23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX BANK XXXX {$1600.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX  ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph XXXX XXXX XXXX and before the end of the period referred to in paragraph ( XXXX ) XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard Inquiry from XXXX XXXX aka XXXX that is on my reported XXXX told me they would do a soft Inquiry for a credit line increase but they processed a hard Inquiry I contacted them about this they stated they would inform Equifax to remove it it would take 30-60 days that was back in XX/XX/XXXX up until this day it has not been removed and equifax refuses to remove it I will attach documentation and proof There is also another unauthorized Inquiry on my equifax file from XXXX XXXX  aka XXXX that should not be on there I have no account with this creditor
Product: Credit reporting or other personal consumer reports

In XXXX, I requested a credit report. When I received the report, I noticed credit inquires for Citibank, XXXX XXXX and XXXX falsely in my name. I have never requested any cards or products if Citibank, XXXX XXXX or XXXX. Ive contacted XXXX and Ive followed through with the process. 

Currently it is XXXX, and the inquires or request for these cards are still on my credit report. Divulging deeper, I took into account a specific address XXXX, GA address that appeared on the XXXX and XXXX credit report. That address does not belong to me. Recently XX/XX/XXXX an associate from XXXX expressed to me that the XXXX, GA address has been flagged in various fraud cases. 

Another case of XXXX, is from the company XXXX XXXX in which I have no association with and do not recognize. Ive noticed an approximate {$500.00} loan was applied for. Again, this is not my identity. Also noticed that no payment has ever occurred. 

I REACHED OUT TO XXXX AND THEY STATED THEY DO NOT HAVE ME ON RECORD, but the dispute was returned as stay the same.. which gives untruthfulness. 

As mentioned before I did not apply for any products/ services from these companies/banks ( CITIBANK, XXXX  XXXX or XXXX XXXX ) in the last 2-3 years. It is fraud. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not provided any written instructions to allow any Consumer Reporting Agency ; XXXX, Equifax, or XXXX, to release my consumer report and according to 15 U.S. Code 1681b this is a direct violation of the law and falls under the category of 15 U.S. Code 1681c1.

I request that the information be removed from my credit report for the following accounts and amounts listed below based on the Codes afore mentioned. 

XXXX : XXXX XXXX reporting a Collection whom I never had any account with is reporting an amount of {$1100.00} debt was discharged by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting ( 2 ) late payments XXXX reporting without my consent XXXX : XXXX XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXXXXXX XXXX XXXXXXXX Account number XXXX Closed XX/XX/XXXX still reporting without my consent. 

XXXX XXXX XXXX Account number XXXX. Close Account still reporting without my consent. 

XXXX XXXX XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX Still reporting without my consent. 

XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX Account number XXXX XXXX without my consent. 

My address information is incorrect and should only show XXXXXXXX XXXX XXXX XXXX Ohio XXXX any other address needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute of Negative XXXX XXXX Due to Late Payment Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute a negative XXXX XXXX entry on my credit report, specifically related to a late payment that occurred due to a technical issue. I kindly request your assistance in investigating and rectifying this matter. 

Account Information : Creditor : XXXX XXXX XXXXXXXX XXXX of Late Payment : XX/XX/22 Explanation of the Situation : On the date, I encountered an unexpected technical issue that caused a delay in the processing of my payment to XXXX  XXXX XXXX I have been a responsible and punctual customer with an otherwise exemplary payment history, as can be seen from my credit report. However, due to this isolated incident, my XXXX XXXX has been negatively impacted. 

XXXX Attempts : Upon realizing the issue, I immediately contacted the customer support department XXXX XXXX XXXX XXXXXXXX to explain the situation and rectify the matter. They acknowledged the technical glitch and expressed their apologies for any inconvenience caused. Furthermore, they assured me that the late payment would be adjusted, and the negative impact on my credit score would be reversed. However, despite their assurance, I noticed that the negative entry remains on my credit report. 

Supporting Documentation : To support my claim, I have attached copies of relevant documents, including correspondence with XXXX  XXXX XXXX regarding the technical issue and their promise to rectify the situation. Additionally, I have included any other relevant documentation related to my account and payment history. 

