement to the complaint dept. Complaint number XXXX. Again I was frustrated she stated to me a transaction was made again to XXXX XXXX XXXX XXXX XXXX NY THIS YEAR XXXX, upon my frustration I asked again where is this at, if I would have known the exact place this made and If it was me I would have no originally made a dispute, she just stated again a laundromat in XXXX, NY at this point I was over it. I was being penalized for misinformation from all these representatives in he dispute department at capital one. I still don't know what that investigation concluded other than the representative telling me the card was physically used at a laundromat in XXXX, ny. Then I asked her why would you credit any monies before an Investigation? She stated because it's policy. I am currently with a negative balance of about XXXX dollars with an additional amount of about XXXX dollars from my checking account due to misleading information from this department and I still have no facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything on my credit Report should be 100 % Accurate. The Credit Bureau stated that my account was properly investigated and updated on numerous occasions which could not be possible when XXXX XXXX with account number XXXX has various discrepancies on all three bureaus such as inaccurate open date, inaccurate date last active, inaccurate account number, inaccurate account type, inaccurate date of last payment and inaccurate payment history and XXXX XXXX with Account number XXXX has inaccurate account type, inaccurate, inaccurate credit limit, inaccurate date last active, and inaccurate date of last payment. these inaccuracies are grounds for removal. 
They also Violated my rights under 15 U.S.C 1681 section 604A which states that I have a right to privacy. 15 U.S.C 1681 section 604 A, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX refuses to remove all name variations, addresses and addresses I am not associated with from my credit report.
Product: Debt collection

I was an XXXX, ( XXXX ). Under the corporation, we leased an office. We closed the doors on the corporation a few years later due to the economy crash. We held on as long as we could but ultimately had to close up shop. The corporation had a balance left on the building lease and leasing company decided to send it to collections under my personal credit file. We opened the lease under the umbrella of the corporation and my personal credit should not have been damaged. " Paid in Full collection agency '' is the name of the collection agency coming after me for the corporate debt.
Product: Credit reporting or other personal consumer reports

I just got me a copy of my credit report and I found some stuff that is not right. From what I have been told, you have to verify anything I think is not right. Please do one of investigations on the accounts that I listed above and mail me results. On the internet it says you must finish within 30 days, so I will wait until then The follow needs to be verified : 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 moved to XXXX XXXX from California, XXXX a year ago ... i just bought a home here in XXXX ... .Im a XXXX XXXX, never been outside or worked outside california . Never been arrested and had any felonies ... .Well just bought a house so I need extra income from my XXXX job and so I applied to XXXX and XXXX ... and I worked for XXXX in XXXX XXXX about two years ago, drove with no problem ... I been applying for jobs, getting turned down and before me and my wife moved here we got turned down for a few rental homes also ... thinking I was just being scamed by the rental companies taking my application fees I never thought nothing of it, but I did send off fingerprints thru the FBI criminal investigations in West Virginia ... My fingerprints came up clear, no criminal history ... but when we get to XXXX I get turned down for XXXX and XXXX ... saying I had a public record for XXXX starting in XX/XX/XXXX tili XX/XX/XXXX ... .and spent most of those years in XXXX in ( XXXX , county ... Illinois ) ... now Im a XXXX XXXX XXXX with the XXXX and california credentials also ... .how in the XXXX this is possible I BEEN LIVING AND WORKING IN XXXX XXXX AND RAISING MY KIDS, before in XX/XX/XXXX I was in high school and worked my way up from a XXXX XXXX to a XXXX XXXX with XXXX and XXXX XXXX at XXXX stores in XXXX XXXX ... ... .The background system they used which seems to have the false information is ( CHECKR ) .... ( checkr ) ... they are based out of XXXX XXXX, California , ,, they have caused me to get turned down from jobs and housing ... I need this issue to be investigated ..I don't know if this is identity theft or mis information from the company that did the background checks ... .. 

