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

I found on XX/XX/2020 that a hard inquiry was made on my credit report given by Transunion. The hard inquiry made by XXXX XXXX XXXX, is an unauthorized inquiry. I have not opened, nor applied for any lines of credit in the past year. I want this hard inquiry removed from my credit report.
Product: Debt collection

I worked for XXXX as an XXXX  XXXX. The company required us to have a credit card for required purchases. When I left the company, there was a delay in them paying off the debt. This card has been paid and has a XXXX balance. XXXX XXXX XXXX  calls on a bi-weekly basis attempting to collect on this debt. I have now communicated to them three times that there is no longer a debt. They continue to call me and use names like deadbeat, and ask where they can direct legal documents ( implied threat ). I have also filed to be on the National do not call list. I have asked them to commutate by mail, I have asked them to put me on their do not call list. The calls continue.
Product: Credit card or prepaid card

Good day. 

Please note that in reference to my CFPB Complaint # XXXX, I have now received a Decline Letter from CitiBank Best Buy after they informed me I was approved with a counter-offer. This is now unacceptable banking practice. An approval with a counter-offer is a DECLINE? This is just indicating to me that they do not know the difference between an Adverse Action Counter-Offer and a Decline over there. This is unacceptable banking practice. 

Furthermore, the decline letter has 4 adverse reasons... only 1 of which was communicated to me on the phone. The rest of them I just don't understand at all. The adverse reasons I list below. " Proportion of loan balances to loan amounts is too high? '' My revolving debt utilization is presently 5.5 %. Therefore, " Proportion of loan ... '' must be referring to my mortgage ( term debt ) - and that shouldn't be a reason for selecting " Proportion of loans balance to loan amount '' because it's term debt. Principal balance on mortgage debt will also be the credit max on mortgage debt because it's term debt not revolving debt. Even if Proportions of loan balance to loan amount were a system selection, they should know to deselect it. This is unacceptable banking. 

_Length of time revolving accounts have been established????? 
_Too many accounts with balances???? 
_Time since most recent account opening is too short. ( This doesn't change 5.5 % utilization ) _Proportion of loan balances to loan amounts is too high???? 

This is very scary. So was CitiBank Best Buy lying to me on the phone about a counter-offer? Or are they lying now about a decline? Where is the transparency in all this? And as informed as I am, I'm still confused. I can't imagine how confused this would be for a customer less informed. This is wrong. This is unacceptable banking practice.
Product: Credit reporting or other personal consumer reports

