23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, original lender - CMRE Finanacial Services, Bureau Name - XX/XX/2020 date reported - payment status, collection/chargeoff - total amount {$680.00} This was not notified and company did not reach out to me. According to my records I did not visit XXXX XXXX XXXX.
Product: Checking or savings account

I opened an  HSBC  account checking account in  XXXX ,  XXXX  when  HSBC  had a promotion of {$350.00} for opening a new banking account with it. I received my bonus on  XX/XX/XXXX  after I fulfilled all requirements. However, I never received the IRS  XXXX  in  XXXX   XXXX   XXXX   when bank was supposed to provide to customers by  XXXX . Customer service representative informed customers that HSBC wo n't sent out until  XX/XX/XXXX      Surprisingly,  HSBC  sent out the IRS  XXXX  form on   XXXX   XXXX   XXXX   with a letter admitting their mistake and oversight. They further offered customers the reimbursement of any cost of amending tax return filing.     On  XX/XX/XXXX , when I called the customer care number on the letter after I refiled my tax return. The first rep was not aware of this issue, and put me on hold while contacting her supervisor. The phone call was dropped after 37 min of hold. I called back immediately, and another rep answered and said she knew the issue. But she said there was nothing she can do and hang me up without any hesitance.     The whole issue was caused by the " oversight '' mistake from HSBC side, and it sent out an apology letter and offered some assistance. However, its customer care reps instead of helping customers out as indicated in the letter but treating customers unprofessionally, and refused to honor its own company 's notice to help. Based on customers 's comment online including but not limited to blogs, social networks, what happened to me was quite ubiquitous.This is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC XXXX due to your blatant and objectionable disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union CorpXXXX, No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on XXXX separate occasions, more than 75 days and again 40 days ago : XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr DPT TREASURY Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX XXXX, XXXX  XXXX Please remove it from my credit report. 


If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission. 

Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable. 

Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

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

I reviewed my consumers report and noticed i had 2 late payments on my account that i was never late for. Consumer reporting agencies have assumed the vital roles and have a responsibility to report consumer information to the best of there ability with maximum equity. I have never been late on payments for self financial lending and i demand these negative remarks be removed from my consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my credit report is mixed with my sister, who shares a very similar name to me. On our credit report, we have both of our credit history on there ( including auto loans, credit cards, etc. ) Our social security numbers are one digit apart so I can imagine why the mix up happened. We have tried to contact the three credit bureaus and sent in information to prove that we are two different people but still with no results. They are also very hard to reach in general and do not follow up with us ( even though they said they would ). Our mixed credit report is blocking me from being able to change my last name ( to my husband 's ), as well as preventing our ability to buy a home.
Product: Money transfer, virtual currency, or money service

A fraud claim was filed against me from a client of mine. No one at Navy federal contacted me, emailed me or sent a message through my online banking. How I found out they had my funds on hold was because I called and asked where my money was. I was told it was on hold. I asked why they could not tell me anything. My thing is I have been with Navy federal for years. I have put {$30000.00} to {$60000.00} in the account monthly. When I asked about why no one has let me know of the claim to see if I had proof they told me to go to court. I said why would I go to court and I did not file the claim. Not only did my checking have a hold on it a hold was placed on my son savings account and he has his own account that is not mine. When I called they could not tell me anything. I was told on XX/XX/XXXX by a supervisor to upload my proof verifying my innocence she walked me through it and they still did nothing. They did not fight for me I had proof that it was not fraud and that I provided services to the individual and no one cared no one wanted the truth. Today XX/XX/XXXX my funds where withdrawn from my account and sent to the guy who filed a false claim against me. Without anyone fighting for me. I went to XXXX XXXX XXXXXXXX and tried to submit the proof to the bank that filed the claim they told me that I need to submit it through my bank but Navy Federal has refused to accept any proof from me. My son is in XXXX  and they have his account blocked as well. This is unfair and I am seeking justice and better laws and I would love for an attorney to assist me with bringing down banks who do jog protect the consumers
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries being opened or made in my name. As outlined in 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit report immediately. 
Fraudulent Accounts : XXXX. XXXXXXXX XXXX XXXXXXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$3800.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$920.00} Fraudulent XXXX : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Credit Reporting Agency, Transunion has had several attempts to remove the inaccuracies as advised per the FCRA, that a consumer has to dispute any inaccuracies on the consumers report. Transunion has been provided with disputes on their portal website, through the CFBP and has in their efforts not investigated this account accuracy, only verifying my name and address on file. Transunion has been provided with the violations under the FCRA, in which they are currently under violation. Transunion has furnished my consumer report, after being advised that the account " XXXX XXXX '' is income. The company has verified to me that the account has been " Charged OFF ''. It is a fact that a company who charges off an account must report the information to the IRS giving notice to the IRS, so that any being may properly file and access their personal income taxes. Transunion has been provided with this information and has only verified the personal account information as indicated; such as, name and address and have not properly did an investigation. The FCRA advises that the consumer report shall have all accurate information and in the event that it does not any inaccuracies shall be removed. XXXX XXXX provided that the account is no longer in collections that it is in recovery. I was also advised that XXXX XXXX has charged off the account and has sent the account to their collection agency. XXXX  XXXX collection agency has not sent any letter for me to verify the accuracy of the alleged debt that the FCRA requires giving the consumer 30 days to do so. Transunion has not sent any disclosures prior upon allowing the furnishing of this information to my consumer report and are under violation 15 U.S code 1681, 15 U.S code 1681b. In regards of the XXXX XXXX account, Transunion can only furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates, Transunion is in violation under this law, 15 U.S code 1681b ( 2 ). Transunion has never received written instructions from me to furnish information regarding " XXXX XXXX '' to my consumer report. I demand this information be removed from my consumer report effective immediately. Transunion has been given several opportunities to correct these inaccuracies and has breached their obligation per the FCRA on what can and can not be reported and how information can be furnished only if the consumer gives consent in writing first. XXXX  XXXX company does not have permission to furnish my report and any third party non-affiliate that XXXX XXXX may sell my information too without my consent does not have permission within my rights of privacy under the privacy act of 1974.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
Account information is as following- XXXX XXXX XXXX for {$11000.00}, XXXX XXXX XXXX for {$81.00}, XXXX XXXX for {$460.00}, XXXX XXXX XXXX  for {$650.00}, XXXX XXXX XXXX for {$970.00} XXXX XXXX XXXX for {$1200.00}, XXXX XXXX XXXX for {$1400.00}, hard inquiries from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Has violated my rights. 
I looked at my XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. 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 the 15 USC 16881 ( e ) ( b ).

