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

XX/XX/2023 in branch XXXX XXXX, assistant VP private client banker assisted me with a credit card reconsideration. XXXX XXXX contacted his support team & stated the reconsideration would not hit my credit as it was just run 5 days prior with no reason for a " Hard inquiry '' on a {$2000.00} card where I bank. XXXX XXXX advised me and I escalated the issue with chase executive office resulting in a XXXX call with myself & credit bureau who required a report to confirm my dispute. The branch confirmed & provided a report at least three times involving the branch mgr. XXXX XXXX XXXX In addition to my calls and multiple emails, multiple emails and calls from the branch to their executive office requesting the removal from my credit report & asking what needs to be done to remove the hard inquires to date there is no resolution. The branch acknowledges XXXX XXXX being advised by chase support and telling me this would not be on my credit report. In addition to branch mgr. XXXX XXXX also being told by her support team she left me a msg which i still have stating the inquires would be removed in 3 months. 9 months later and despite all of the branch communication supporting my claim and the promise of removal of the inquiries from my credit report, chase executive office is refusing. Chase support team advised their VP client banker who relayed info to me about credit reporting. I have been waiting over a year with no resolution. if I can't trust what a chase VP client baker tells me while sitting there listening to the conversation with his support team and the branch standing behind me then who at chase do I trust and who is accountable?
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for failing to correct inaccurate information on my credit report despite multiple disputes. Their negligence in upholding the Fair Credit Reporting Act ( FCRA ) has resulted in significant emotional and financial hardship. 

Despite submitting disputes on XX/XX/scrub>XXXX XXXX XXXX XXXX All the creditors ands collection agency I mentioned failed to conduct a reasonable investigation and instead verified false information without reliable proof. This has resulted in : Significant Damage to My Credit Score, limiting access to affordable credit. 
Financial Hardship, due to higher interest rates and loan denials.

Emotional Distress, from repeated failed attempts to resolve this matter.
Product: Debt collection

Made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. on XX/XX/2018, I submitted a complaint to the CFPB asking MIDWEST RECOVERY SYSTEMS to VALIDATE a debt that they alleged I owed. At that time I respectfully requested that MIDWEST RECOVERY SYSTEMS provide me with competent evidence that I have any legal obligation to pay them seeing as I had never heard of them, had no written contract with them and had never received any benefits from them, yet MIDWEST RECOVERY SYSTEMS had submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and was demanding payment from me in the amount of {$410.00}. They responded to my complaint but made it very clear that I did not have any financial obligation to them in their response that stated " Additionally, a validation request has been submitted to our client. Once they have provided the requested documentation, it will be forwarded to you at the address provided in this complaint. '' I did not request for validation from their " client. '' I requested that MIDWEST RECOVERY SYSTEMS provide me with competent evidence that I have any legal obligation to pay them ( MIDWEST RECOVERY SYSTEMS ).
Product: Credit card or prepaid card

I tried to use my Home Depot credit card on XXXX XX/XX/2020, but it was declined. The account has an {$8800.00} credit limit, and there is no outstanding balance on it. 

I called XXXX at XXXX XXXX  and used the last four digits of my social security number to access my account. After making the appropriate selection in the phone prompts, my call was answered by someone in Citibank 's probate department. 

I explained to the man on the phone that I was not dead. He transferred me to the internal recovery department. The internal recovery department did not provide me with any information, and would not answer any questions. The woman I spoke with told me I have to call back tomorrow ( XXXX XX/XX/2020 XXXX and speak with the probate department. 

I am not dead. I also do not owe anything to Home Depot or Citibank as I paid my bill in full in XXXX of 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQuifax, XXXX, and XXXX failed to comply with thirty day notice. Reporting inaccurate information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX [ XX/XX/24 ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charged Off Account Dear XXXX Consumer Relations, I am writing to dispute the charged off account appearing on my credit report under the account number [ Account Number ]. After reviewing my credit report, I have identified discrepancies in the reporting of this account that I believe are inaccurate and require immediate rectification. 

Specifically, I dispute the accuracy of the information regarding the charged off account with your organization. I request for the following inaccuracies to be investigated and corrected promptly : XXXX. XXXX bank is reporting an account that does not belong to me. My correct name is not even on the account. I have even provided the police report as well and they yet to remove the inaccurate information. 

I demand that XXXX conduct a thorough investigation into the reporting of this account and provide me with a detailed explanation of the inaccuracies identified. I also request that the account be corrected or removed from my credit report in accordance with the Fair Credit Reporting Act. 

I urge XXXX to take immediate action to rectify this error and update my credit report accordingly. As a responsible consumer, I value the accuracy and integrity of my credit information. 

