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

In XXXX, 2021 I got XXXX and requested help with my mortgage with Bank Of America. 
I then realized i did not need the help. I then called in a few days later and cancelled the request and that i will not have any problems with paying. 
I was then told by the bank not to worry about it just keep paying as i have been. 
Well come XX/XX/2021, I applied for a loan with my bank. I was denied and the reason was Bank Of America reported to the credit bureau that i was in forbearance. 
I called Bank Of America and was then told that they were going to remove it. Later that night another person from the bank calls me and claims that they made a mistake and it should of never went to collections. 
Never heard anything from them sense. I tried calling and with no luck to resolve anything. 
Bank Of America has cost me a loan and my job is at risk for having a mark on my credit report. I want a copy of my payment history. you will see i was never late. 
I also want Bank Of America to remove the forbearance immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # # # # # # XXXX, XXXX XXXX Service Account # # # # # # # XXXX, XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I previous wrote all three credit bureaus asking that bankruptcy be removed from my credit report I also wrote XXXX  XXXX bankruptcy court asking do they report to the credit bureau they sent me back a letter stating that they do not report to the credit bureau. Under the FCRA act law this is a violation Im asking for it to be removed immediately
Product: Student loan

I requested a refund of COVID payments on XX/XX/2022. When can I expect the refunded payments to arrive? Is there anyone that can provide a specific estimate instead of a general 120 day estimate? 

This is a significant amount of money and I am concerned at how little information is provided about the refund process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a balance owed on a charged off account
Product: Checking or savings account

On or about XX/XX/2020 I opened a business checking account with PayPal business, I sent an QR code money request to a customer for {$200.00} the customer sent that {$200.00} in addition to another {$950.00} that she owes ; PayPal received the funds and has added the {$200.00} ( minus fees ) to my available balance but has not released the {$950.00}. After a few days I tried reaching them online and the balance wasnt cleared then I tried reaching them by phone. Their phone line takes you through several steps then tells me we cant help you with this over the phone, you have to reach us on the web or PayPal business app ... then the line disconnects ... I tried this a few times as well as trying online, no help has been offered and my money is still not available.
Product: Checking or savings account

Regarding : Unable to open a savings account with XXXX by Goldman Sachs On XX/XX/XXXX I attempted to open a savings account with XXXX online on XXXX. After filling in my personal details the web application failed to pull my personal / credit information from the records and it was declined. 

On XX/XX/XXXX I called XXXX customer service, citing the application number. I was told to try reapplying online. I did what was suggested, trying to apply twice with a slight variation of my apartment number ( both are correct ). Both application were declined. I called customer service on the same day and was told to apply by phone after 24 hours. 

I called customer service again on XX/XX/XXXX and after citing the application number I was told I would be unable to open an account. The customer service rep refused to specify a reason. I escalated to the supervisor, who again refused to state a reason and declined to provide an escalation path.
Product: Checking or savings account

Citibank uses fraudulent techniques to induce customers to sign up for " Priority '' banking packages. 

One of the " perks '' listed is to be able to deposit checks via ATMs. 

Go to : https : //online.citi.com/US/ag/citibank-location-finder There is a specific filter for " Check Deposit ATMs '' There are NO " Check Deposit ATMs '' in the United States XXXX 

So either Citi has a tech bug or they are breaking the law. I contacted the executive office with this concern and after weeks of effort all I got was a " thank you for your feedback '' cut and paste without addressing the issue. My follow ups via encrypted e-mail, which Citi forces you to use, have gone unanswered. My e-mail to the VP of Customer Complaints went unanswered. 

Citi has not offered any solutions to my problems. Currently, my only option is to deposit checks of a certain value by mail. For an " Internet banking product '' this is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a wells fargo credit card. decided I did not want to change with the company I have and called to cancel my application. after speaking with several representatives at wells fargo. they agreed to pull the application and stop the process, it seems there is a hard inquiry on my credit report which affects my score. I am concerned as to why it is listed this way when I have not completed the process and wells fargo agreed to stop the action of checking my credit. I simply want the hard inquiry removed so it will not be a factor in my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian didn't conduct a proper re-investigation according to the FCRA. I've tried to resolve the issues through several phone calls, Faxes, and written documentation through the dispute process and each time after 30 days, there are still inaccurate, incomplete, and erroneous accounts remaining on my credit file. The credit reporting company is defaming my character and refusing to not remove negative items. Their in default and this is the last opportunity to cure and have them exercise their grave responsibility outlined by Congress before legal proceedings.
Product: Checking or savings account

citibank closed my checking giving no reason called repeatedly said i had to wait for a letter there is almost {$18000.00} in the account action started XX/XX/2020 was told letter wont be issued till XXXX XXXX and then will get letter and take it from there no fraud no problems
Product: Credit card or prepaid card