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, base on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are suppose to not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The report belongs to a man by the name of XXXX XXXX which is showing up on my credit.
Product: Checking or savings account

On XX/XX/XXXX - I opened a savings account and a checking account wit

h Citi online. About a week later - Citi e-mailed me to ask for more personal info, including utility bills, credit card bills, phone bills, etc.
On XX/XX/XXXX - I faxed the documents back to Citi.

On XX/XX/XXXX - I received the new Citi debit card in the mail and activated the online access. I could see my new Citi savings account and checking account online. Later on the same day, I asked Citi online rep how I could meet the requirement for the opening account bonus by the deadline. She said I could wire the money in ( {$15000.00} ) from a different bank on the next day.

On XX/XX/XXXX - I followed Citi rep 's advice and wired {$15000.00} from my XXXX XXXX to new Citi savings account. Later on the same day, I realized I suddenly lost my Citi online access. So I called Citi, and the Citi rep told me the accounts were indeed approved yet they'd just closed my new accounts ( without a good explanation ).

On XX/XX/XXXX - I found out my XXXX XXXX  got the wire money reversed ( rejected by Citi due to closed accounts ) but only {$14000.00} was returned by Citi. I called both XXXX and Citi. XXXX rep confirmed that Citi took away {$40.00} when returning the fund. However, Citi rep didn't admit that they took away {$40.00} or find a way to explain why my new accounts suddenly got closed.

I searched online and found out that Citi indeed charged {$15.00} for incoming wire and {$25.00} for outgoing wire, so I'm suspecting that's how {$40.00} was lost : https : //online.citi.comXXXX XXXX I'm not at fault since I basically just followed Citi 's instruction yet they closed the account and took {$40.00} for rejecting my wire transfer. I hope that CFPB can help me resolve this issue with Citi.

The conversation with Citi rep on XX/XX/XXXX is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an unauthorized hard inquiry made by XXXX/XXXX XXXX XXXX XXXX onXX/XX/XXXX.

There was also an unauthorized soft inquiry made by XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting

There are several incidents with Equifax and my dispute of incorrect information. I will start with XXXX public records listed on my report that should no longer be present. A year ago I contacted the courts and the courts informed me that they were not reporting to the agencies to contact rental agency. I did that and rental agency contacted credit agencies that the bills were paid before court. XXXX deleted from my file as requested from the rental agency. Equifax however, only updated as satisfied. Several attempts have been made by myself and the rental agency to have information deleted as it should have not been on my report in the first place. I am trying to make major changes and this is hindering me from moving forward. I can not qualify for a mortgage with this hanging over me. Although Satisfied status it is still considered negative. I would like to know what I need to do in this case. Also, they refuse to give method of verification for any investigation they do. It states in the Consumer Rights that I have a right to that information. This has been going on back and forth for a year now.
Product: Credit reporting or other personal consumer reports

I NEVER gave any consumer reporting agency the permission to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. I XXXX XXXX Never Signed, Provided Documentation or Have any first hand Knowledge About ANY account Authorization That took place with ANY ACCOUNTS LISTED IN THIS COMPLAINT EVER! WITH THE CREDITORS BELOW or! Any Documents Those companies RECEIVED WAS FRAUD and I stated to the creditors also. I'm a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested verification under federal law asking Experian, XXXX and XXXX to send me written verification of items they are reporting on my credit report. I have been asking for written verification of any contract or document bearing my signature sent to me for the last several months. 

