23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX  XXXX Balance : {$530.00} ; XXXX/XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I assume due in part to the Covid-19 Epidemic, Citibank has closed my Citi " Thank you '' Master Card and Citi " Costco '' Visa credit card. They are not willing to assist with deferments and are also reporting the month of XX/XX/2020 as being late. 

I called on XX/XX/XXXX and was informed they would investigate. They sent a letter stating that simply they are not able to correct or open my credit card accounts after closing them. They said they would not offer me any assistance because the accounts were closed status. They would not open the accounts, and would not give me good reason, yet they also said I should request such matters through a credit reporting agency, as in XXXX. 

Today I check the status of my credit card on my CBR and called Citibank regarding my Card # XXXX. Citibank informed me that they were not willing to assist with reporting flags as related to the natural disaster as they were not the credit reporting bureau. It has been a circular push from Citibank to send me to the CBR and the CBR is saying they simply reflect what Citibank is informing them. 

As the world continues to cope with the impacts of the COVID-19 crisis, government officials throughout the U.S. have taken important steps to curb the spread of the virus. At the same time, many businesses, financial institutions and government entities are stepping up to provide some relief to those who are worried about their financial security. However Citibank is not. 

Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down. XXXX  supports the CARES Act and is urging all consumers who are in financial distress as a result of COVID-19 to  contact their lenders and reach an accommodation. Citibank does not accommodate even during a global Pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a collection in the amount of {$740.00} on the XXXX XXXX XXXX XXXX account, original account holder XXXX XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License for identification purposes. ) This is military housing and our housing is paid for by allotment. When we vacated the premises there was no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance due. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have repeatedly contacted Goldman Sacks about the account on our credit report. 

They have been advised this is a fraud account and it was not opened by myself. We have files with XXXX, we filed a police report, and we have written and mailed copies of all the above to Goldman.

They have not removed the fraud account from our credit records.

Goldman Sacks does not appear to want to remove this incorrect fraud account they opened without our knowledge or permission
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America Missouri, has caused Financial harm and Financial Deformation, by reporting inaccurate and false information to XXXX. XXXX Consumer ID report number XXXX has caused me Financial harm and Financial Deformation by reporting to Banks inaccurate and false information.
Product: Credit card

care cedit approve me for XXXX and then chg thier mind
Product: Credit card or prepaid card

I applied for a Lowes card on the Lowes site. As soon as I hit send a message popped up saying denied. How can credit be checked in under XXXX seconds? I called the finance company to ask how it was denied within seconds and was told about a {$100.00}. XXXX gift card they were offering. I stated I was not interested and again asked about the denial within seconds. I was told by the employee on the phone that she could not look up my information unless I took the promotional offer. I hung up and I let someone in Lowes credit dept know.
Product: Money transfer, virtual currency, or money service

I did not authorize the Zelle transaction from my XXXX XXXX  account. I contacted XXXX  fraud department. They claim I did authorize it and there is no recourse. The same thing happened with money gram. I have never used either of these services before.
Product: Debt collection

My old place of residency is trying to charge me more than what we originally agreed to what I will pay
Product: Credit reporting

Equifax is refusing to investigate and remove some accounts from my credit report that do not belong to me and correct some accounts that are reporting incorrectly.
Product: Bank account or service

Last year, I took advantage of a Citibank offer of a {$400.00} Cash bonus for opening a new checking account. The requirements were to open a new checking account, deposit at least $ XXXX, and keep the $ XXXX in the account for at least 30 days. At the end of this 30 days, I was promised that I would receive the {$400.00} within 90 days. I opened the account on XX/XX/XXXX, deposited $ XXXX on XX/XX/XXXX, and kept it in the account until XX/XX/XXXX. 90 days from XX/XX/XXXX was XX/XX/XXXX, and I still have not received my {$400.00} cash bonus. I have called Citibank numerous times, but am never able to get a straight answer as to when I can expect to receive my {$400.00}.
Product: Debt collection

a credit card opened for {$600.00} USD with XX/XX/XXXXXXXX credit card was opened, never been paid, became over due with interest fee 's compounding. it eventually went into collection. I tried to dispute this charge and when I call the company they do not have this account on file. I am certain this is fraudulent activity. total fee 's are at {$780.00} USD.
Product: Credit card