Request for Investigation and Correction : I kindly request that you conduct a thorough investigation into this matter and make the necessary corrections to my credit report. As an individual committed to maintaining a strong credit history, this negative entry inaccurately reflects my financial responsibility. I trust in the integrity of your bureau to rectify any errors and ensure the accuracy of my credit report. 

Conclusion : I would appreciate your prompt attention to this matter and a timely response regarding the progress of the investigation. Please inform me of the steps taken and provide an estimated timeline for the resolution. If additional information is required from my end, please do not hesitate to contact me. 

Thank you for your understanding and cooperation. I look forward to a swift resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I was a victim of a Ponzi Scheme through my investment of XXXX which shares were purchased through the webull platform. There is an extremely complex level of facts for this case which is explained in my statement of facts. Not only was I a victim of a Ponzi Scheme I was put in a situation where it wouldve been illegal for me to sell my shares. In order for the XXXX to fully comprehend my complaint, he must call me. My losses were XXXX by this Ponzi Scheme and Citibank is not protecting their customers.
Product: Checking or savings account

I started a XXXX XXXX XXXX I signed up for square, after a month of using them for payment processing and not even a single charge back or any other problem I got an email that they want to manually verify my account, I called them up and I spoke to XXXX from Square Account Services and provided all the documentation and she said that all the documentation look fine, but then I got an email that my account was suspended and they're holding my money for 90 days without any explanation why or way to correct it, furthermore they did not reply to my emails and I can't call anyone because they took away my account pin required to call in, they are currently holding {$510.00}
Product: Checking or savings account

I opened a BMO relationship checking account on XX/XX/XXXX and this is the first time I've dealt with XXXX XXXX service charge policies. 

On XX/XX/XXXX, my BMO statement posted, and my account was hit with a {$25.00} service charge for insufficient minimum daily balance < {$10000.00} ( balance was {$9200.00} ). To rectify this, I called customer service immediately to get the charge removed and immediately transferred in {$800.00} to get my balance above {$10000.00} ( balance was {$10000.00} ) so that I wouldn't be charged on the next statement. 

On XX/XX/XXXX, I was charged again {$25.00} for insufficient daily balance. On XX/XX/XXXX, I called BMO customer service. Apparently, my account didn't meet the minimum daily balance requirements because the funds I transferred took 2 days to hit the account. For 2 days, my account didn't meet the minimum balance requirement of {$10000.00}. That means from notice of service charge, BMO gives me less than 1 business day to correct my insufficient balance. Otherwise, I am hit with another service charge. This is unreasonable as I put forth my best effort to rectify my account balance to avoid the service charge in the first place. 

I spoke with BMO customer service over the phone, over chat, and in person at a bank branch. Every time, I am met with complete indifference to reversing the service charge. They refuse to hear me out as a customer and use their arcane policy to collect unreasonable fees from the backs of their customers. 

If anything comes of this CPFB complaint, I hope at least it gives BMO fair warning that they can not take advantage of their customers. 

Thank you, XXXX
Product: Debt collection

This debt collecting agency reported this debt to XXXX credit bureau and the debt was deleted per violating the FCRA as well as I did not owe this company. They have now reported this debt to another credit bureau without any legal rights to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I mailed a certified dispute letter to FST FEDERAL CREDIT & COL and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX complaints on XXXX  they also have over XXXX complaints with the CFPB. The FST FEDERAL CREDIT & CO failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Product: Credit card or prepaid card

Comenity Bank, which services my credit card from Caesars rewards is not available on website by telephone or any of the normal methods available to see your statement balance to pay your balance or anything. The site has been down since XX/XX/XXXX and they know and are aware of this problem. However I am unable to see if there are any fraudulent charges or balance or if any payments have been properly applied. This is unacceptable. I am not using this card until I am able to see my account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Experian, XXXX, and XXXX, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on Experian, XXXX, and XXXX  since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that Experian, XXXX, and XXXX  go back into my past disputes, and Remove the unauthorized inquiries from my credit report ASAP.
Product: Debt collection

When my ex and I broke in 2012 up She was working for XXXX XXXX  in sales And she had purchased a vacuum with out my knowledge or consent She had stolen all my information and Had forged my signature I have filed a police report I have tried contacting the creditor And I have tried to disputing through XXXX XXXX The creditor had sent back a copy of the contract the signature on the contract is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$370.00} XXXX  XXXX {$46000.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$6800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