Thanks sincerely XXXX XXXX XXXX
Product: Debt collection

last year,XXXX I got a letter from the Oklahoma tax commission , originally it was {$840.00} I believe, I went on their website and they have a place where you can set up payment plans, I did it for the first of the month, OTC wouldnt send statements til like a few months later so I can keep record, but I was paying XXXX  a month, I got it down to XXXX and then they sent me a letter saying I owed XXXX and now its XXXX, I wrote and told them I had a plan on their site and it shouldnt be any interest and they said they have no record of there being a plan, YET, when I paid on the bill you cant help from not seeing it since it was on the same page, so then they sent a tax warrant and if I pay atleast 800 it would be not interest, I feel I owed no interest as I had been doing my payments, in fact I listed payment plan 3 times on their site. so I heard no word from OTC since XX/XX/2019 and then just this XXXX I got a letter from Harris & Harris ltd collections billing me for {$440.00} for the rest of it, on the letter they say it should be taken seriously and the OTC can take your debt to a law firm, intercept the thru tax refunds, they did already take my Okla return before I got to reply, {$88.00}, I just got the letter on the XXXX of XXXX and made payment plans for the XXXX of this month and XX/XX/XXXX to pay it all off. I paid {$200.00} in addition to the {$88.00} which took the bill down to {$150.00}, checked my bank statement and these guys ( Harris & Harris ) and took the {$150.00} out. isnt there a fine for this?
Product: Money transfer, virtual currency, or money service

The scam started on XXXX XX/XX/2022 while attempting to connect my TV to my XXXX XXXX account. A message appeared on my TV that I needed to call a number to confirm my account. ( I do not recall number. ). After answering several question and passed around to various individuals, all representing themselves as XXXX Staff - resulting in me, apparently authorizing a transfer from my bank account to a Zelle account ( I DO have a name and Zelle payment ID number ) the total of {$990.00}. Upon realizing what I had done my wife contacted our bank, filed a claim and issued a case number. We also closed our checking account and took all the necessary steps to switch all out all our monthly automatic fund transfers. The bank representative was very considerate and helpful. The transfer was put on hold - but ultimately the dispute was cancelled and the money transferred on XXXX XX/XX/2022. I realize the stupidity of my actions in approving the transfer, but this transfer was approved on false pretense and lie. What I dont understand is why this activity can not be shutdown, we know the account that the money was sent. If appears thousands, maybe millions, of claims of this same kind of fraud exists using Zelle. If Zelle didnt scheme this system to facilitate this type of theft, the system certainly is making it immensely easy for these scammers by evidence of thousands, maybe millions of these fraudulent transfers, and Zelle appears to be doing nothing. Somebody ought to be able to curtail this activity and someone should be prosecuted. Maybe the IRS should be investigating these transfers to see if any taxes could be collected from these scammers
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

In my last complaint, I asked Equifax to give me to access my myEquifax account. I am unable to log in and access it, therefore can not make disputes ( or see any of my own info ) and now still can not check to see if they even fixed the one thing I was trying to dispute in my account that they said they would.

Instead, they told me to make an account! But the whole problem, to begin with, is I already have one ( which means I can't make a new one ) and I can't access the old one because I'm locked out.
Product: Debt collection

KNIGHT ADJUSTMENT BUREAU I asked to politely speak to the supervisor myself. When I was transferred to XXXX one of the supervisors from Knight Adjustment Bureau ... I explained to her what my circumstances have been for the past few years & now I am willing & fully capable of settling this debt in full because I genuinely want to change my current & past situations into a positive financial future for myself & family. I asked her politely to consider requesting to remove the debt from my credit report, which would remain on my report for another five years. Whether I paid in full or not. & XXXX the supervisor said in a sharp, direct voice ... '' I will not request to delete or remove this from your credit report because it needs to stay there to show the world what you have done & what you have failed to pay over the last few years. '' I then asked her how she wouldn't be willing to help me when I'm taking full accountability for my debt & are trying to he best of my abilities to better my future. Still, she was extremely adamant on keeping this minor debt of {$130.00}, even if it's states paid in full, on my credit report for the next five years. Then she belittled me by saying, " You could have sent us {$5.00} a month for the past two & half years if you were so serious about taking care of your debt. '' I guess she has no compassion for humanity in any shape or form. Here 's to America 's helping to make other Americans successful in this country. I wished her well & told her that I hope XXXX will bless her. People like this are the horror of this entire world. XXXX the supervisor for Knights Adjustment Bureau ... I hope you're able to sleep peacefully at night with yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  - Account Number XXXX XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX. XXXX, XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been taken advantage of i am A victim of identity theft there are accounts that are on my credit report that i never authourized.
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { ALL OF THESE INQUIRES WERE FRAUDULENTLY ADDED TO MY CREDIT REPORT AND NEED TO BE REMOVED ; EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. THANK YOU, XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX USA XXXX