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

I opened a basic checking account with Citi bank around XXXX transferred money from my XXXX account to Citi bank XXXX $ all together. When I tried to login my mobile app for Citi bank all of a sudden it said password wrong when I know it wasnt. I called the first time Citi bank to explain they said about XXXX months ago I will receive a letter in the mail with a confirmation number on it but never received it. Called again they kept saying it should be in anytime but still nothing and tried a third time and they just gave me a run around acting as if I should still wait for the mail never received anything and my money has been stuck with them when I needed it. I would like to please get help just getting my money out and closing my account with them.
Product: Debt collection

I checked my credit report and show DIVERSIFIED ADJ SVC the account was received from XXXX XXXX XXXXXXXX XXXX XXXX I have not been picked up in any emergency vehicle and by me being in the military I am covered by my insurance. I called the company to see why it was on my credit report, when I verified my name and birthday, they were unable to find me. They said they find an account but had a different birthday. Come to find out the information they have is my name with a different birthday. I informed them I was not picked up by any emergency services nor was I hospitalized on or around the date they have. They asked me to verify my birthday again and I was then informed to contact the Credit Bureau and have it removed. When I made the disputes, it keeps saying account is verified. I don't understand how because the person that was hospitalized was my mother-in-law, we had the same address at that time. I believe the company don't want to remove it because my mother-in-law has since passed away and they are trying to make me responsible for her debt.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Accounts XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$75.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; Medical XXXXBalance : {$75.00}.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and concern regarding the ongoing issue of fraudulent items on my account. Despite this previous attempts to resolve this matter, the fraudulent items remain unaddressed. Please prioritize the removal of these items from my account and take necessary measures to prevent such incidents in the future. I would appreciate your prompt attention to this matter. These are the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/18 I sent out a certified letter to XXXX XXXX XXXX a collection agency who purchased my account with Capital One Auto Finance to dispute the account on my credit file. XXXX XXXX XXXX recieved and signed for the letter onXX/XX/18 XXXX XXXX XXXX failed to respond to my letter. So I sent out a certified letter to XXXX XX/XX/18 proving I tried to dispute the account XXXX  received and signed for the letter XX/XX/18. XXXX did their investigation and updated : data updates, data closed, and the remarks state : disp invg comp-report by grntr ; >unpaid balance charged off<. This has caused my credit to drop 19 pts because of wrong updating nor did they provide me proof of how the account was verified when the letter I sent specifically asked then to provide with proof as to who they spoke with and how they verified the account as accurate. XXXX XXXX XXXX is no longer on my report but Capital One is when XXXX XXXX XXXX bought the account. How is Capital One still reporting on my credit file as an active charged off account? This erroneous reporting has not only caused my credit rating to drop, but XXXX XXXX XXXX is still calling me asking me to set up payment arrangements.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 XXXX XXXX XXXX
Product: Credit reporting

I 've sent a valid police report several times to Equifax and they refuse to remove the fraudulent accounts on my credit report. they keep telling me they will not remove anything and that they are contacting the creditors. They automatically keep saying the accounts are valid and will not provide any proof these are vaild. They are indeed not valid!!! I am a XXXX veteran and Equifax is refusing to take any action to correct this situation of ID theft!! I want Equifax to remove these fraud accounts asap!!! Included in the most recent police report are all the fraud accounts listed. I 've been disputing these items for several months now with no avail!! not even with a police report will Equifax do anything!!
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 # XXXX Account name : CAPITAL XXXX # XXXX Account name : CURRENT # XXXX Account name : XXXX XXXX # 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 report agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer agency may make any consumer report containing any of the following items of information any other adverse items 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

Collection Agency Cavalry Portfolio Service is reporting a derogatory remark on all XXXX credit bureaus stating that I owe {$13000.00} and this account was opened XXXX XXXX. I have been disputing this for years with this company, this debt does not belong to me, I never had this credit account. They continue to contact me and now they have submitted a judgement that is pending. I was standing outside speaking to my neighbor and a lady she did not identify herself handed me the paperwork and stated that it was not a summons, but I needed to contact the company in reference to this matter. The paperwork was not in an envelope all the information was left open for whom ever this person was to view it. I am very confused the paperwork was dated XX/XX/year>, and it stated that I had XXXX  days to answer to the allegations. I was unaware that Cavalry was taking actions for a judgement, especially since I been going back and forth with this company stating that this was not my debt. How could they do that if I am not responsible for this debt. Cavalry is also reporting this as collection on my credit report. I would like for Cavalry to remove the negative information from all credit bureaus and also remove the judgement and stop sending random strangers to my home in their personal vehicles harassing me about a debt that does not belong to me. I also have my attorney responding to the judgement. Please view the attachment, that is exactly how it was handed to me no envelope, paperwork open for anyone to read it ; even the presenter whomever she was.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Equifax data breach. 
Issue : I am trying to place a freeze on the account with Equifax, but is impossible to do so either by phone, or web site. 
I have tried to contact them in may ways, but no one seems to be available. Mail is also un-responded. 

