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

I mailed in a dispute letter on XX/XX/year> to delete the bankruptcy information that can not be 100 % verified through the original creditor. In this case the original creditor is the United States Bankruptcy Court District of New Jersey. I have proof and a signed document from the United States Bankruptcy Court District of New Jersey, that's states they never sent nor do any business with any of the Credit Bureaus or XXXX. This is a clear violation of the Fair Credit Reporting Act. Due to the fact all information must be 100 % accurate and reported from the original creditor not a 3rd party.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX & XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXXXXXX 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 reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've put various complaints in with  XXXX  regarding fraud committed by at the time my husband in which he had also taken  XXXX  other credit cards out under my name and each of those banks, did their investigations and found all credit cards taken out in my name to be fraud. Those credit cards are  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , utility bills, gambling sites, and IRS. Also included was IRS and M ail Fraud. Th is particular credit card company because bills were being sent to the address they have on file which was my current address is the reason they are not investigating this as fraud. My husband was  XXXX . I worked and he did n't work and was receiving all mail correspondences at this home. I 've never seen a bill or even knew he had used my ss number to take this card out. I received a letter from a  XXXX   XXXX  - Custome r Advocate Team in  which I 've emailed him back on numerous occassions and he never responded to any of my emails including the police report filed, letters from other banks stating fraud was committed as well as filed numerous complaints. I have discussed this with my lawyer who has asked me to do a final contact to  XXXX  before I take other actions. After reviewing all the proof I 've collected to my lawyer, my lawyer stated I can receive serious damages for the credit issues my husband at the time has caused. There is a  XXXX  against  XXXX   XXXX  and I am prepared to work with  XXXX  to sign anything needed to clear me from this fraud. Please let me know
Product: Credit reporting or other personal consumer reports

I discovered unauthorized credit inquiries on my report today, and Im completely baffled as to how this happened. I checked my report like normal, but this time there are unexpected discrepancies. I even refreshed my browser, hoping it was an error, but the inquiries didnt disappear. Im seriously frustrated, and I demand that the documents Ive submitted are thoroughly reviewed so this problem can be fixed immediately.
Product: Checking or savings account

