23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

An XXXX loan came up on my credit report a couple of years ago and I immediately disputed it as not mine because I didnt use affirm. I have since disputed it between XXXX times through Experian and each time it comes back as confirmed and I have been given no information as to how this is mine. After dealing with Experian I called XXXX directly and asked for the information showing that this was my account and they refused to provide anything showing that this belonged to me. I was told by XXXX XXXX XXXXimes now that they are doing an internal review of the case and I would be contacted in XXXX days. In each of those instances I never received a call back nor have I ever received any of the information I requested that shows they are claiming this is my debt. I finally got fed up and told XXXX I would just pay it because its such a small amount and they declined that option and said they are doing an internal review to determine and send me the information I requested. Ive yet to receive that. Even during the course of the dispute XXXX reported every month as a charge off all while Im being told they are investigating. It is such a small amount I would have had no issue paying it but this is not my debt to pay and I am frustrated with getting no where with both Experian and XXXX on getting this solved and off my credit report. I dont have any information to attach below because I have not been sent any that shows this is my debt even after the XXXX times I have requested them to provide it.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 


XXXX XXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Chime closed my checking account without any reason or explanation. I have not had access to my account online for over 5 years or more without any explanation or response.
Product: Debt collection

On XX/XX/XXXX, USCB Corporation placed an item on my credit report on the behalf of XXXX College. After multiple disputes, On XX/XX/XXXX, XXXX deleted the debt from USCB Corporation from my credit report, due fraudulence and USCB Corporations failure to verify the debt. On XX/XX/XXXX, I received a letter and yet another itemized invoice that does not included my signature or an original contract from USCB Corporation that states that on XX/XX/XXXX, they will place the item back on my credit report. Despite already being founded as a fraudulent charge, USCB Corporation continues to send me invoices via mail and contact me by phone. This is a direct violation of the Fair Credit Reporting Act.
Product: Bank account or service

In XXXX 2016, I opened a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

I confirmed with Citi on Multiple occasions ( XXXX, XXXX, XXXX ) that I fulfilled all terms of the offer and to expect my bonus. 

Despite meeting all requirements to receive my bonus, the Citibank refused to honor their end of the agreement. I had to file a complaint before they re-evaluated the situation and finally agreed to honor the initial offer. I was told on XXXX XXXX that I would have to wait 60 days to receive the offer. Today is XXXX XXXX and I still have n't received any points into my XXXX XXXX account. 

I filed another complaint earlier this month/late last month because I suspected that Citibank would fail to honor their agreement. This is exactly what happened. I still do n't have the miles promised to me. 

I ask that Citi credit my account immediately. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. 

THE NEW JERSEY CONSUMER FRAUD ACT : If a jury or a court determines that a party has committed an act of consumer fraud, then that party must pay three times ( 3X ) the amount of damages awarded to the other party. ( N.J.S. XXXX )
Product: Checking or savings account

I was stolen from for XXXX dollars of my money from a fraudulent online theft through a XXXX money transfer. My bank account was closed and nothing was done to the thieves. They continue to do business with the assailants. While my bank account money was stolen and my bank account closed.
Product: Debt collection

I asked this company for a debt validation letter, which I have never received. They call me 4 times a day EVERY DAY. They call my work phone twice a day and my cell phone twice a day. They call from a Maryland number but as far as I know, they are not located in Maryland. I have asked them to stop calling my work. This is a violation and they continue to do it. They are harassing me even after I asked them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BANK XXXX details Paid off - Balance - Balance updated - Original balance {$500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed/Never late. 
Status updated XXXX XXXX Original balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX ontact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone number ( XXXX XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT
Product: Checking or savings account

On XX/XX/XXXX I tried to apply for a loan for {$3000.00} with a company call XXXX XXXX I gave them all my info and they sent me a code from Bank of America to verify my account with them and {$2400.00} was posted to my account the next day. They company told me to sent it via cash app so they can make sure about me making payments. The money was sent and I never hear from them again. XX/XX/XXXX I get an overdraft for {$990.00} and Bank of America said I filed 3 claims and they are collecting their money back. So this company went into my account a file 3 fake claims and thats where the {$2400.00} came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I discovered about this XXXX XXXX Credit Card which was charged due to missing payments on my credit report. I have absolutely no clue of any information associated with that credit card as I never applied or even opted for that. I just have 2 active credit cards which are on my report and in good standing. This charge needs to be taken off from my credit report as it is clearly not me. I dont recognize the card number or the account number and whats more suspicious is that there is no phone number stated for that account on Experian to which I can call to. I have already filed dispute with experian which came out to no conclusion and again called their fraud department today to please look further at it as this is not my credit card and is affecting my credit score.
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you in good health. I am writing to express my deep concern and dissatisfaction with the numerous attempts to remove fraudulent items from my credit file, maintained by Credit Bureaus. Despite my persistent efforts to address this issue, these fraudulent entries persist, adversely impacting my financial standing and creditworthiness. 