I was trying to make payment arrangements with my credit card company because I received a letter in the mail dated XXXX XXXX ( See attached ). I had until XXXX XXXX, 2015 to get in contact with them before they sent me to collections and would charge me an addition XXXX % on top of what I owe. I spoke to someone at AAFES on XXXX XXXX, 2015 about the unmanageable {$470.00} a month payment requested in the original letter. She and I made the payment arrangements of {$210.00} each month for 36 months. After all was said and done I agreed to put it in writing and fax in which I did on XXXX XXXX, 2015. 
The payment arrangements were to start on XXXX XXXX, 2015. When I called them on the XXXX, they had no record of the phone conversation or my fax. They had note that I called in on XXXX XXXX, 2015 to talk about the debt, but then no record of the lengthy phone conversation afterwards. I asked for them to listen to the recording for proof of the conversation. The customer service agent said she did not have access, only her manager. I asked for a manager, but the manager was not in after a ten minute hold. 
I talked with the debt collection company and they were not helpful. When I talked to AAFES they told me to pay them, and not the debt collection company. I can not control if an AAFES employee enters my data in the computer system or not and should not be penalized for her not updating the database with my new payment arrangements.
Product: Mortgage

Diagnosed with XXXX on XX/XX/XXXX and out of work since the Massachusetts XX/XX/XXXX shut down. I notified my mortgage company of my situation in mid XXXX and asked for relief on the following months ahead. I was explained how they would not report any late payments to the credit bureau and couldn't help me because im current on my payment. I called back on XX/XX/XXXX and they told me that i was not on that program and I had to call again to have it put in place, but there was nothing they could do because i was current on my payment. i got the stimulus check and payed XXXX mortgage. I called XX/XX/XXXX to talk about how i could not make XXXX payment, again i was told there is nothing they can do because im current. I then called on XX/XX/XXXX, and I am now late with my payment. I was then told they would send me a letter with my relief options in the mail, in about 7-10 business days. i received my tax return back and payed XXXX late. its now XX/XX/XXXX and i haven't received any letters from them. So i called and explained the back story and now they told me that there is nothing they can do because im current on my payments and no letter was sent out and that there are no relief options.
Product: Credit card

Applied for a XXXX card from discover and denied. Per the information provided by Discover- the XXXX  card does not require a credit score nor does it require a specific level of income to qualify.
Product: Checking or savings account

I received a debit card in the mail for a CashApp account which was concerning as ive never created an account or used CashApp before. I called CashApp customer service and they asked for more information on the card that could result in more fraudulent activity and seemed suspicious. I contacted XXXX and they blocked the card numbers from being able to be used in their systems. I also contacted the bank that issued the account, XXXX XXXX and they said they have no access to the CashApp accounts and cards and offered to send the card number to CashApp to request the account be closed due to fraud.
Product: Debt collection

The inaccuracy wasnt remove. I also offered to make a payment, which was denied!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous complaints about this account XXXX XXXX XXXX XXXX I first asked EXPERIAN to validate this account because I didn't recognize this account. Experian responded saying the furnisher responded by verifying the account. Yet, Experian didn't send me the results of the validation of this account. Once I realized that this account didn't belong to me I filed a FTC report and sent it to all 3 credit bureaus. On XX/XX/2022 Experian responded to my Identity theft report ( report number XXXX ) saying that they wasn't able to honor my request to remove and block this report from my consumer report because I didn't provide proof of my identity. On XX/XX/2022, I sent in documentation to prove my identity. On XX/XX/2022, Experian received this information and but has yet to block this information from my consumer report. Experian excuse is XXXX XXXX XXXX XXXX keeps verifying the account ( not validate ). XXXX XXXX XXXX XXXX can't possible verify an account that doesn't belong to me because this is a fraudulent account. My report currently says under dispute. I demand this account be blocked and removed from my consumer report I have provided the information Experian has asked me for.
Product: Checking or savings account

I am trying to close my checking and savings accounts with Santander Bank. I requested they close the account on XX/XX/2023 and they sent me a confirmation email with a confirmation number ( XXXX ). I was told by the representative at the time that my request would be processed within 2 business days. It has since been 2 weeks and not only is my account still open, no funds in the checking account have been returned to me as I requested. On top of that, an additional monthly fee was charged on XXXX. 