Please provide me with a written response acknowledging the receipt of this dispute letter and the steps being taken to investigate and rectify the inaccuracies outlined above. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was planning on closing my PNC bank account as I had no need for it anymore. I held the amount needed to maintain the account without fees. I transferred the fees from the account with the intention of secure messaging them once the transfer processed. The transfer took extra time to appear in the account I chose ( likely due to the XXXX  holiday weekend ), but I was assessed a monthly fee ( around 25 dollars ) on my PNC account within 7 days of removing the funds from my account. I reached out to them via secure message asking to close my account, and informing them of the situation. They refused to refund the fee multiple times, and I am now being forced to call them and likely go through the same responses to a customer service representative. I can not close the account until I resolve this fee. Had there been any direction on their website regarding how to close the account ( there is not ), I would have followed it.
Product: Checking or savings account

I disputed the charge wit key bank twice they gave the money back twice and took it again after they told me to shut my account down and make a new one to solve the problem! I have XXXX kids and aint working they took my last i Just want it back
Product: Mortgage

I closed on my house XX/XX/2019. I have been calling my mortgage servicing company Roundpoint ... for 3 WEEKS asking about my escrow account. I have requested they stop payment on the check ... .they say they mailed ... .so they can't issue a new one. They kept telling me we can't do that until XXXX XXXX ... ..now today they are telling me that they can't do anything for another 2 - 3 weeks. This is stupid ... ..they were given the new address to mail this to on XXXX XXXX ... and I requested then that they cancel the check they had cut ... .because they weren't going to mail it until the XXXX ... .they said they couldn't and just the forwarding process clear it up. I requested again that they just cut a new check with the new address and stop payment on the old one even if it would take an extra week to do it. They said couldn't do it. Today I requested PROOF that they even mailed the check. They said they didn't have proof it was mailed on XX/XX/XXXX ... how do I even know they mailed it??? So banks have all the power in the world to XXXX people over by just saying they mailed something but with no proof? Do I have the same rights to tell a mortgage company I mailed a check and they wouldn't be able to do anything to me or my credit? THIS IS PLAIN STUPID THAT THEY CAN KEEP PUTTING ME OFF AND NOT PAY ME. Today is XX/XX/XXXX I have waited the time they requested ... they should cut me a new check and overnight it to me. I doubt they ever sent the first one ... .even the post office is not this bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XX/XX/XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX INQUIRY : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX  XXXX XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY:XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRY:XXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXX 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 an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, On XX/XX/2017 my wife was browsing online and opened a website for eye cream but immediately exited when a small window popped up listing a " monthly program ''. Subsequently we were surprised when our Dividend Citi Mastercard statement arrived showing a monthly billing program for something for which my wife had not checked. The first two charges were listed as the following : XX/XX/XXXX XXXX  XXXX Ca for {$89.00} and XX/XX/XXXX XXXX XXXX XXXX CA for {$89.00}. 

Upon receiving this statement we called Citi Card which opened an investigation and then made our conditional credit permanent. We also cancelled that Dividend Citi card and received a new one to break any merchant charging chain ( advice of Citi ), We then cancelled the Merchant ( receiving an e-mail receipt ) for redundancy.

But then the real problems started with Citi starting again to do monthly charges for the program for which we neither had signed up for nor received anything and then added late fees and interests. We continued to pay promptly all of charges excepting out the fraudulent monthly billing which soon ran over {$1100.00} and for which we spent many hours on the phone in sheer frustration with Citi customer service. 

We were fortunate that our PA Attorney General 's office had a fine agent XXXX XXXX XXXX help with our case ( XXXX ) but now she has done all that she can and Citi continues to run the clock even though we cancelled that card and our other Citi Driver 's Edge card ( used for 23 years ). Her contacts are XXXX and XXXX XXXX. 

Upon reviewing ConsumerAffairs.com we realize that many other Citi complaints are based on Citi " holding a billing dispute open for many months '' while continuing to accrue a compilation of fees and interests. 

Thank you for your consideration. .XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX and XXXX and landline XXXX XXXX and international cell ( not always the best clarity ) XXXX XXXX. 

We have a file of correspondence over a half inch thick and have spent many, many hours on phone calls with Citi Customer Service to get nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the Apple XXXX has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/year> ) Account # XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/year> ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report.
Product: Payday loan, title loan, or personal loan

I received a threatening letter from XXXX XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX Phone ( XXXX ) XXXX. This law firm is claiming to be a debt collector trying to collect a debt that monies are owed to Collins Asset Group , LLC. I responded to the law firm asking for the XXXX XXXX XXXX to send me the name and address of the original creditor and if I do not respond by XX/XX/XXXX the law firm will sue me. I responded/disputed to XXXX letter XXXX choosing " I want you to send me the name and address of the original creditor. '' On XX/XX/XXXX, I received another letter from XXXX XXXX Firm stating that they have advised their client ( Collins Asset Group , LLC ) to update the matter as disputed. 