The fraudulent items in question such as unauthorized accounts, inquiries, or personal information, and they have been erroneously reported on my credit file. I have attached copies of supporting documents to substantiate my claims and provide proof of the fraudulent nature of these entries. 

I have undertaken several steps to rectify this issue : I have diligently submitted disputes through your bureau, providing comprehensive explanations and supporting documentation to contest the fraudulent nature of these entries. 

I have communicated directly with the creditors associated with these fraudulent items, seeking their cooperation in rectifying this matter. Unfortunately, these efforts have not resulted in the removal of these fraudulent entries. 

I have followed the appropriate channels to dispute these inaccuracies numerous times, yet the fraudulent items persist in my credit file. 

The continued presence of these fraudulent items on my credit file has severe implications for my credit score and financial opportunities. It is imperative that this matter is resolved promptly to ensure the accuracy and fairness of my credit file.

I kindly request the following actions to address this issue : Conduct a thorough and comprehensive investigation into the reported fraudulent items, verifying their inaccuracy and fraudulent nature. 

Collaborate with the relevant creditors to promptly remove these fraudulent items from my credit file, restoring its accuracy and integrity. 

Provide me with written confirmation of the removal of these fraudulent items within the specified timeframe from the date of this letter. 

Implement enhanced security measures to prevent the recurrence of fraudulent entries on my credit file, ensuring the protection of my credit information. 

Advise me on any additional steps or information required from my end to expedite this process. 

I understand the critical importance of accurate credit reporting in the financial lives of individuals and trust that your bureau upholds the highest standards of integrity and precision in this regard. 

I request a response to this letter withinthe specified timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and escalate this matter to relevant regulatory authorities. 

I appreciate your immediate attention to this serious matter and your commitment to resolving it to my satisfaction. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, Experian have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : Fair collection & out acct # XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 usc 1681 section 604 a section 2 ; states a consumer reporting agency can not furnish an account with my written instructions 15 USC 1681b no permissible purpose 15 USC 1692B ( 2 ) not state that such consumer owes any debt ; ( 1 ) identify himself, state that he is confirming or correcting location information consumer, which can only be done by through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, such information shall not include specific factual information on a consumers credit record obtained directly XXXX XXXX XXXX saw the violations & removed only being reported on Experian
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report 2 bankruptcies that they claim to have verified but this is not true the vendor they use known as XXXX stated that the bankruptcies were removed due to them not verifying the information. This is my final attempt to get each consumer agency to turn over the proof they have or remove both of these bankruptcies failure to do so this is legal notice needed by the courts to let you know I will be pursuing my claims in court.
Product: Debt collection

XXXX XXXX from Natural Credit Adjusters is contacting an employer indicating he has information on a loan application I submitted. I contacted him at the number provided and he proceeded to inform me it was in fact a debt call. When I advised I was unaware of the debt and requested he submit to me the documents referred to in writing, he started yelling at me that I knew I owed the debt. XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint about multiple inaccurate or unverified accounts on my credit reports. I have sent dispute letters to the credit bureaus. 
XXXX via Certified Mail # XXXX, via certified mail # XXXX, via certified mail # XXXX XXXX XXXX # XXXX certified # XXXX Equifax XXXX XXXX XXXX requesting investigation and method of verification and have not received proper resolution under the Fair Credit Reporting Act ( FCRA ). The disputed accounts remain despite my requests for verification and/or removal. 

Accounts in Dispute XXXX  Issue : Repeated charge-off listings without proper verification. 

XXXX XXXX XXXX : Issue : Inconsistent late-payment reporting and unclear balance history. 

XXXX XXXX XXXX  : Issue : No valid proof of debt or adherence to Fair Debt Collection Practices Act requirements. 

XXXX XXXX XXXX : Issue : Rapid charge-off reporting with no clear documentation to support the delinquency timeline. 