This company XXXXXXXX XXXX ' has been falsely reporting incorrect, false information on my credit reports for five years. I was an identity theft victim. This company was notified several times, they were informed about the unauthorized opened account. They closed the card, however closed the account as a charge off on my credit report. They were supposed to close the card and remove, they instead closed the account as a charge off unpaid as if they didn't know this was due to fraud, they have also sent a 1099 with no investigation. XXXXXXXX XXXX is falsely reporting errors on my report!!! 
I have sent them the required and relevant correspondence. They have received the police reports, the dispute forms, my identification, my disputes from the 3 bureaus of XXXX, XXXX, Equifax also notified them. The NY attorney General notified them, the CFPB has notified them, they are not investigating legally, they are continuing to report inaccuracies on my file. They are in violation of the F.C.R.A. 
XXXXXXXX XXXX XXXXS ILLEGALLY REPORTING FALSE, INACCURATE INFORMATION OM MY PERSONAL CREDIT FILE. THEY WERE TO REMOVE AND DELETE THE ITEMSS ONCE THEY WERE NOTIFIED ABOUT THE FRAUDULENTLY OPENED ACCOUNT THAT WAS UNAUTHORIZED, THEY SAID THEY WILL CLOSE AND REMOVE THE ACCOUNT DUE TO FRAUD, EACH TIME THIS IS DISPUTED THEY PUT IT BACK. XXXXXXXX XXXX HAS NO INVESTIGATION PROCESS IN WHICH I AM LIABLE FOR THIS ACCOUNT. THIS HAS TO BE REMOVED FROM MY REPORT THEY ALSO WERE REPORTING TO AN ADDRESS I WASNT ASSOCIATED WITH, ONCE I GAVE THEM MY ADDRESS ( FOR PURPOSES OF THEM MAILING ME DOCUMENTS REGARDING THE DISPUTE, THEY CHOSE TO REPORT MY CURRENT ADDRESS ILLEGALLY, THEY HAVE NO ACCOUNT OPENED AT MY ADDRESS OR PERSONAL INFORMATION IN XXXX  AT THE TIME OF THE FRAUD. NOTHING MATCHED BACKED TO ME IN THEIR INVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to two reps and a supervisor on XX/XX/XXXX with Transunion and was advised that they received my dispute XX/XX/XXXX, however they did not update my information or forward the information I provided to the appropriate department. They did not know why it was not worked on or updated when they received it.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX, I disputed the entry from XXXX XXXX XXXX on my credit report. Equifax conducted investigations for XXXX to 4 days and responded by confirming that the medical debt had been verified. I have stated that the collection agency is fraudulently reporting an unethical medical debt to my credit report. Due to the character limit in the dispute section, I was able to explain that I am a recipient of the Illinois XXXX XXXX and that this debt originates from an XXXX XXXX XXXX. My health plan, XXXX, paid the collection in question on XX/XX/XXXX. Furthermore, this debt is a surprise bill, and under Illinois law, I am protected from being charged any balance. I filed a formal complaint against XXXX XXXX XXXX on XX/XX/XXXX ( Complaint # XXXX ). However, XXXX XXXX XXXX has not responded to the complaint nor provided any legal justification for reporting this debt to my credit profile. Despite these facts, Equifax has failed to comply with applicable laws, including the No Surprise Act, which protects me from balance billing. I have not received any documentation from Equifax regarding the steps they have taken to investigate this matter, nor have they provided a legal justification for their continued reporting of this disputed collection. Therefore, I request that Equifax fully investigate the validity of this collection entry, in compliance with the law, and remove the inaccurate and fraudulent report from my credit profile.
Product: Checking or savings account

I made an online checking account with chime I opened it on XX/XX/2023 and on the the same day my account was closed on me. I have been trying to get access to my funds for two months I tried calling multiple times every time I talk to someone from the support team to talk about my account situation and Im told they cant do anything about my account only the review team has the power to make a decision about my account I tried to email the review team and I ended giving out information about me multiple times and they should have received more than enough information to help me verify my identity I even shared my bank statements to prove where the deposit came from. Its been two months and I still dont have access to my funds I talked to someone over the phone with someone from my original bank to talk about talk about closing down the account and I should of had a closure check and they told me they were in the middle of processing it so I wait about a month and I havent received anything so I call again and the money I was trying to get back was still stuck in my account that I dont have access too. I already tried reaching out to the company but they havent been able to get back to me so Im writing this so I can get information on how to get my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I placed a freeze on my credit with Experian. I did not get a confirmation email stating it was in place as I should have. I tried to find a way to contact them to get a verification email, however, there is no way to talk to a person there. It just keeps giving you the same automated information.
Product: Checking or savings account

