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

In late XXXX of XXXX Citi locked my account, froze my funds ( about $ XXXX ) and informed me that it would soon be closed, but not why. About ten times over the course of the next few weeks, I called in to ask, but was always met with a representative that did not know, or promised to get back to me after contacting someone else, which no one ever did. Finally in late XXXX I went to two physical locations to find the branch manager, who was able to tell me that my account had been frozen due to some transactions that had been flagged as potentially illegitimate. I sent her several documents to prove the legitimacy of the transactions, and then didn't hear back from anyone about the matter before my account was closed anyway in early XXXX. 

It has been over three months since then, and I haven't received a check for the amount from my closed account. I have been informed by representatives of Citi that that check is the only way in which I can access the funds that were in that account, so the total sum has been inaccessible to me for the entire time. I have again called in at least a dozen times, and every time I am met with a representative that doesn't have the power to inform me about the status of the check or get the check resent, but who promises me that they will contact a person with more power and that person will get back to me. No one ever has. More recently I have also gone to the physical location of the branch to find again that there were only people there who couldn't help me, and I watched as a representative emailed a more powerful person and promised that they would get back to me soon, which obviously did not happen. 

To add complication to this matter, I moved house in early XXXXXXXX XXXX XXXX ( and informed Citi I would do so, and to update the address ) and so there was some added uncertainty about whether Citi had possibly sent the check to the wrong address, because upon calling in about this later, I learned that they hadn't updated the address. When I tried to get the address updated and the check resent to me, I was informed that it wouldn't be possible to change my address *because my account was closed*. That is to say, Citi has no process for ensuring that when a bank account is closed, the money is sent to the correct address, or indeed potentially ever accessible to the owner of the money. 

Finally, I'll mention that this happened to my checking and savings accounts concurrently, though most of the money is in the savings account.
Product: Payday loan, title loan, or personal loan

I have had over 300 harassing phone calls at work and at home for a loan I have never been late or missed a payment on. I have repeatedly asked them to cease and desist from the harassment to no avail. This company practices predatory lending practices, sells private information and uses high pressure harassment to intimidate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

While reviewing my credit report, I discovered this account which I had no idea about on my credit report, and I contacted my attorney.My attoney then requested i contact your office for immediate resolution.
Product: Debt collection

sent cease and desist dispute letter XX/XX/year> asking validity of alleged debt ACCORDING TO 15 USC 1692C YOU HAVE VIOLATED MY RIGHTS BY INLAWFUL COMMUNICATIONS PLEASE REMOVE THIS COLLECTION OFF OF MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute an item on my report with XXXX and they will not delete or make appropriate corrections to the report. The account is closed and part of a CH XXXX this is an unsecured debt and they are subject to an automatic stay which means they are not supposed to be making changes to the account on my report after file date. My CH XXXX has been in effect since 2019 and they have since changed the account to an open status and have been reporting late payments across all 3 bureaus. This violates the FCRA and my automatic stay. I want this account deleted from my report or I will be seeking assistance from an attorney and punitive damages for defamation. 
I have requested my personal statement be deleted from my XXXX   report multiple times and everytime I review it over the last few months it is still showing on my report.
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 XXXX and TransUnion 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It Ma Concern : Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that there appears to be a late payment for XXXX 2017 reported by Kia Motor Finance. My payment due date at that time was the XXXX of the month. My XX/XX/2017 payment ( due on the XXXX ) was actually paid on XX/XX/2017. I have tried disputing this with XXXX however, they do not investigate and only submit an electronic request to Kia. Kia then responds that the information is accurate so they refuse to do any further investigation.I have spoken directly with them and they refuse to obtain any records fromn Kia and inform me that I need a letter from Kia in order to have the inaccuracy fixed. 

I feel that these agencies are not willing to aid the consumer, but in essence allow businesses to continuously report inaccurate information which negatively impact the consumer. 

I have attached records of my payment due date and payment history for your review.
Product: Debt collection

XXXX XXXX XXXX has been sending the bills to the wrong address. They have made a clerical error. Now, the bill has been sent to collections and we have never received notice of a bill. We have paid the debt and want the delinquent account removed from my credit report because of XXXX XXXX XXXX 's error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has 2 payday loans on my credit file with XXXX  as they stated in a letter there XXXX  now or the same company. I have not applied for no on line loan with CNU or any other on line company or any pay day loan. CNU On line holdings is no more than fraud. I have file an complaint with the US attorney office as the justice department on XXXX  & XXXX XXXX XXXX for and by I'm on OPT out and XXXX is using a another company to use deception with merges etc.
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yelow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from FACTUAL DATA, I never contacted or contracted with this company. I contacted FACTUAL DATA by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions.12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). I found that under section 605b ( a ) Experian, XXXX, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$1300.00}, and XXXX XXXX  XXXX XXXX opened XX/XX/2020 Balance {$7900.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and TransUnion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, TransUnion, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and TransUnion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

Debt was moved from original creditor to XXXX part collection agency without notice, paymemts where being made on original creditor site than unable to make paymeny and received noticed from collection agency regarding possible suite to collect debt. Action requored prior to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I obtained my monthly updated credit report from XXXX XXXX. I noticed an inquire from Golden one credit union dated XX/XX/XXXX still posted on my XXXX credit report. I had previously tirelessly repeatedly disputed this with Golden one back. Informing its agents and managers that the agent who assisted me during the date prior to inquire instructed me to complete a client form in order to assist me, otherwise they could not assist. I was also assured that it was not going to post any inquire on my credit report as I was only seeking information on home purchasing. The agent explained the form was required to show the number of customers assisted regarding the subject matter. I did not authorize this agent nor Golden 1 credit union to make such an inquire to my credit. An inquire which caused a 30 point drop of my credit score. I was lied to and mislead by the Golden one credit union employee. I only wish this inquire removed. This is financial abuse and financial harassment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX
Product: Credit card

I found a charge on my monthly statement to XXXX that I did n't recognize. I then called XXXX and talked to their customer service department. XXXX at first would n't tell me what was ordered. Then they told me that it was sunglasses and it was sent to XXXX SC. The other side of the state where I do n't know anyone. They said to file a complaint with the credit card company and they would refund it as it was obviously a fraudulent charge. 
I called the number on the walmart Synchrony bank card for the customer service department. They submitted a complaint of a fraudulent charge. I asked them to cancel the card and issue a new number and a new card. They did so. 
A month later they denied the claim and put it back on my account. 
I called again and filed a second complaint. They did a review and sent me the paperwork that shows that sunglasses were purchased and sent to an address that is not on the account. I told them to put the people at that address in Jail and refund my money as I had Nothing to do with the charge. 
That claim was also denied. I called customer service again and they wanted me to send a letter in asking for another look at the charge. 
I refused and talked to a manager who said the previous XXXX complaints were filed incorrectly or with the wrong department. They said it had to be filed with the fraud department. I 'm not sure how I can do that as they handle the filing over the phone and assure me it is done correctly. 
I filed with the Fraud department. 
Now they have denied the third claim and put the charge back on my account. 

These people are a large bank that is doing this nonsense on purpose to stop me getting the money back or make it so difficult I stop fighting. 
I had nothing to do with this purchase and I will not pay for fraud that was committed on a card that has a " Zero Liability Guarantee ''.
Product: Debt collection

I have repeatedly requested that Bonneville Collections provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.