Thank you for your prompt attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not remove a collection from my credit report from Aargon Agncy from a credit union I have never ever heard of. The account does not belong to me and I have contacted XXXX several times to remove this. They have not sent me any information and just leave it reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance XXXX {$300.00}
Product: Credit reporting or other personal consumer reports

I filed a dispute with XXXX over my Federal Student Loans being forgiven under a program I enrolled in for Public Service Loan Forgiveness. I submitted letters from XXXX and Federal Student Aid detailing I had met the requirements for Forgiveness and that the loans would be reported by XXXX as " Paid in Full '' XXXX has gotten one loan correct and are now reporting it as paid in full in good standing. My larger loan is being reported as delinquent and late but closed. This is inaccurate. It should reflect the same language as the smaller Student loan. I have called XXXX who has assured me they never reported my loan to XXXX as delinquent. This needs to be corrected. I have never been late over a 20 year period with my student loans. This has affected my credit score which plummeted XXXX points from exceptional to needs improvement.
Product: Checking or savings account

On XX/XX/XXXX, I submitted a complaint number XXXX regarding a recalled wire transfer of XX/XX/XXXX, from my Citibank account XXXX XXXX to XXXX XXXX XXXX at XXXX XXXXXXXX XXXX account number XXXX. Within few minutes of the transfer, I notified Citibank to cancel the transfer and was informed that a recall would be initiated. After XXXX months of frustration with Citibank I filed complaint number XXXX, Citibank responded in a XX/XX/XXXX letter indicating that " funds are returned at the sole discretion of the beneficiary. If the beneficiary denies debit authority, the beneficiary bank may deny the recall claim. '' Upon my follow up with the beneficiary, he shared with me his account information which confirmed that the XXXX XXXX did indeed debit his account ; however, my account had not been accordingly credited. I called Citibank on XX/XX/XXXX, to share this information and was informed that numerous messages were sent to the XXXX XXXX XXXX without response. In another phone call to Citibank on XX/XX/XXXX, I was assured that the case would be escalated- including a SWFT message to Citibank XXXX to follow up with the XXXX XXXXXXXX XXXX The beneficiary 's bank statement continued to reflect the debit of the XXXX ( XXXX {$5000.00} ) which implied one of two things : ( XXXX ) Citibank is withholding my money ; or ( XXXX ) Citibank was not doing enough to have the XXXX XXXX XXXX  to return the funds. Citibank 's action has caused me severe distress and pain since XX/XX/XXXX. With the proof of debit from the beneficiary 's account, Citibank 's disclosure that I " will need to contact the Beneficiary directly to arrange to have the funds returned to you '' is no longer tenable ; besides, I stand no ground to contact the XXXX XXXX XXXX  for the funds except through Citibank. My faith in Citibank to represent me and defend my interest is at the lowest ebb and it is as though I am being robbed of my money.
Product: Debt collection

On  XXXX   XXXX ,  XXXX , I wrote a letter to  Smith Rouchon  requesting " verification of proof '' that I owed this debt. This medical bill occurred with an accident at my employer site and workers compensation was authorized to pay all my hospital debt. I called this company in  XXXX  and advised them to call my employer  Human Resources department so they may re solve this matter. The debt collector indicated they called but never received the payment. When I contac t Smith Rouchon and   ask for documentation the agency contact there refuse to provide me any information in writing. Per the Fair Debt Collection Practices Ac t, 15 USC 1692g Sec. 809 ( b ), this  is a violation of my rights. I can provide the certified letter with signature of receipt as proof that I attempted to request this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN FAILE TO SEND ME PROF THAT THEY DID INVESTIGATED THE ACCOUNT I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. As this account are Identity theft there failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, IDENTITY THEFT accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting or other personal consumer reports

There are 39 personal information and 12 hard inquiries that dont belong to me and Ive requested validation and verification and they have been ignoring me for 3 months with no response This company keeps allowing creditors to report unauthorized and unverified accounts to my credit report they're also continuing to report an account thats been written off as a tax write off which then its become income and income can not be reported on my credit report as its against the law. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

They are continuing to bring my credit down and using different names to the same company. They are not assisting me as they are stating they have to report these accounts even if theyre not supposed to cause the creditor reported to them and theyre telling me I have to contact them to get it removed but Ive already stated this creditor ignores and hangs up on me everytime I attempt to contact them and address this issue please assist me in any way I can.
Product: Mortgage

i have an insurance claim open for the damage to my property from a storm. i sent XXXX my claim check and the documents they asked for. its been 2 months and i do not have any funds to pay contractors. i need the money asap and when i call becu they have been pushing me around and asking me to submit some document and they didnt accept my doc because it needs to be on a certain letter head and insurance company doesnt know what they are talking about. i tried to escalate, they drop my calls. after spending hours on the phone i dont have any more information other than- a doc on a letter head needs to be submitted. they take weeks to check a doc and get back to me. i have to call and spend 30nmins to understand why they dont accept a doc or what they need and i get the same explanation, i can not delay this process further, i need the funds to repair my house and cenlar the department at becu is not helping.