Bank of America sent a bill to my address in XXXX for maintenance fees in the amount of XXXX. I called BOA fraud department to let them know, I do not have a BOA account. She said it was open at a branch. I told her, I live in Idaho and we do not have any BOA locations to go into a branch. This account is Fraud. I received another bill in XXXX and in XXXX. I called in to file fraud. The rep said the account was forced closed. I said it was fraud it needs to be closed as fraud not forced closed. This will impact any banking credit checks. I asked for details when, where and location and if any money flowed through the account. I wanted to report this to Dept of Finance and Attorney General and all other agencies. I was transferred 5 times and the only answer I received is : Open : XX/XX/2019 Email : is XXXX I do not have an XXXX email and no one was able to provide branch location, city or state. 
I can not get any help from BOA to close the account and fraud and remove the account out of my name.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX of 2024, around XXXX AM in the morning I called Chase Bank to activate my new business debit card when I called to activate my card they told me they can not activate the card because there was a XXXX hold of {$300.00} in my account. I let them know that that charge was not done by me because my business account was XXXX week old and I just received my debit card.. then they transfer me to his supervisor which then explained that they will need to lock my account until the issue was solved. After he made this comment, he ended the call since I was at work I said to myself I will give them a call back later during the day. Later that day, I noticed that why transfers were made from my business checking account and my personal checking account. The wire transfer that was made from my business checking account of {$3400.00} plus {$25.00} a while transfer fees then also another wire transfer was made from my personal checking account of {$1200.00} and {$3200.00} plus a {$50.00} wire transfer fee. Immediately when I noticed this, I called the fraud department of Bank to let them know that these transfers were made from my account to XXXX XXXX bank. The response was that I was going to receive my money back within 3 to 5 business days during the week I called them again the following Tuesday And their response was that they were not able to retrieve the money from XXXX XXXX so I was not gon na get my money. I specifically explain to them that I am the one being held responsible for all this money when our transferred were made from my account without my knowledge. And their response was they have no control of the other bank situation. And I specifically explain to them that these chargers are holding me back from my business and my personal life because I can not pay my employees or take care of my family especially my daughter, and they didnt even care. so I decided to take legal actions towards this situation because I will not allow anybody to have access to my money that I have worked so hard for.
Product: Consumer Loan

I am behind a payment. I contacted Ally to make arrangements, they told me that they could defer XX/XX/XXXX and move XX/XX/XXXX to the end of the note and that my next payment would be XX/XX/XXXX, provided that I make the XX/XX/XXXX payment. This payment was made and all was well. In the first week or so in XX/XX/XXXX I received a call and was told that the agreement was not for XX/XX/XXXX/XX/XX/XXXX but for XX/XX/XXXX/XX/XX/XXXX and that I was late. I told them that I took the opportunity to pay off other commitments in order to avoid this in the future and that payment would have to wait until XX/XX/XXXX. ( both XX/XX/XXXX and XX/XX/XXXX would be paid then ) since then I have received daily phone calls. They state that they need information but I have given them the same information every time. It is clear that this is no longer about communicating but about harassing me. Arrangements have been made in good faith, even after they change the original agreement without my knowledge.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed a copy of my credit report and noticed several inaccuracies that are negatively impacting my ability to obtain credit. I understand that credit bureaus are required to investigate and ensure the accuracy of the information they report. 
also credit profile is not updated Under 15 U.S.C. 1681i, credit bureaus are required to investigate and correct any inaccurate or incomplete information within 30 days ( past still not updated. Additionally, under 15 U.S.C. 1681e ( b ), consumer reporting agencies must maintain the maximum possible accuracy in reporting data. If the disputed information can not be verified, it must be promptly removed from my file. I also request a 1099 form as proof of validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

for the past year, my Equifax has been stuck on the same score nothing about it has updated or changed. I was hoping you all can contact them and handle the matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account name : XXXX  XXXX XXXXXXXX XXXX  # XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written
instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven yea
rs.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Checking or savings account

Dear Sir/Miss, I got the below offer from Citi bank XXXX XXXX XX/XX/XXXX. 