I have since tried to call back, however, they simply keep you on hold.
Product: Money transfer, virtual currency, or money service

My friend XXXX sent me {$400.00} through CashApp on XX/XX/20. He was supposed to send me the money through XXXX by he thought I had CashApp Account. I don't recall when I opened my cashapp account but I downloaded the app again and the money was there. I tried to transfer the money to my XXXX XXXX Account but there was an error and I couldn't do that. I lost my phone a couple of weeks ago and I had to download the app again. Since then I have been trying to access my account and it doesn't allow me to. I contacted CashApp through emails and they requested me my personal information to allow me to access my account. I have informed my address, email, phone number and debit card numbers ( I had to go to the bank to get all the debit cards I had to see if the info would match ). But they keep telling that information is invalid and NOTHING can be done. I asked if they need my documents to prove that's me or maybe send the money back to my friend XXXX but they said NO. Please help me to get this money back. I really need my money.
Product: Credit card or prepaid card

I applied for a XXXX  card with Bank of America. I received an email from BofA on XX/XX/XXXX informing me my application had been received. 

On or around XX/XX/XXXX, I received the first of XXXX credit cards. I immediately created an online account and setup " XXXX XXXX '' on their website. On XX/XX/XXXX, I received XXXX small deposits from BofA that I needed to validate to activate XXXX XXXX. I did this immediately. While the initial payment was due on XX/XX/XXXX, I assumed there was sufficient time for XXXX to work. It did not, and I was charged a {$29.00} late fee and {$16.00} in interest as I had started to make purchases using the card. The initial balance due on XX/XX/XXXX was the annual {$75.00} card fee. 

I called BofA on XX/XX/XXXX as soon as I learned my bill was past due. The agent I spoke to reversed the {$29.00} late fee but did not have authority to reverse the {$16.00} in interest charges. She left a note for a manager to call to discuss the latter fees. 

On XX/XX/XXXX, XXXX XXXX from BofA called to inform me that the bank would not reverse the interest fees. I informed her that I had setup XXXX timely as well as validated the micro-transaction timely nearly 3 weeks ahead of the first due date. She repeated that she would not reverse the fees.

I find this is an unacceptable practice by banks to extract more fee income from consumers when these system features can be activated nearly overnight. Issuing banks have been doing this for years and there is no excuse for them to require 1-2 billing cycles to flip an automated switch.
Product: Debt collection

Collection Agency is trying to collect on a debt that has already been paid in full by Medicaid, the contract ended/was cancelled once it was paid, but yet the agency is still trying to collect a debt that I DO NO OWE THEM, I never entered into a contract with this agency, I haven't received any notification or documentation bearing my signature tying me to this debt, the agency never stated or sent any letters ( dunning ) stating I owe or they were going to put this on my credit report and give me a negative mark,!! I DEMAND THIS ACCOUNT BE DELETED IMMEDIATELY..
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank sent me a letter in the mail indicating that they were going to close my credit card account due to lack of use, and that if I wanted to keep the account open, to reach out to them. I no longer needed the card, so I let it expire, and I got a letter notifying that the account had been closed. 

A long time later, by surprise, I got two cards to activate. So when I called the customer service line to find out what those cards were about, they told me that they re-opened my account 15 days after closing the account. They claimed to have sent me a letter notifying me, but I recall no such letter, and 100 % did not approve any such account re-opening. 

Luckily, there was no activity or fraud, but I assume this affected my credit score in a negative way to have lines of credit left unused that I did not approve to have opened. 