Thank you. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

Currently I am trying to protect to Financial bank accounts. Also constant threats of Identity theft of transfers Of anyway shape or form either digitally on smart Phone Or computer etc ... Also currently the people that Stay In My husband and My home. We have asked Have tried to ask nicely to leave our property And home Unless invited in. To visit. Are causing financial physical emotional damage and stress To myself my husband and home and financial Is banking institutions. As well as credit/credit cards small and large purchases. Leaving jets in both of our names.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I was victim to identity theft. I was subject to a scam by someone impersonating a tech company assisting with a a virus protection membership. The impersonator gained access to my computer and my on-line bank accounts. Fraudster initiated a international wire transfer for {$9800.00} from my saving account. I never authorized or initiated this transaction. I immediately went to my bank branch, where with the bank manager were on the phone with the fraud department. They informed us the perpetrators were still trying to get another {$20000.00}. With the help from my bank we filed a claim that day with the Chase claims dept. 
I canceled my three bank accounts, removed the hard drive from my computer and changed my email address. On XX/XX/21 Chase bank sent me a tax form ( W-8BEN ) which is a certificate of foreign status of beneficial to the withholding agent or payer if you are a foreign person and you are the beneficial owner of an amount subject to withholding owner. Proof again that the money was sent to a foreign country. No XX/XX/21 the claims dept. states I did not take the appropriate steps to protect my account. I had a professional anti-virus software installed, also subscribed to XXXX XXXX at the time of the fraud.
Product: Checking or savings account

Inaccurate information on the report State driver license number is inaccurate information residence address is inaccurate information based on the Information listed is totally inaccurate information reporting Banking institution failed to corresponding and investigate accurate information to prevent fruad which however believe to be fruad with information being breach
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint Regarding Unauthorized Dispute on My Husbands XXXX XXXX XXXX XXXX Account I am filing a formal complaint against XXXX, Equifax, and XXXX for falsely reporting a dispute on my husbands XXXX XXXX Bank credit card account, on which I was an authorized user for years. Neither my husband nor I ever filed a dispute regarding this account, yet on XX/XX/year>, my husband received a letter from XXXX XXXX Bank stating that I had been removed from his account due to a dispute they received from the credit bureaus. 
To be absolutely clear : This is not my accountit belongs solely to my husband. I was only listed as an authorized user, and at no point did either of us request a dispute or removal. This action was taken without our knowledge or consent, and it is a direct failure by the credit bureaus to accurately handle consumer data. Additionally, this interference in my husbands financial account violates his privacy and rights. 
To address this matter, I have already filed complaints with : The Texas Attorney General The Federal Trade Commission ( XXXX  ) on XX/XX/year> However, immediate action is required from the CFPB to ensure that XXXX, Equifax, and XXXX correct their reporting errors and prevent further unauthorized interference in my husbands account. 
Requested Action : XXXX. XXXX XXXX XXXX Bank to confirm that no dispute was ever filed by me or my husband and reinstate me as an authorized user on his account. 
XXXX. Require XXXX, Equifax, and XXXX to immediately correct their records and remove the false dispute notation. 
XXXX. Investigate this serious mishandling of personal credit data and hold the responsible credit bureaus accountable. 
XXXX. Ensure stronger compliance measures to prevent such unauthorized actions from happening in the future. 
XXXX. This ongoing negligence by the credit bureaus is severely impacting my financial standing, and I demand swift corrective action. I appreciate your urgent attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok so not only are they claiming they have accurate information costing my credit report to drop XXXX points the last two weeks even though nothing has changed other than they finally closed my account or something with the creditor I don't owe money to I was looking at my report and there are like 20 hard inquiry marks on my credit for the month of XXXX and XXXX of 2022 for auto loans and I mean there are 10 just on XX/XX/2022 alone I was told for XXXX inquiries for the same thing made in a specific amount of time are to roll into one so it doesn't make u look bad but clearly you can see that no one applied for 20 different loans in two weeks and they won't take this out of my report they are ruining my life and now they added another collection that says owe money yet another account that is not mine there are two XXXX account that " we recoart of theft as well for Iver XXXX then say they can't help me cuz they can't verify my address but they can put negative things on my report with out proving that they are my accounts so they put false info on my report with out verifying it first but they won't take it off my report be suse they can't verify my address
Product: Debt collection

