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

We decided to switch banks to Citibank so we opened a checking and XXXX savings accounts on XX/XX/XXXX and transferred money to them. On XX/XX/XXXX, I realized I wasn't able to log in to my account online ( because they never sent me my debit card ) so I had to call them to unlock it and send me one. Once I received my debit card it wouldn't activate online so I had to be on the phone with them for XXXX minutes to get it activated. After all of these issues ( and additional issues applying for a CC with them ), we decided to leave Citibank so I asked what I need to do to close my accounts and they said I had to transfer the money out of the accounts and I could call to close it. So I transferred the money from checking back to our old bank account and tried to transfer money from savings to our old account but it said access was denied and then I couldn't login to my account. I called them and they tried to verify me using my phone # but said it didn't work so I had to wait for a letter to get verified. The letter came on XX/XX/XXXX, I called them again on XX/XX/XXXX to get my account unlocked ( because I wasn't able to access my account or have access to any of my money in my accounts during this time ) and the man on the line, after talking with the security team, told me I had to call them back in XXXX hours since their system was down. I called them on XX/XX/XXXX and the lady told me my accounts had been marked to be closed so I had to wait until my accounts closed in 30-60 business days and then I would receive a check in the mail with the money of all my accounts. I asked if there was a way to re-open them so I could actually get access to my money ( since I still wasn't able to access any of my money at this point ) but she said she couldn't undo the process and I have to wait 30-60 business days until they could mail me my money. There should have been no reason why I was locked out of my account in the first place ( since they literally told me to transfer the money out of my accounts in order to close my accounts to switch banks ) let alone now it is marked to be closed and I still don't have access to my money. They also never notified me of the fact that they were closing my account until it was too late and I was on the phone with the lady on the XXXX. I don't know even know how much money I have with Citibank right now and I want to know so I can make sure they send me all the money that is righfully mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accuracy and completeness on XXXX XXXX  XXXX account listed on my credit report. This account is beyond 7 years of the last payment date and should be deleted and removed. These fields are incomplete I am disputed the balance, recent payment and Original Balance on this file. 

I also have noticed addresses that do not belong to me that should be removed and deleted XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX OHio XXXX Should be removed and deleted
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  || DATE OF INQUIRY : XX/XX/XXXXXXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX. XXXX || DATE OF INQUIRY : XX/XX/XXXX
Product: Credit reporting

I have sent a address affidavit to have all incorrect addresses removed from my file. My name is spelled wrong on my Equifax report as well. Please see the attached documents and correct the error as requested thank you for your time and concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report today XX/XX/22 and have found that unauthorized inaccurate late payments are being furnished to my credit report. I did not give written consent to have transactions between the furnisher and myself to be reported by experian, XXXX, or XXXX. A consumer report should EXCLUDE transactions and experiences between the consumer and person making the report, that is stated in 15 usc 1681a ( 2 ) ( A ) ( i ), so why is payment history being reported? please see attachment for details
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX was NEVER late. Account # XXXX is reporting numerous late when it was NEVER late. Transunion failed to correct these lates numerous times & delete this account off my credit report.
Product: Credit reporting or other personal consumer reports

I sent XXXX letters dated on XX/XX/year> to these 3 credit bureaus, Experian, XXXX, and XXXX to inform them of inaccurate information ( late payment removals/derogatory ) concerning 3 closed accounts that needs to be removed immediately.
Product: Debt collection

The complaint alleges the violations of the Consumer Financial Protection Act of 2010 ( CFPA ) ; 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; and the Fair Debt Collection Practices Act ( FDCPA ) ; 15 U.S.C. 1692-1692p ; in connection with debt collection act and practices. 

In accordance with the Fair Credit Reporting act ( FCRA ) ; MIDLAND CREDIT MANAGEMENT, 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2024, someone accessed my Wells Fargo online account and added a XXXX recipient. About an hour later, they initiated a XXXX transfer for {$1000.00}, which was below the threshold where a two-factor request would have been sent to my phone. However, I was notified by text message that a XXXX transaction had taken place and I immediately reported the fraud to Wells Fargo. 

My claim was initially rejected. On XX/XX/year>, I appealed the decision, and my claim was rejected again. 

To the best of my knowledge, someone gained access to my PC via Remote Desktop, and because I use a password manager, they were able to log into my Wells Fargo account on my PC and send money from my account. Because there was " no unusual activity '' on the account, Wells Fargo decided that I must have initiated the transaction.
Product: Credit card or prepaid card

I opened a Pay Pal account and had my relia card changed to Pay Pal from my unemployment benefits. I never used the card and when my benefits loaded on to Pay pals card, they licked my account and closed it keeping my monies.Ive exhausted my means in trying to speak with a customer representative to no avail.
Product: Checking or savings account

An account was opened in my name, but I did not open it. I called in XX/XX/XXXX because I was getting emails to confirm my account with Bank of America. I called in and ended up with the fraud department and was told the account would be investigated and closed. I was told I was not responsible for the account. 