They continue to report inaccurate information and wont send documentation that the items they are reporting is in fact mine.
Product: Credit card

On XXXX XXXX I did a cash advance from my XXXX XXXX in a ATM of my bank. The bank charge me {$3.00} for the withdrawal as if I was using a card from other bank. I did the claim explaining that the ATM read wrong my card. Representative said that fee is correct because is a cash advance. I told that it was n't the first time a did a cash advance that the fee does not belong. The ATM had never charge me when using a card from the same bank. I was aware of the {$2.00} fee that the bank would charge for this. They ended charging me {$5.00} for the transaction. Besides, they never gave a resolution to my previous dispute. 

I 'm tired of all the mistakes they are making in my account.
Product: Credit reporting or other personal consumer reports

I was a victim of Lexington XXXX XXXX and I moved to another state
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$680.00} XXXX  XXXX Balance : {$9900.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$790.00} XXXX  XXXX Balance : {$9900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a phone call from a debt collector ( XXXX XXXX XXXX XXXX ). They were attempting to collect a debt for {$390.00} from XXXX XXXX XXXX. In XX/XX/XXXX I filed 2 fraud claims with XXXX XXXX XXXX. As of XX/XX/XXXX, the investigation is still in progress with the bank that the check was cashed to - Bank of America. Despite the long length of time it has taken to complete the investigation, XXXX XXXX XXXX assured me that they would not send my account into collections. However, this was clearly not the case, and it was sent to collections anyway. I am filing a complaint not only because of the false information I was given, but also the WRONG AMOUNT of the debt. XXXX is attempting to collect a debt for {$390.00}, however, the original fradulent check was cashed in the amount of {$390.00}. Despite trying to get a straight answer from both XXXX XXXX and XXXX XXXX XXXX  XXXX Department, neither one of them could explain the difference between the two amounts. I would like Bank of America to resolve their end of the issue with my fraud claims, as it has caused a huge amount of grief over the last several months. They have been working on my issue for the last 5 months with absolutely no progress updates, despite XXXX XXXX XXXX reaching out to them on a weekly basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander consumer USA, allowed me to have a trail payment plan for my car payment in XXXX for the XXXX pandemic, in the last year XXXX - XXXX the car was paid off, the account showed as current and XXXX balance, when I verified my credit file in XXXX I discovered Santander Consumer USA XXXX reported my account NEGATIVE in all years XXXX late payments, I did a dispute with them and I sent letter to XXXX and XXXX to delete all the negative late payments and they never removed them, my account still remain Negative late payments 60 days late and 30 days late, please investigate this issue for me because of this matter I cant rent any place to live my life right now is miserable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I handwrote dispute letters to all three credit bureaus about inaccurate and incorrect information on my credit reports. I also been disputing these items since XXXX of 2020. I specifically requested that they verify the information with proof of my handwritten signature on loan or credit documents and provide information and evidence on how they verified this information. Since the information was different on ALL three bureaus, I demanded that this derogatory information was deleted or removed. However, XXXX  and TransUnion sent back reports showing that the information was updated. I did not ask for anything to be updated. Under FCRA, any inaccurate or incorrect information must be deleted and not replaced there. Replacing derogatory information on a person 's report that is still fraudulent, unverified or inaccurate is still breaking the rules and regulations of the FCRA. Anyone can sit in front of a computer and fill out information without a person 's permission and send it in and have open accounts in a person 's name without them knowing it until they check their credit reports.
Product: Credit reporting or other personal consumer reports

Recently Reviewed a copy of my Credit report and noticed I had fraudulent activity on my credit report.
Product: Credit reporting or other personal consumer reports

I have never engaged in any contractual agreement with XXXX XXXX  or CREDENCE RESOURCE MANAGEMENT, nor have I ever been affiliated with these companies. Furthermore, I have never received a signed contract for any agreement or contract bearing my signature. Despite my request, the credit bureaus have permitted the inclusion of this erroneous information in my report without conducting an investigation.
Product: Debt collection

I do not know about this debt at all. It says I owe {$690.00} against XXXX XXXX XXXX XXXX apartment, however I do n't know of any amount which was due at the time of vacation. Property manager confirmed me I had ZERO balance in my account. After 10 months or so I came to know I have to pay this amount but they never provided any evidence of this bill was due. Due to this collection my credit score is highly impacted and would like to have removed ASAP.