I have an account showing on my credit report for Capitol One. They are working with a law firm and holding account they say i owe 2700 plus dollars to. I have called to dispute this believing that i had made on offer to settle and close this account thinking this was handled in 2016. I have asked for the paperwork on this card to be able to verify that i owe this money and to show the payment i made but they are refusing to send me any documentation regarding this credit card. I dont even know the credit card number. the attorney told me this was a XXXX card and then capitol one said it was a XXXX. I would like to have proof of owing this money and know that this was not a settled account. The highest balance i have ever had on a credit card is XXXX dollars. I would like for your company to make sure they are following the laws and giving me the documentation for all charges and payments.
Product: Credit reporting

There are some unauthorized fraudulent inquiries that are on my credit report and Transunion refused to remove them. My report was improperly shared by Trans Union because I did not authorize these inquiries and I have also contacted each of these companies and they can not prove to me with my original signature and/or documents that these inquiries were authorized by me. This is a fraud act by Transunion as well as the companies accessing my file against my will. 

These are fraudulent inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX I - XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX I request that you remove immediately the following fraudulent inquiries from my credit report : I never authorized any of those inquiries and when I requested proof from the creditor, they were unable to provide me with any proof otherwise ; therefore it is the credit bureaus responsibility to remove them.
Product: Credit card or prepaid card

Capital One has been refusing to remove this illegal account from my consumer reports. Now they have sold this alleged debt to XXXX XXXX XXXX, yet Capital One continues to report this account as if they still own it. They have been illegally trying to collect on a debt that is no longer theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, am filing this dispute for my self. I have reviewed my credit report and am aware that my consumer rights have been violated. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX-account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent.
Product: Credit card or prepaid card

I opened a navy federal account in 2019 I never used the card and was the victim of identity fraud. I disputed the over {$15000.00} in charges with them and have yet to be able to resolve this issue. 

I have only used my card for {$3000.00} in charges in which i paid in full. I don't what else to do to get this resolved. I am hoping you will be able to assist me in resolving this card issues.
Product: Debt collection

Hi, I have reached out to National Credit Adjustors on numerous occassions and requesting validation of my debt but they fail to produce any documents for the same but keep reporting it on my Credit report. They are highly unprofessional and extremly unhelpful. 
Below are the key details for this debt : 1. Amount owe : {$300.00} 2. Dates reached to NCA : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
3. XXXX  # XXXX. 

They keep saying they requested the document but its almost an year and they are not able to provide any documents. This need to fall off my credit report ASAP. Also, i am not sure but even if this debt is true which i highly doubt this is beyond the statue of limitation and can't be persued for by this collection agency.
Product: Credit card or prepaid card

I applied for a bank of American travel rewards card and my application was turned down and a credit was pulled and I received a letter from Bank of America and it said it because I had a existing account with them and it was revoked and I called Bank of America and spoke to a credit rep and she told me to reapply and I did many times and I keep getting declined for the same reason but I had another credit card with Bank of America and it was closed due to lots of fake payments had been made I didnt make these large amount of payments at all and those checking accounts dont belong to me and I had my wallet and my cell phone stolen back in 2017 of XXXX and I didnt make those large payments to my Bank of America account ending XXXX and Im asking Bank of America to open up a fraud case where are those fake payments are coming from that cause them to end there relationship with me .... I did pay off my Bank of America card in full with a loan and today I still cant get a credit card with Bank of America it been revoked ...
Product: Credit reporting or other personal consumer reports

I looked back on my report on XX/XX/2024, and noticed my personal information was incorrect. I have multiple variations of my first name and last name and my address. I have attachments that will show inconsistent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Experian. Experian then said that all of the accounts that I am disputing are 100 % verified and accurate. I would like to receive the description of their investigation in accordance with 15 USC 1681i ( 7 ). I ask because after completing my own investigation of the negative accounts I listed below, they are not 100 % accurate. The open date, date last active, High Credit, XXXX XXXX, and date of last payment are not 100 % across all XXXX XXXX XXXX XXXX. XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Experian did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). I attached an updated consumer report as evidence
Product: Student loan

