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

The representative from XXXX is calling it fraud instead of incompetent investigation for merchant identification deposit. It violates code 1005.11 and investigation the integrity of investigation sequence.

The bank is in violation of 1005.11 Procedures for resolving errors.

The bank rather retaliate against the consumer and punish his/her creditors Please help bring my account back to escalated normal provisional status accessing all features. 

It is because according to Truist representative an alias called and said the account was compromised. 

I as the consumer of the account did not report that. 

As a result, creditors benefits are disconnected, atm, child support deposits, social app lender loans, employment deposits, my SS #, my phone number and email can not be transactioned or connected. 

The identity of the account has been changed voluntarily to create false identities to insecure consumer access. 

I cant activate access or use the checking account bank card, online, phone, atm, or by app. 

I have to buy food, pay for power to prevent disconnect, pay for modes of transports, pay daycare to continue employment, XXXXXXXX XXXX hygiene, and family trip to a museum. 

All my identities were voluntarily changed that jeopardized and my family well being and welfare We have been limited and put at a disadvantage abroad low income and lack of. I and my family are already poverished prior. 

They placed a temporary hold and update. 

The max deposit per day is {$15000.00}. 
So, the account didnt alert nor I. Somebody is stalking the account and needs to be restrain. 
The problem is a return only. 
Their policies and standards does not match the law or federal codes. 
The Truist expressed said it was a check. But, it is a deposit. 

They are conjoining deposits combining them to make it fraudulent. 
This bank only secure deposits but not consumer accounts allowing fraud to occur. 


This bank has been trying to get me to close this account instead of secure it. They are voluntarily stalking my account and making threats. I have up to {$15000.00} a day for deposits. This account has history with different creditors and also foster care and social apps and family well being. Please view attachments. 

Please view attachments. I also have historical transactions link to the account and reasoning for app benefits.
Product: Checking or savings account

On XX/XX/2021 BMO closed my checking account. They sent my account over to XXXX XXXX. They made a mistake and sent me {$200.00}. I opened up my account when there was a {$200.00} bonus and was unaware that they made the mistake. Now they a making me pay back a fee for over charge that I disputed. Instead of working with me to refund the account they closed my account. And charged me the {$160.00} that I spent. They forced money into my account. I spent some of the money because I truly thought that I was eligible for the promotion. At one point they had me owing more than $ 50K why would I fund an account with the {$160.00} if my account was that far negative. In my community a few extra dollars means buy something for yourself. I am a single mother. I usually cant afford to buy things outside of our budget for regular household items. So when I got an extra {$200.00} I thanked the XXXX for it. I didn't know this was not my money why would BMO put it into my account if it wasn't mine. They caused me to think that I had money that they owed me. I opened up the account during their {$200.00} promotion. Now they close my account and charge me {$36.00} for their mistake all because I sent a complaint about it with this organization. Typical corporation abuse. They are making me suffer more because I made a complaint to this location. My funds from the XXXX tax credit for kids from the latest stimulus package is set to hit that account. Now it wont and BMO can pay for that delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to " XXXX '' to view my credit reports and found some wrong data on all 3 of them. Each company had information claiming I could dispute or correct it from that site, which was a complete lie. All 3 so-called dispute processes were a dead end to nowhere. Each one required me to set up a user account but when I checked their " limited membership '' box so I wouldn't get bombarded with e-mail crap from them, I was NOT allowed to continue with the dispute. Another one simply had me click on the same buttons " start '', set up an account, then click " continue '' which sent me back to the start button. EXTREME frustration with their constant XXXX. These BOGUS companies are allowed to publish false data and consumers have NO RECOURSE. Such SLANDER is unprofessional and should be ILLEGAL.
Product: Debt collection

a business called virtuoso sourcing group, llc is contact us regarding a disputed XXXX bill. they have called every day for the past XXXX weeks. we have made repeated requests to stop calling and all they say is they do n't have to stop. they often call more than once a day. 

we have advised we dispute the bill and will not pay and dont call yet they persist
Product: Credit reporting, credit repair services, or other personal consumer reports

I recognized an inquiry on my report that I did not initiate with XXXX  XXXX XXXX. The inquiry was made on XX/XX/2022. It is only showing with TransUnion LLC, other bureaus do not have this inquiry at all. I sent a letter to TransUnion in XXXX. They sent a response requesting that I contact XXXX  XXXX XXXX directly to get the issue resolved. After contacting XXXX departments within XXXX, no one there is showing a record of the inquiry or why it is showing. I called over to TransUnion just for them to give me the run around about all of these different documents I need from XXXX, about an inquiry they have no record of. After 3 months of the back and forth, I decided to go another route.
Product: Credit card or prepaid card