Almost 3 years ago now my account was hacked and drained of over {$30000.00}. Once empty. The crook then filed disputes on dozens of charges including legitimate ones I made to attempt to get more money. They agreed and gave the crook more money by check and closed the account. The crook was then arrested for cashing the check. I found out when the check cashers called me to verify some info. It took me weeks to regain access to my account and attempted to file disputes for everything that was done. I've called hundreds of times and it's never the same information. Some people would tell me! y dispute had been filed, others would say I can't dispute certain charges because the crook already had. Then after a year of calling was told they were automatically closing because the account was closed and that they would need to reopen to file the disputes. Then I'm told that someone from the " back office '' would reach out to me within 48 hours. I've never gotten one email. They have told me this over 30 times. They tell me the only way to proceed is to wait for the email that never arrives. I've called the corporate office and they direct me to the same phone number. I filed another ticket requesting information on how to start the arbitration process because they require arbitration and I'm told someone will email me. Never does. I had a refund processed to my credit card from XXXX XXXX and I've called to ask where my refund is and I'm told to email. Nobody replies. I'm beyond fed up and someone there needs to address the fact that my savings was stolen by two people now. One who was arrested, the other, Chime who has no competent staff that understands the severity their lack of support brings. One of the transactions the crook disputes was a transfer I made to my new bank for {$10000.00}. When they took back that from my new bank, they closed my account and labeled me a fraudster and I can't open an account anywhere because chime has not acted on anything and fixed their error. I've called hundreds of times spending over 400 hours on the phone over the past two years wasting the one thing money can't buy and that is my time. I've sent police report after police report and they do nothing to return my funds. My business and life have been tremendously affected due to their failure to protect my account. I've not been able to order inventory and have had times I couldn't even put food on the table for days. I'm not rich and can not just walk away from over {$30000.00}. This is my third complaint because the last complaint wasn't even addressed in their response. If my money is not returned I will be arbitrating but I can't even get them to tell me how I'm supposed to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently I am undergoing financial hardships brought about by incorrect, untimely reporting! Trying to reach any of these bureaus is a farce. I understand they are now under the control of   XXXX   XXXX   XXXX   but frankly same old, same old. The reports still reflect incorrect information and wrong information not reflecting paid accounts and   XXXX   balances from months ago. In fact my score has not reflected positively due to this. Opinion- forget all they hype someone creates the scores and by experience they are being evidently manipulated to cause me to pay more. Someone has to have responsibility! You can not pay and go down or stay the same!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account more then 5 times with Equifax, XXXX, and XXXX I also disputed it with XXXX XXXX XXXX, when XXXX   finished there investigation the 2 time they did find that XXXX XXXX was reporting inaccurate information, and removed the account per FCRA I sent the information to Equifax and XXXX  showing that the information being reported was inaccurate using the information sent to me thru CFPB by the collection company that showed that the amount was less then {$2000.00} not penny more. but every time i dispute with Equifax and XXXX not only they dont correct the issue the up the amount my reports start at {$3300.00} then {$3300.00} then {$3300.00} since the Credit reporting companys know the rule and laws of FCRA im not going to give statues, but if an account has been disputed and nothing change but found to be inaccurate later must be deleted. I have provided such proof to Equifax And XXXX  SO AT THIS TIME THIS IS MY FINAL ATTEMPT TO RESOLVE THE ISSUE AND HAVE THE ACCOUNTS REMOVE FOR REPORTING IN BAD FAITH PRIOR TO ME FILING XX/XX/XXXX IN COURT I HAVE MADE COPYS OF ALL CREDIT REPORTS SINCE I STARTED THIS DISPUTES IN XX/XX/XXXX, I  ALSO HAVE THE DOCUMENT PROVIDED BY XXXX XXXX XXXX, WHICH CHANGE TRADLINE NAME TO XXXX XXXX I BELIEVE THAT EQUIFAX AND XXXX  ARE NOW ACTING IN BAD FAITH AND TO PROFIT OF INACCURATE INFORMATION BEING REPORTED THEREFORE THIS IS MY FINAL NOTICE TO EQUIFAX , AND XXXX PRIOR TO FILING SUIT IN WHICH I WILL NOT SETTLE AND WE WILL GO BY THE COURTS DECISION.
Product: Checking or savings account

Citi offered a promotion for new account holders. I opened a new account, did the required spending and account pieces, and it says that you will receive points within 30 days. It has been 55 days and I have not gotten my points. The terms say 30 days, I contacted citi and they verified I had completed all activities but could not provide a status of the promotion, and said it may take 90 days to get my points. This is not what I signed up for. 

Requirements : Opened account XXXX Debit ATM purchases of {$1000.00} {$350.00} ( XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX enhanced direct deposits totaling {$1000.00} or more XXXX : {$500.00} ( XXXX ) XXXX : XX/XX/XXXX {$500.00} Within 90 days XXXX- confirmed on chat ( XXXX pm ET - XXXX  ) I was enroled in XXXX promo bonus Week of XX/XX/XXXX : contacted as I completed all activities on XX/XX/XXXX and had not gotten award. They opened investigation YOUR CASE ID : XXXX XXXX XXXX XXXX and said I may get points within 90 days Per terms and conditions when I signed up : Complete Qualifying Purchases. 
Complete Qualifying Purchases with your Citibank Debit or ATM Card corresponding to the Checking Account Package requirement in the Chart below within 90 days after the Checking Accounts Account Opening Date ; The maximum amount of bonus miles credited will be based on your Checking Account Package on the XXXX calendar day after the Account Opening Date and completion of the Required Activities ( see Chart below ).
Product: Debt collection