In XXXX I got a XXXX loan for a XXXX XXXX XXXX XXXX in XXXX Texas called XXXX XXXX XXXX XXXX. I graduated in XXXX and started paying for loan it went into default XX/XX/XXXX. My income taxes were garnished in XXXX and I found out that the loan was paid in full on XX/XX/XXXX. My income tax wages were then continued to be garnished until XXXX. I filed a complaint on my FAFSA account and it was dismissed and closed out the closed case # is XXXX. No one wants to take accountability for this major financial hardship this has caused me financial distress.
Product: Checking or savings account

Bank of America has release my bank records going back to XXXX to XXXX XXXX   XXXX these records are more than 10 yrs old and should not be on my record I was advised by XXXX XXXX XXXX that account would be closed after 5 yrs on XX/XX/XXXX which did not happen only to be told that they have the options to delete the record after 5 yrs or 7 yrs per their guides I request that Bank of America provide me with their criteria for hold accounts for 5 yrs or 7 yrs and a methods used to do this. This account is still open on XXXX XXXX XXXX with inaccurate information. My purse along with my checkbook was stolen and have the unauthorized transaction on this account as a victim of identity theft this should not continue to affect my life any longer
Product: Credit reporting, credit repair services, or other personal consumer reports

Affected by Natural or Declared Disaster ( e.g. COVID-19 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Date Opened XX/XX/2019 Balance {$17000.00}. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached : XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3700.00}. Please update.
Product: Debt collection

I was sent a bill for XXXX dollars from XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I never owed them any money. When I left XXXX XXXX because they refused a small loan I was given this outrageous bill. My account may have been overdrawn by XXXX or XXXX dollars however they are exaggerating this to thousand and more. Not only that XXXX XXXX XXXX XXXX signed a contract that they would not do anything negatively to my credit however I am now being threatened by this company and they are stalking me. After trying to go online to XXXX XXXX website recently to resolve a small overdraft I was immediately called by a debt collector and began receiving mail from them. I did not give them my phone number or address. I am now being stalked by a credit repair union over a small overdraft that is exaggerated to over a XXXX  dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting without My person 's consent. 
Transunion is allowing fraudulent negative information to adversely affect my person 's credit standing. 
I XXXX XXXX, Last four ending in XXXX, believe that ALL public debts are obligations of the United States as stated in 18 USC 8, 31 USC 3123 and 31 USC 5118. 
If any debt can not be verified under the penalties of perjury by an agent or Principal of a corporation, it must be removed from a person 's consumer report. 
Consumer reporting agencies rarely achieve this level of validation. 
Therefore, agreements established fraudulently must not negatively affect a consumer 's report once identified by the consumer as such. 
Truth in Lending is self explanatory. 

AFFIDAVIT OF TRUTH I, XXXX XXXX, do solemnly affirm and state under penalty of perjury that the following information is true and correct to the best of my knowledge and belief : I am fully aware of the importance of consumer privacy rights and the laws that govern the collection, use, and disclosure of personal information. As a consumer, I have the right to control how my personal information is collected, used, and shared by companies and organizations. 
One of the key principles of consumer privacy is the concept of " permissible purpose. '' This means that companies and organizations may only collect, use, or disclose my personal information for a specific and legitimate purpose, such as to provide me with a product or service that I have requested or to comply with legal obligations. 
I understand that companies must obtain my written consent before collecting, using, or sharing my personal information for any purpose other than those permitted by law. This means that companies must provide me with a clear and understandable explanation of how my information will be used, and I must be given the opportunity to opt-out of such uses. 
I further understand that I have the right to access, correct, and delete my personal information held by companies or organizations. This means that I can request that companies provide me with a copy of my personal information, update any inaccuracies, and delete my information from their records. 
I am fully committed to protecting my privacy rights and will take all necessary steps to ensure that my personal information is used only for the purposes for which it was collected, with my written consent and in compliance with applicable laws. 
I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 

By : XXXX XXXX, Beneficiary Date : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have inaccurate information on my credit report that was not me. There is Bankruptcy XXXX  XXXX from XXXX showing. My information was incorrect. Or stolen. There are inquiries for several different vehicle loans that I did not do or have gotten. Those inquiries are fairly new from this year XXXX. I have over 80 inquires within the last 90 days making my score go down. I also have collections that was paid that should not being showing still on my report. I have not done these things to be reflecting on my report. I am looking to see how these can be removed from my report. It has effectively stopped me from getting things I need in my life.