Today my mother brought me a statement mailed to her address but in my name from Bank of America. I opened the statement and could see there was a savings account open, and had a balance of {$280.00}. I called in again to Bank of America and was told the account was closed XX/XX/XXXX. I expressed my concerns that this account was to be closed almost a year ago. I requested a letter/document showing the account is closed and is no longer associated with my social security number/name etc. I will update this complaint if I receive the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian Recently i did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Under 15 usc 1689 exclusion person making the report of the consumer unknown information under federal law experience XXXX and XXXX exclusive transactions between consumer and person making the report noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by XXXX Credit monitoring, that Citibank NA did a hard inquiry on my credit on XX/XX/2021 without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX XXXX account in early XXXX that was in collections with XXXX XXXX because it was reporting inaccurately on my credit report. It was removed from my report and readded under XXXX XXXX XXXX in XX/XX/XXXX. It is still reporting inaccurately on all three bureaus. 

Although this account was originally opened in XXXX, XXXX is reporting it as new debt. My current credit report shows the account was opened in XX/XX/XXXX which is inaccurate. XXXX   shows the last active date as XX/XX/XXXX but XXXX  says XX/XX/XXXX while Transunion says XX/XX/XXXX. This account has been inactive since XXXX. The notes on my credit report say that it meets FCRA requirements. I'm unsure how if they all say something different. That is a pretty basic rule of the FCRA ; accurate reporting. That only refers to the issues with my credit report. There are more inaccuracies there as well. 

But the reason for this complaint is as follows : I called XXXX on two different occasions and spoke with a manager who told me that they would look into the issue and return my phone call. They requested screenshots of my credit report which I provided. I didn't receive a callback either time. The manager told me he would return my email. On XX/XX/XXXX, I emailed screenshots of my credit report showing everything that was reporting incorrectly and they never responded to my email. That email was sent to XXXX who never responded to the information that he personally requested from me. I asked for proof that the debt was mine. They did not respond and never sent proof in the mail even though I gave them my updated contact information. I also did a direct dispute with XXXX. I mailed a certified letter to them directly on XX/XX/XXXX and they never responded. At this point, it has been almost 60 days with no response. The last time I called in, which was well after they missed the 30 day mark, the manager told me that they were waiting on the original creditor to send the documents. That is fine but the law states that they had 30 days to respond. They've taken almost 60 and there is still no response or accountability
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to XXXX National Consumer Assistance Department TransUnion Consumer Relations, and XXXX Credit Information Services about multiple unknown collection accounts that have been reported on all three credit reports. <P/>XXXX National Consumer Assistance Dates : Certified Letters : XX/XX/XXXX,XX/XX/XXXX. Online disputes : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX XXXX (XX/XX/XXXX {$1100.00} closed unverified ) TransUnion Consumer Relations Dates : Certified Letter :XX/XX/XXXX. Online Disputes :XX/XX/XXXX, XX/XX/XXXX. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and still unverified ), XXXX XXXX XXXX ( XXXX {$450.00} open unverified ), XXXX XXXX XXXX (XX/XX/XXXX XXXX {$1100.00} open unverified ) XXXX Credit Information Services Dates : Certified Letter : XX/XX/XXXX. Online Disputes : XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.  Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX ( {$24.00} closed unverified ),XX/XX/XXXX ( {$160.00} closed unverified ), XXXX XX/XX/XXXX ( {$50.00} closed unverified ) These companies, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amounts listed above with Transunion, XX/XX/XXXX, & XX/XX/XXXX credit reporting agencies. I requested verification of the debt and account however the business and credit reporting agencies have failed to provide adequate proof. Instead of deleting these accounts ; they have been closed and remained open with derogatory remarks on my credit file which has caused not only stress but slowed down the process of buying my first home. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion refuses to delete a fraudulent account off my report from XXXX known as XXXX XXXX XXXX i have never in my life given them my social security and it is causing me to rack up hard inquiries and denials due to a collection/charge off in which i have no knowledge off I NEED XXXX XXXX  XXXX NOW
Product: Credit card or prepaid card