I believe this loan was fraudulently made using my name. I did not receive an amount of {$7400.00} into the XXXX account because I did not bank with XXXX in XXXX. I did not sign a contract by XXXX Bank- the loan agreement shows a XXXX signature and this is not my signature. The signature looks to be forged or digitized. The loan agreement shows 15 pages but I only received 11 pages from this law firm.

I reviewed my bank statements and personal information and do not have any deposits into any accounts of the amount {$7400.00}. The paperwork I received from XXXX XXXX XXXX ( document labeled XXXX XXXX ) sent the document with pages 12-15 missing.
Product: Credit card or prepaid card

Ive filed a complaint with Bank of America about force a close account when it was there fault scam customer because Ive reported them to you guys they now threaten shut down my credit card Ive never miss a single payment always pay on time had it for several years Bank of America says since I term them in there now force shut down my credit card this will lead to a law suit if I continue be taken adavantage of I will hire lawyer start legal court case against Bank of America there not even close my regular checking account that was suppose to be closed XX/XX/XXXX Im looking into take legal action now your not doing anything about this Ive save everything to show Bank of America is fully at fault with calls messages text emails they claim they dont do if it take court to tell bank there in the wrong then let it be that way Ive never miss a payment for them to do such. Thing because I turn them in is absolutely unacceptable
Product: Prepaid card

REF : Blackhawk Case number XXXX I purchased nine prepaid Visa  debit cards on XX/XX/year> at XXXX with a value of {$200.00} each. These cards are issued by XXXX and distributed and serviced by Blackhawk Network California Inc. 

I registered the cards online in the provided manner in order to make online purchases. On XX/XX/year> I then attempted to make online purchases with multiple of the cards, and each time the purchase was declined. On XX/XX/year> I contacted the customer service phone number on the card, XXXX. The agent informed me that the cards were locked " for my own safety '' as part of routine fraud prevention. The agent refused to unlock the cards and told me he could mail me replacement cards in 7-10 days or provide virtual cards via email in 24-48 hours. I requested virtual cards and we went through a lengthy process to complete the request. 

I did not receive the promised virtual cards within 48 hours, so on XX/XX/year> I again contacted the customer service phone number. At this time I was told that no such request for virtual cards had been made. I was furthermore told this was not possible, then the agent changed his mind and entered the request. 

On XX/XX/year> I did receive the virtual cards, so still outside 48 hours of the 2nd phone call about virtual cards. However, I am unable to access the virtual cards as the given weblink yields an error " We apologize. We have identified an error on our side. Please contact customer service at XXXX. '' On XX/XX/year> I contacted the latest phone number. At first the agent blamed IT issues the provider was having. Then he told me I needed to try different combinations of browsers and devices. I tried those while on the line and still could not access the cards. He then said he was entering a request for escalation. I informed him that I expected a resolution within 24 hours, which he agreed to. 

On XX/XX/year> I received an email that they were still working on a resolution, or could mail me physical replacement cards in 7-10 business days. I politely replied that this was a ridiculous request given I started with physical cards which Blackhawk elected to lock and that they could either deliver working virtual cards that day as promised, or overnight me physical cards to arrive within 24 hours.

Blackhawk network did not respond to this email within 24 hours. 

On XX/XX/year>, I received an email from Blackhawk network stating that the virtual cards " should work '' and to try again, with the same instructions as before about what browsers to use. I had already done this but decided to try again and got the same result, " We apologize. We have identified an error on our side. Please contact customer service at XXXX. '' Blackhawk Network is holding hostage {$1800.00} of my funds ( nine cards with a value of {$200.00} each ) and has been obstinate about fixing this issue.
Product: Checking or savings account

Opened an account with TD bank and I noticed i was been charged a service fee of {$10.00} that i shouldn't have been charged. i notified td and they told me they were going to fix it, This was 3 three years ago. I have called several time to get this issue resolved and they say the same thing we are going to fix it. I went to the branch in XXXX and they lady told me to go to the branch that i opened the account, that she can't do anything. i called to file a complaint and the lady on the phone placed me on old and hanged up. I finally got to speak to XXXX on XX/XX/2019 at XXXX and she said its not the banks fault and that she couldn't do anything about crediting me back my fees but she was going to fix it and get back to me. I told her that that was what the last person i spoke to said in XX/XX/XXXX of this year. it was funny when she told me that she was the one i spoke to back in XX/XX/XXXX, and she was not sure why the issue was not fixed, and that she will look into it.
Product: Credit reporting or other personal consumer reports

I am writing to a formal complaint regarding the false and misleading information that remains on my credit report. 

-- -- -XXXX -- -- - XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX -- -- -Experian -- -- - XXXXXXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX -- -- - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Checking or savings account

Checking and Savings account closed sometime ago. Just received a notification that checking was charged off for a {$130.00} that was XXXX out over a month ago as I was informed. the savings account never received a deposit of any kind and was supposed to be closed shortly after opening
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

This Debt was paid the creditor was paid in full through last bill.