I received a text message on XX/XX/XXXX from my general manager at my place of employment letting me know someone was trying to get in touch with me and he gave me their information. I called the number and gave them the reference number. I was then transferred to a gentleman claiming to be from XXXX. He had all my information, social, amount I currently have available on my credit cards and so on. He told me I owe money for a credit card I had in XX/XX/XXXX. I asked why I had n't received anything in the mail and he told me they had sent it, the mail service can be unreliable. I said I wanted something in writing from them, to prove they are who they say they are. I mentioned that I had n't seen anything on my XXXX credit report and he said it was because I needed to check my XXXX one. I told him bottom line I did n't feel comfortable settling for XXXX and issuing a credit card payment without any knowledge of who they are. He said he could send me a generic email, that would n't pertain any type of payment information to set up, just general information. I was leaving for work at the time and he did send the email which did n't even contain a letterhead. I google searched the number they had called from, XXXX, and found numerous complaints about threatening and harassing calls. I also bought my experian credit report and found that a company, XXXX ran a credit check on me on XXXX XXXX, which would explain how he had all my information. I searched that company and found a phone number but when I called that company it was a voicemail saying if I left a message someone would return my call in 24hours. I left it at that. Then today, XX/XX/XXXX around XXXX someone claiming to be from XXXX? called my place of employment asking for the address and my name, my employee then gave the phone to me. It was a woman claiming to be from a processing server company who told me they were planning to come to my place of employment within the next hour to serve me with papers that would require a signature, I said that was fine. She then repeatedly asked if I wanted a number so I could call and have the serving of the papers rerouted, I said no, its fine. She asked what time I would be here until and I said I 'll be here all day. It 's now XXXX EDT and no one has shown up. I explained to my general manager what was going on and apologized for the phone call. He told me that when he was contacted yesterday the woman on the phone was telling him they needed to contact me immediately or that was it, I would lose my chance of any resolution. He also said that he was received numerous call from who he assumes is them again today but he was not answered to avoid any further problems.
Product: Credit reporting or other personal consumer reports

On XXXX2024 I when to XXXX to request a free annual credit report from Equifax. I entered the correct information but, when I reached the verification stage, Equifax sent me a useless verification code email. ( There was no code in the email, it simply claimed to be sending me a code. See attached example. ) This happened again when I tried to have it re-sent. I then tried calling to speak to an agent. After entering all kinds of information into the telephone automated system, I was told they were unable to complete my call and that I should write to them. 

I went back to the XXXX website and was able to immediately get my free credit report from XXXX. Apparently Equifax doesn't want to respect the law and provide me with the credit report to which I am entitled.
Product: Payday loan, title loan, or personal loan

I received a call from California check cashing on XX/XX/XXXX from XXXX asking if I wanted to make a payment towards XXXX XXXX XXXX of XXXX. 
I told her I wanted to pay XXXX. XXXX she said ok and gave me my balance. 
I go to check my XXXX account and some one from XXXX XXXX took XXXX off of my card. The lady informs me they handle payment for personal loan companies and to call my lender because that's not hr department gives me the number to XXXX XXXX. She told me there are numbers to call when an employee makes a mistake. So now everyone is saying there is nothing they can do because it's already processed. And I can take out another loan .The store excuse was oh she's new. So I called my bank and filed a dispute and I'm waiting to see what These loan places are going to do in these types of situations. People work to harder for their money now a days and if they offer out money they need to be able to give it back swifty. And XXXX needs more training and pay me my money lol
Product: Money transfer, virtual currency, or money service

I opened a Citigold account and funded it with {$250000.00} USD. I was incredibly unhappy with the product and offering so on XX/XX/2020 I setup a wire to get the money out of my account and back to the bank where it came from. When this wire was setup, Citi proceeded to wrongfully close my existing Checking account without my permission or request ; thus, nullifying my {$250000.00} USD wire transfer. I have been told, this is because it left Citi " no account to take the money from. '' Effectively, my wire never left Citi, and now my Citi account was closed so the {$250000.00} USD was not returned to my Citi account. This left my {$250000.00} USD " stuck in the wire system '' with nowhere to go. 

I called first thing XX/XX/2020 and someone was able to re-open my wrongfully closed account and said my {$250000.00} wire return to this account by the end of the business day. It did not, and it is now XX/XX/2020 and my money is nowhere to be found. 