I have a medical debt that is XXXX and all 3 credit reporting agencies XXXX, Experian and XXXX all stated and show on their websites that medical debt under {$500.00} will no longer be reported yet they will not delete this bill that is in collection and under XXXX as of XX/XX/XXXX XXXXThey all state this debt shouldn't be reported after XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite 5 previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( XXXX ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting

my new telephone number is XXXX and equifax refuses to update it and creditors have denied me based off the inaccurate fraud number they have i can not provide a phone bill because i have a prepaid account with no bill. my ssn XXXX dob XXXX/XXXX/1976 address XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX I NEED MY NEW NUMBER LISTED ABOVE UPDATED ASAP
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : These hard inquiries are fraudulent and do not belong to me. 

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 XXXXXXXXXX/XX/XXXX
Product: Mortgage

We had an offer on our house and requested payoff from DiTech on XXXX XXXX, 2015. DiTech advised us that there would be a 5 day waiting period but it has been 11 days and every time we call they tell us the request is past due but being looked at. They will not tell us the problem only that there is something wrong on the back end. We have requested payoff in the past with no issues. Now the buyer ( who has cash ) is getting worried and is starting to want to back out. I do not want to lose this offer but we are at our wits end with the mortgage company. I have spoken with numerous supervisors but no one will give me a straight answer but do offer to call back. No Calls.
Product: Checking or savings account

Huntington charged me junk feeds. I would like money back from XXXX mill fee illegal fees for overdraft. Also account switched to keep min balance I never okayed so then was being billed $ XXXX monthly fee for not keeping min balance I NEVER OKAYED OR SWITCHED AFTER BEING XXXX  CUSTOMER OVER 10 years. I would never.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to report a concerning situation involving potential fraud or identity theft related to an Aspire credit card account that I do not recognize. 

On multiple occasions, I have received text messages from XXXX stating : " Aspire Alert : You Aspire Credit Card payment of {$60.00} was due on XX/XX/25. Immediate response needed. '' The message instructs me to call XXXX, which appears to be associated with Aspire Credit Card. However, when I call, I am immediately prompted to enter my full Social Security Number before being able to speak to a representative. 

I have never applied for, nor do I have, an Aspire credit card. This raises serious concerns that either : Someone mistakenly linked my phone number to their account, or An account was fraudulently opened in my name without my knowledge. 
I am unwilling to provide my Social Security Number over the phone to verify this claim, as it could be a phishing attempt. 

I am requesting that Aspire and any relevant regulatory bodies investigate this issue to determine whether : This is a fraudulent or mistaken account in my name. 
My personal information has been compromised. 
Aspires customer service practices are exposing consumers to unnecessary fraud risks by requesting full SSNs over the phone.
Product: Credit reporting or other personal consumer reports

I am reaching out to file a complaint on Experian, XXXX and XXXX about items on my consumer report that, by law, should not be reported. These institutions are currently reporting items, and I would like to address it. On XX/XX/XXXX and XX/XX/XXXX, these companies reported a transaction as late. Per 15 USC 1681a, the law states ( 2 ) Exclusions : Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports containing information solely as to transactions or experiences between the consumer and the person making the report. This means that my transactions or experiences with your company are excluded by law from my consumer report. I am requesting that this transaction or experience be deleted. By law, it is not required to report late payments and I am asking that XXXX, XXXX and Experian cite the specific law that requires them to report a transaction as a late payment. The only potential law that addresses late payments is **15 U.S. Code 1666b - Timing of Payments : ** ( a ) Time to Make Payments : ** A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by **Section 1637 ( b ) ** of this title, is mailed or delivered to the consumer at least 21 days before the payment due date. I am requesting that Experian, XXXX and XXXX provide the tracking number for the periodic statement that was mailed or delivered 21 days before my payment due date, along with all the information required under Section 1637 ( b ). If they are unable to provide that information, this is a violation per the FCRA. Furthermore, I have attached documentation from XXXX confirming that they have sent a letter to the three bureaus to update the 30 days late payment on XX/XX/XXXX. They did not remove this late payment and update the payment history to reflect paid on time. I have attached the letter as well as an identification affidavit, drivers license, social security card and a utility bill in which all were mailed. I am formally requesting the deletion of all transactions marked as late on my consumer reports.