I was in XXXX XXXX, for vacation, XXXX XXXX XXXX, 2019. I stayed at the XXXX hotel where an employee through XXXX approached me to offer a timeshare tour. I accepted the tour which took place XX/XX/2019 at the XXXX hotel. During this tour I was asked to provide my personal information such as my name, address, phone number, social security, etc. I was told this information was needed to verify my qualification for the timeshare. I also was assured that my information would not be used for anything other than verifying qualification unless I accepted the timeshare. On XX/XX/2019 I received an email from XXXX stating there was a change to my credit report. An account was opened under Barclays Bank. I immediately disputed this account with all three credit bureaus. On XX/XX/2019 I received a letter in the mail that included a Barclays Bank Wyndham Rewards credit card. I contacted Barclays Bank requesting immediate cancellation. They promised to send a letter of confirmation for the cancellation of the account in the mail. My information was stolen and my privacy has been invaded. I did not request for this and the credit bureaus have made it clear they can not assist in repairing the damage that was caused to my credit. I feel Im being labeled as a liar and I would like to know what can be done about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue Tax lien is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid did not file tax lien XX/XX/2010, liability amount is XXXX  which is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX XXXX ( ALL ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX.
Product: Bank account or service

I am writing to the CFPB in regards to Citibank 's false advertising practices and poor internal processes and control. I applied and was approved for a Citigold Interest Checking Account with Invitational Promotion Code : XXXX for XXXX ThankYou Points after meeting requirements. For further evidence, please see Page XXXX. 

On XXXX XXXX, XXXX, XXXX XXXX confirms that account is enrolled in XXXX ThankYou Points promotional offer ( Reference : XXXX, Page XXXX ). 

On XXXX XXXX, XXXX, XXXX XXXX mistakenly writes that my account is enrolled in promotion XXXX and that I must " complete Qualifying Debit Card Purchases of {$1000.00} '' ( Reference : XXXX, Page XXXX ). 

On XXXX XXXX, XXXX, XXXX XXXX corrects XXXX and writes that my account enrolled in promotion XXXX had successfully satisfied promotion requirements and that I will not have to provide the printout, as she has sorted out the issue of XXXX 's mistake ( Reference : XXXX, Page XXXX ). 

On XXXX XXXX, XXXX, XXXX XXXX reconfirms that account enrolled in promotion XXXX met the requirements and that XXXX Thank You Points will post by XXXX XXXX, XXXX ( Reference : XXXX, Page XXXX ). 

On XXXX XXXX, XXXX, Citibank sends mass emails about account openings for my checking and savings. On XXXX XXXX, XXXX, Citibank sends an apology for " technical errors '' ( Pages XXXX-XXXX ). 

On XXXX XXXX, XXXX, XXXX Thank You Points do not post and an inquiry is made. 

On XXXX XXXX, XXXX, Citibank writes that account had no Thank You promotion to begin with. 

It is clear, due to the above and the attached evidence, that Citibank is experiencing very poor internal processes and controls, including but not limited to : promotion enrollment mishandling, mass emails about account openings, points not posting properly, and more. 
There is also false advertising and confusing marketing involved by leading the consumer on and making false promises to a Citigold consumer that points will post by a certain date, only to be told that there was no Thank You Promotion applied, despite evidence saying otherwise ( including XXXX confirmations of promotion enrollment ).
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer ContracXXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX OF XXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$6300.00} Charged off XXXX XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$33000.00} Charged offXX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S.C 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, credit repair services, or other personal consumer reports

Looking over my credit report and notice some hard inquiries that I do not recognize and are all over 90 days old Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dispute Department Attn : Experian. Dispute Department. 

XXXX XXXX XXXXXXXX. 

XXXX, TX XXXX Subject : Request for Verification and Removal of Unverified Negative Entries Dear Dispute Department, I am writing under the provisions of the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), to formally dispute the accuracy of certain information listed on my credit report. As mandated by federal law, I request that you provide physical verification of the original signed documents for the accounts listed below. If such verification can not be provided, the FCRA requires that these entries be removed from my credit report. 



Account Number ( s ) and Details : XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX Business Type : Bank Credit Cards // - Dont recognize this account Please be advised that the inability to verify these accounts may negatively impact my creditworthiness and financial opportunities. Therefore, in compliance with the FCRA, I expect any unverified accounts to be promptly removed. 

Furthermore, I wish to inform you that I have formally opted out of any arbitration clauses, reserving my right to seek legal action if necessary. 

I anticipate that you will undertake a thorough investigation of these matters and provide me with an updated credit report within 30 days, confirming the removal of any unverified information. 



Thank you for your attention to this matter. I look forward to your prompt compliance with these requests. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I have filed 3 credit disputes, I have requested information from NCB and the documents that they provided didnt match my driver license number. XXXX XXXX filed a complaint to have the account removed and I filed 2 with credit bureaus. I also called the agency directly and it took them over 30 days to provide me with information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Credit Reporting Agency : Experian Debt Amount : {$3500.00} Date of Debt :? 

I have been disputing this debt since XX/XX/XXXX with Experian. I have asked for verification that I did any business with XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I finally called Experian, and they stated that the collection agency " XXXX XXXX XXXX '' has verified the account. 

I then called XXXX XXXX XXXX and asked them to produce something that shows this is my account. They only said that they have my name, social security and an address that I never lived. 