HELLO! I 'm disputing with Bank of america. When In XXXX in XXXX on XXXX i tried to put petrol at XXXXXXXX XXXX XXXX Every XXXX has their own employees for putting some petrol and customer 's card processing purpose. At the time they took my credit card and inserted to their card processing device. But it was declined 5 times incluing my brothers credit card 3 times and mine 2 times. So finally ended up using my brothers debit card. After travel, i found out they charged me {$77.00} US dollar even though it was declined 5 times. I could n't use my credit card at all. I think this is definitely double charged and i have no reason to pay again. also i do n't get what based on they charged me XXXX I thought everything is going well because i have declined slips. But the problem has been started from here. My bank credit card claims department keep saying that i have to pay {$77.00} Because there was no credit card numbers, the amount to be credited and merchant name on the declined slips The credit card dept keep insisting that these are not vaild credit card slips. If these are not proper card slip, who gave me the credit card slips? I did n't get any valid slips from XXXX company. this is not my mistakes Do you know what even worse things? At the time putting the petrol, i did n't sign on the recepit at all but the petrol stn and bank of america  keep saying that i signed so i asked BOA to send me copy of my signature and they said already mailed me it was more than month ago and i called a few times the bank sent the mail for sure Everytime i called they said just wait but i think they are lying I have been spending huge amount of time to solve this problems and too much stress since XXXX I guess no one fight for this long. most of them would give up. But the credit card dept never change their stands. finally i have no choice but reach the XXXX head quarter to solve this terrible problem and i 'm still waiting So my suggestion is asking the Bank of america whether they sent mail or not I have no idea even they have my signature as proof of purchase If it turns out that the bank is lying there will be a huge problem of trust. I would really apprecite your response and contact me please
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2023. XXXX XXXX fraudulently placed a Collection Account on my credit reports for XXXX TRANSUNION and XXXX. The collection agency is reporting the debt on behalf of a storage company titled " XXXX XXXX ''. Per its credit reporting of the alleged debt. However, I do not have an account with XXXX XXXX. I did not authorize this account. I do not have a business relationship with this entity. XXXX XXXX did not report to XXXX any previous payment history, monthly payment amount, and only reported that the account is a Collection Account, with no other verifying data provided. XXXX XXXX has never contacted me by mail, phone or otherwise to inform me of the alleged debt. I do not have a XXXX XXXX with XXXX XXXX. I do not owe a debt to XXXX XXXX or XXXX XXXX. XXXX XXXX nor XXXX XXXX has never placed a inquiry of any on my credit reports. XXXX XXXX knowingly and intentionally placed a Collection Account on my credit reports without verifying if the debt was valid or authorized. Further, XXXX XXXX failed to report accurate information by not including data that is necessary to validate a debt. XXXX XXXX has clearly placed another individuals account on my credit reports. Which has directly caused me undue hardship. XXXX immediately removed this fraudulent account from my credit reports. I request that TRANSUNION and XXXX adhere to consumer law concerning not placing inaccurate information on my credit report that are not in good faith verified and authentic.
Product: Credit card or prepaid card

This is concerning the 2009 credit card act. 
I paid an extra amount over and beyond the minimum Bank of America payment due and they refuse to add this to the high interest portion of the statement. 
I had this issue before with this bank and they did not respond. I just let it go at that. 

My XXXX XXXX Statement showed Balance transfers 8.99 % {$6200.00} Bank cash advances 19.99 % {$3200.00} Minimum payment due {$190.00} I paid the minimum of {$190.00} plus an extra amount of {$5000.00}. That should have wiped out the 19.99 % portion of the statement with an an additional of {$1700.00} applied to the 8.99 % portion of the statement. Bank of America elected to add the main portion of the payment to the lower interest part of the statement. 
This according to me is not according to the 2009 credit card act. 
I can substantiate this with my statements. 
The current balance on the 19.99 % portion is still {$2500.00} Thank you for your care
Product: Money transfer, virtual currency, or money service

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam of CFPB Complaint/Dispute Department XXXX XXXX would like to draw your attention to the complaint letter of XX/XX/year>. 
- I had sent it for your attention, in which I clearly stated how I was affected personally, psychologically and financially by the scam of XXXX and XXXX. 
However, it is over 60 days and I have yet to receive a response regarding my claim. This really doesn't show your complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
My complaint is against TD Bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable person who fell victim and lost all the savings due to the misconduct of the bank. 
Banks and other Payment Services Providers ( PSPs ) do have a duty to protect people against the risk of financial loss due to fraud and/or to undertake due diligence on large transactions to guard against money laundering. 
TD Bank could have protected me from this ; unlike me, the bank knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance. The treatment from TD Bank compounded by XXXX  and XXXX and has left me in the awful situation I now find myself in. 
During the course of our relationship, TD Bank failed to help me, as their customer. 
I believe I am fully entitled to compensation from TD Bank and that they are to be held responsible according to the following : 1. Protect people from financial harm as a result of fraud or financial abuse.

2. The red flags surrounding my transaction should have raised alarms with TD Bank as the transactions were substantial and TD Bank could have easily prevented them.

3. There were no similar transactions in the 12 months prior to my victimization by the scam scammer ( s ).

4. A fair and reasonable outcome that TD Bank reimburses me.

I have attached my complaint letter for your perusal, your prompt attention to this matter would be greatly appreciated! 

XX/XX/year> XXXX regards, XXXX XXXX XXXX | XXXX XXXX