This company has continued to try to collect a debt for an incorrect amount. There was an amount that was supposed to be billed to my insurance company but it was not. Despite speaking with the original company about this multiple times, that information was not relayed to the collection agency, who is now reporting a collection on my account. I have no problem with paying the correct amount, but since the original company didn't bill my insurance company, there was no way to know what the correct amount is. I attempted to give the company my insurance information multiple times, but they still continue to claim that they never received it. Instead of getting the correct balance information, the collection agency started reporting the incorrect amount as a collection on my credit report.
Product: Checking or savings account

Incorrectly I had funds frozen within my Wells Fargo account. I was forced to use other means to pay for services as well as get cash.
Product: Debt collection

A third party debt collection agen cy ( AP I Recovery Solutions ) not only called me on my cell phone, but also my parents ' house and cell phones, threatening to take legal action if I did not contact them and pay this debt. Since it was for a payday loan (   XXXX   ) I had defaulted on a long time ago, I thought it might be real. I asked for a detailed letter of the debt and to take my parents off their calling list. I received an email with an attached letter from them on  XXXX / XXXX / 2017 . It had my maiden name on the letter, not my current legal name. And, I had set up a payment arrangement with them to auto charge my debit card on the  XX/XX/XXXX  and the  XX/XX/XXXX  of every month. It was supposed to be {$420.00} for the firs t 2  payments and then {$100.00} for the rest of the payments until the debt was paid off. To authorize my payment, I had to sign a document giving them permission, which I never did. They had charged my card {$420.00} on  XXXX / XXXX / 2017  and  XXXX / XXXX / 2017 . And, so far have charged my card {$100.00} on  XXXX / XXXX / 2017 , instead of just {$100.00}. They never sent me a schedule of payment. And, even after the fir st 2 pa yments came out, they called my Uncle and left a threatening voicemail.     I called the original debt company, and they told me they sold my debt to another company (  XXXX   XXXX  ), who informed me they sold the debt  to API.  Since I was a ble to trail API t o  XXXX , I thought the company was legit. However, charging my card with no signed authorization, charging my card a different amount than agreed, no payment schedule, and contacting my uncle after I had already set up an arrangement, made me suspicious.
Product: Credit card or prepaid card

After paying down debt to reduce my debt to credit ratio, Citibank N.A. reduced my consumer credit line from {$4000.00} to {$1900.00} causing a debt to credit ratio INCREASE which negatively impacted my consumer credit rating and consumer credit scores with ALL major consumer credit reporting agencies. 
Up to XX/XX/XXXX, my Citibank N.A. line of credit for my Home Depot credit card was {$4000.00}. On XX/XX/XXXX, 4 days AFTER Citibank N.A. received my {$2500.00} payment, Citibank N.A.  reduced my XXXX XXXX XXXX Credit Card line of credit to {$1900.00} thus causing my debt to credit ratio to increase from 38 % to 83 %. My Citibank N.A./XXXX XXXX XXXX credit card credit reporting payment history is immaculate/on time/never late across all three credit reporting bureaus since XX/XX/XXXX. On XX/XX/XXXX,  at approximately XXXX CST, I was told by a Citibank N.A./Home Depot Credit Card Services representative ( XXXXXXXXXXXX ) that a " periodic '' account review was done which caused my credit line to be decreased. For the record, my XXXX, XXXX and XXXX consumer credit reporting scores were HIGHER than they were when I was granted the initial {$4000.00} line of credit - ATTACHED XXXX CREDIT REPORT FROM XX/XX/XXXX. I received letters from Citibank N.A. stating their decision was based on information from XXXX ... In addition to consumer concerns with using XXXX given what was transpiring with XXXX  during the timeframe of this incident, this is not only false representation it 's also malicious intent at the hands of Citibank N.A. I am a subscriber to a daily consumer credit monitoring service ( ATTACHED XXXX CREDIT REPORT FROM XX/XX/XXXX ) and there is NOTHING on my XXXX credit report that substantiates the claim from Citibank N.A.