I then hung up with them and called XXXX XXXX XXXX XXXX XXXX XXXX ( the original creditor ) and asked them to produce a signature or document from the original date of service and she did n't have it and referred me back XXXX XXXX XXXX. 

They have not produced any item that shows this is my debt. 

I am requesting that this be removed from my credit report
Product: Credit reporting or other personal consumer reports

I am formally requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), Metro 2 compliance standards, and Fair Credit Reporting Act ( FCRA ) for the following disputed accounts : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX - 1st Account ) XXXX XXXX  ( Account # XXXX - 2nd Account ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) I dispute the accuracy and validity of these accounts and request full verification before any further collection or reporting
Product: Debt collection

Sent dispute letters and never received any verification forms back, also the information on the report is not correct, there are different information on all three reports reporting the wrong information on all three reports.
Product: Credit reporting or other personal consumer reports

I have an inquiry from XXXX XXXX XXXX  and I dont have an open account with them. They need to immediately remove that inquiry from my report XXXX TransUnion and XXXX. This is making my credit score look horrible. I need them to remove that from my credit report immediately. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX account XXXX XXXX has violated my rights. 
XXXX account # XXXX has violated my rights XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX account # XXXX ; XXXX  acoount # XXXX ; XXXX  acoount # XXXX ; XXXX acoount # XXXX ; XXXX acoount # XXXX XXXX acoount # XXXX has violated my rights XXXX account # XXXX and account # XXXX has violated my rights XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX XXXX XXXX ACCOUNT XXXX XXXX has violated my rights XXXX XXXX ACCOUNT has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights 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 Seection 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 am at my wit 's end with your inability to handle the clear and obvious fraud on my credit report. Despite multiple attempts, you have failed to remove the fraudulent accounts and inquiries that I did not authorize. Your lack of action is both negligent and illegal. This is my final demand before I sue you. 

Fraudulent Accounts to be Removed Immediately XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 Unauthorized Inquiries to be Removed Immediately 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 XXXXXX/XX/XXXX And many more previously disputed XXXX 
Legal Violations and Consequences : Your refusal to act violates : Section 609 ( a ) ( 1 ) ( A ) of the FCRA [ 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) ] 12 CFR 1006.34 ( b ) ( 5 ) FCRA Section 605B [ 15 U.S.C. 1681c-2 ] FCRA Section 1681e ( b ) [ 15 U.S.C. 1681e ( b ) ] 15 U.S.C. 1692c 15 U.S.C. 1681b 15 U.S.C. 1681N These laws mandate that fraudulent accounts and inquiries be removed promptly. By ignoring these regulations, you are exposing yourself to massive liability. 

If the fraudulent accounts and inquiries are not removed within 7 days, I will take you to court and seek {$1000.00} per violation, plus {$10000.00} in damages for emotional distress and hardship. I will also escalate this issue to the CFPB and FTC, which may result in further penalties for your company. 

This is your final warning. Comply with federal law, or face the consequences
Product: Credit reporting, credit repair services, or other personal consumer reports

I have documents of my security freeze placed XX/XX/, with extended fraud protection. but still see inquiries on my account, as a Victim of fraud, XXXX, XXXX and other institutions, used and complied incorrect information about mw with out letting me make corrections to these accounts that did not seem recognizable. these companies did not investigate this mater as I have a written letter to the data furnishers that the information I had got verified with notary did not match their records, there fore they are resorting to report the wrong information. this led to XXXXnjury to my credit report and credit score. FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I demand XXXX complies or i will be using all documentation as evidence to show in court I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Vitim of fraud, XXXX did not investigate this mater as I have a written letter from the data furnishers that the information I had got verified notary did not match their records, there fore they are presorting to report the wrong information. this led to Injury to my credit report and credit score. FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : The payment status of each account is incorrect. 

XXXXXXXX XXXX XXXX Account Number : XXXX TransUnion / Experian / Equifax . 

XXXX Account XXXX : XXXX TransUnion / Experian. 

XXXX XXXX Account XXXX : XXXX TransUnion / Experian. 

XXXX XXXX XXXX Account Number : XXXXXXXX Experian / Equifax .
Product: Credit reporting or other personal consumer reports

I need help from the CFPB for the following reasons : Innovis Credit Reporting agency is willfully noncompliance of the Final Rule because they're refusing after accepting my Human Trafficking determination from a non- governmental agency also submitted a self-attestation statement, my ID, social security card, bank statement and a signed or certified by a federal, state, or tribal government entity, court of competent jurisdiction, or an authorized representative of these entities. I can't be approved for a place to live because there are items that are the result of XXXX XXXX on my report. Therefore, I am homeless. I don't want this complaint closed until these items are blocked again on my Innovis credit report.
Product: Mortgage

This input relates to a complaint I filed that was assigned case number XXXX. Citi Mortgage gave a response, which I responded to on XXXX/XXXX/16. My question was, why was Citi threatening me with foreclosure while offering me a loan modification at the same time. More importantly, I was under a bankruptcy stay when Citi threatened me with foreclosure. I am once again asking Citi to answer this question. They have failed to answer it before in the case number I referenced above.