I have called Citi bank every single day since XX/XX/2020 to try and get my money back. Today is XX/XX/2020. Every single day, and every single call, I am told a slight variation of the same " hiccup in the system, '' story. I have been hung up on multiple times. I am constantly transferred from one department to the next, and when I have asked to be escalated I am place on long holds and eventually the call is ended by Citi. I have never spoken to an escalated party because no one has allowed me to. My money has not been delivered to the wire destination and it has not been returned to my wrongfully closed, now re-opened, Citi checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. For XXXX XXXX on my XXXX credit report, XXXX refuses to remove the negative item. The account was opened on XX/XX/XXXX, it's been 8 years and the account has not been removed. Also, I would like to dispute this issue under the Civil Service Relief Act since I incurred this debt prior to entering service in XX/XX/XXXX. I would like for this account to be removed immediately. Please see attached for evidence. 

2. For XXXX XXXX XXXX  XXXX on my XXXX reports . I would like these accounts removed due to the fact they both are not accurate and are not reflecting the same data from both credit bureaus. Please see below for the following issues : a. On my XXXX credit report, the issues on my account is as listed : - Account Type : Auto Loan - Payment Status : Paid, was a charge-off - Status Date : XX/XX/XXXX - Balance : " - '' - Balance Updated : XX/XX/XXXX - Past due amount : " - '' - Terms : 72 Months - Contact information : XXXX XXXX XXXX XXXX XXXX NC XXXX- The late payments are for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

b. On my Transunion credit report, the issues on my account is as listed : - Account Type : Installment Account - Payment Status : Paid or paying as agreed - Status Date : XX/XX/XXXX - Balance : {$0.00} - Balance Updated : XX/XX/XXXX - Past due amount : {$0.00} - Terms : 82 Months - Contact information : XXXX XXXX4 East Fire TXXXX XXXX XXXX NC XXXX- The 1 late payment is for XX/XX/XXXX I would like to be CC 'd on every correspondence that is sent to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the ongoing issue of late closed and charged off accounts remaining on my record despite numerous attempts to have them removed. Despite providing ample evidence and following all necessary procedures outlined by your company for dispute resolution, there has been a consistent failure to address this issue effectively. 

I demand immediate action to rectify this situation. It is imperative that all late closed and charged off accounts be promptly removed from my record, as they do not accurately reflect my financial history. Furthermore, I expect your company to implement robust measures to prevent similar errors from occurring in the future. This ongoing ordeal has caused me undue stress, financial hardship, and frustration. I urge you to prioritize this matter and provide me with a clear timeline for the resolution of this issue. With this, I am asking for your assistance to remove these accounts in my credit file XXXX XXXX XXXX XXXX  Balance : {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX : {$810.00} This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX XXXX XXXX : {$0.00} The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Debt collection

I disputed an account on my XXXX  report called Pro Collect. I have filed identity theft and submitted this account to the federal trade commission yet this company still attempts to collect from me and will not come off my credit report. The original creditor Is XXXX  XXXX  XXXX XXXX XXXX. I have no idea what that is
Product: Debt collection

I have received a couple of letters from " Applied Business Services, Inc '' claiming they are a " Security Collection Agency '' that is stepping in to secure medical payments for XXXX XXXX Urgent Care from me. 

I do n't believe these letters are legit, because the Urgent Care I visited has my credit card information on file, and I have never received a bill from them.
Product: Debt collection

Tablott adams and moore collection agency is reporting an account I have in collections twice on my credit report. I contacted them trying to have XXXX of the accounts removed, considering it is the same account. The representative proceeded to tell me the only way they would remove XXXX is if I paid {$120.00}, even though the balance on credit report is {$95.00}, and that they could not do anything without payment. contact phone number I called was XXXX.
Product: Credit reporting or other personal consumer reports

I just recently checked my credit report and was notified that I've been a victim of identity theft and found multiple credit inquiries on my credit report that i did not initiate here are some of the fraudulent inquiries I was notified of 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 XXXXXX/XX/year> Ive also filed a identity theft report and have attached it below
Product: Credit reporting or other personal consumer reports

XX/XX/2023 RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
XXXX XXXX | XXXX Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!