It also seems like a very bad business practice, so I figured I'd report it.
Product: Debt collection

I spent 6 years working on a loan with XXXX XXXX ; went thru XXXX with Ocwen and it was then serviced with PHH ; both lenders ignored my requests. 

Both lenders owe me {$7500.00} for work performed
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX - XXXX, "
Product: Mortgage

My mortgage loan was transferred from XXXX XXXX  servicer ( XXXX ) to new service provider named AmeriHome on XX/XX/2020 but principal loan amount waht new servicer ( AmeriHome ) showing into their system is higher compared to the principal amount it should be. 

As per payment history information I have copy from previous loan provider ( XXXX XXXX/XXXX  ) it's clearly said on XX/XX/2020 Loan Servicing Transferred with principal Amount of {$500000.00} where as on new Loan Servicer company ( AmeriHome ) keep saying and showing principal amount of {$500000.00}. 

I tried to spend few hours on multiple days with AmeriHome support people and send/provide the proof as document ( payment history from previous mortgage servier ) to them as well but they are just throwing me one department/person to other and not getting help at all into resolve this problem as of today XX/XX/2020.
Product: Mortgage

Wells Fargo sold my to XXXX XXXX XXXX XXXX without anyone contacting me or giving me any notice that it was going to be sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim for identity theft. I recently checked my credit and found fraudulent accounts on my report. The following fraudulent accounts are 1. XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX ) The following account is fraudulent, Ive never done business with this company or entered into a signed contract. 

2.. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract 3. XXXX XXXX XXXX {$610.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract. 

The following inquiries are Fraudulent 1.XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Equifax is still reporting an item as belonging to me despite several disputes. I have received letters from the company holding the debt ( XXXX XXXX ) stating that this particular item does NOT belong to me but still Equifax wo n't remove it. They are the only credit company still reporting it on my credit. I 've tried calling, disputing, filing a complaint and after 6 months, it 's still there. Feeling very frustrated with this process and lack of communication on Equifax part. If they would pick up the phone and call XXXX XXXX, this could have been solved months ago.I am appalled at the process to remove an incorrect item. Most people would have given up or spent thousands of dollars using an agency to remove something like this. It should n't be that difficult. I HAVE PROOF from XXXX XXXX that the item is NOT mine. Ridiculous that Equifax ca n't obtain the same information and get this removed.
Product: Checking or savings account

Someone was using my account for checks and it was me my checks was stolen when my house got broken into
Product: Bank account or service

My electronic tax return and refund ( {$550.00} ) was submitted to IRS on XXXX/XXXX/2016 by my tax consultant ( her XXXX information is noted within my attachments ) and IRS electronically sent to my checking account on XXXX/XXXX/2016, however it never reached it. IRS records show it was deposited into my checking account on XXXX/XXXX/2016. Upon further research, I discovered it was deposited in an account at J P Morgan Chase account with my name referenced on the deposit. The wrong routing and account numbers were placed on my return by my tax consultant. ( I will attach both the wrong and correct routing and account numbers for your review. ) The IRS sent an inquiry to J P XXXX Chase and the answer returned required IRS to submit a letter of XXXX request to have the funds returned. IRS refused to comply and closed my case. I have been waiting patiently since XXXX XXXX, 2016 to receive my tax refund to no avail.
Product: Debt collection

XXXX XXXX on XX/XX/XXXX added a old debt that the original company knew it was reported as fraud they attached it to my credit profile as a debt collection I told them to remove the debt collection of XXXX of my report from a matrix master card
Product: Credit reporting or other personal consumer reports

My SSN on Equifax is incorrect. I have provided ample evidence but it was not fixed on my initial dispute on their website.
Product: Debt collection

As per Michigan Compiled Laws MCL specifically XXXX XXXX it is unlawful for a collection agency to engage in debt collection activites without proper licensure in the state.
Product: Credit reporting or other personal consumer reports

This is my formal complaint to EXPERIAN. I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the bureaus. They have advised me that they will conduct the investigation for the status on my accounts however, as I reviewed my recent report nothing has change, incorrect and inaccurate information are still reported. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.