XXXX XXXX XXXX XXXX {$5000.00} - {$14000.00} {$200.00} {$15000.00} - {$49000.00} {$400.00} {$50000.00} - {$190000.00} {$700.00} {$200000.00} and above {$1500.00} I choose XXXX XXXX {$700.00} bonus. I called to Citi Bank XXXX and opened a checking account ending XXXX on XX/XX/XXXX. The lady who opened my checking account told me that i will get {$700.00} bonus in 3 months. Then I transferred {$51000.00} from XXXX XXXX  XXXX XXXX account to citi bank to earn this {$700.00} bonus in XXXX months. I did not get that bonus in 3 months then i visited NY Citi bank branch, They told me that i will get it by XX/XX/XXXX still I did not get the bonus. Then I called more than XXXX times to Citi bank. Every time they said, I will get my bonus. However, i never get it although it is already 7 months. While I chat, while I called they always told me that they create a new XXXX Citi bank is lying to me too much keeping my hope but I never get my bonus. I have still my money with Citi bank. I deposited for 3 months to get a {$700.00} bonus, I have not get it as of now. It's already 7 months. XXXX i request your kind support to arrange {$1400.00} bonus from them since they already kept my money for more than 3 months? 
Please let me know should you need additional information. 
I look forward to your kind support. 
Happy new year XXXX. 
Best Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi, On both dates XX/XX/XXXX and XX/XX/XXXX XXXX received an email from Chase saying Thanks for requesting a new credit card, also received an Hard inquiry on credit karma. This was NOT me requesting any credit cards. I immediately called Chase at XXXX reported the following and they " solve it '' on there end and closed the account and send me some mail with a reference number saying that they apparently solve it. On XX/XX/XXXX I called XXXX, XXXX and XXXX to make sure that they can solve anything and to take out the hard inquiries out of my credit. They all told me that they were going to put a freeze for 1 year of fraud alert. But now today XX/XX/XXXX I received a other notification from credit Karma notifying me of another hard inquiry from XXXX XXXX  which I DID NOT request. I will be calling XXXX XXXX on XX/XX/XXXX to make sure this is not an problem again because I did not request anything with them today. I just want to get to the bottom of this because its getting to out of control in a small amount of time.
Product: Debt collection

I have contacted this company in writing twice as well as through the XXXX demanding debt verification from the collection agency. They did not respond within 30 days stating they needed more time to verify the debt as required by the Texas XXXX. They sent only a bill via usps, not the complete debt verification as requird through the Texas XXXX. Account brokers has consistently violated the Texas XXXX XXXX, as well as ignored my demands XXXX. 

I dispute the validity of this entire debt. I request validation of this debt per Texas XXXX XXXX. I have disputed this debt with the credit reporting agencies and you continue to validate it without providing the information I have requested. Please note XXXX are bonded in the state of Texas and are required to comply with Texas XXXX XXXX if you fail to meet code requirements. 
Delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. XXXX ( d ) ( XXXX ) For the purpose of validation provide me with : The name and address of the original creditorThe original date of default or non-payment of the debt with original creditorThe date the debt was transferred from the original creditor to the third party debt collectorThe original balanceThe current balanceAny fees added by your agency. Sec. XXXX ( a ) ( XXXX ) Texas Surety bond information as required by Sec. XXXX am invoking Texas XXXX XXXX XXXX CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. 
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. XXXX ( a ) ( XXXX ) Please reply with your response vis XXXX MAIL. 
Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. XXXX. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Product: Credit reporting or other personal consumer reports

I have been trying to get Experian to correct my personal consumer report but they refuses and continues to furnish inaccurate and unverified information on my consumer report and file. I am in the process of taking control and securing my personal and private information. This massive data breach has exposed my information and I am very concerned with inaccuracies on my report. Please address this matter. Attached is a notices for demand Experian to remove all items within attached notice.
Product: Credit card

I have received calls from the same credit card company upwards of four times PER DAY.
Product: Credit card or prepaid card

I signed up for Uber credit card (XX/XX/2020 ) under a promotion. The promotion stated that if you spend {$500.00} in 90 days you would receive {$100.00} bonus in Uber Cash. After receiving the bonus it prompted me how to redeem and use the Uber cash. On the XX/XX/2020 I followed the prompts as follows : Transfer your bonus to your Uber Cash Account. Download app and install to your phone. Login into your account in the app and use Uber Cash to order Uber XXXX. I ordered Uber XXXX   and received my food. To my surprise XX/XX/2020 my credit card was billed. My Uber Cash seems to be just virtually sitting out in cyber space as it seems to be just out there untouched. 


I contacted them about this and explained what happened. I talked to 5 different people and none of them could resolve this. I was so frustrated I closed my account.
Product: Checking or savings account

XX/XX/2023. I am being denied access to {$110000.00} of funds in my checking and savings accounts and permanently locked out of my account with no recourse after moving back to the United States because I have a new phone number. I am being told its for my own protection. I have been a member of USAA for 26 years. I am a military veteran and dependent. We are on military orders to move from XXXX to XXXX XXXX, XXXX After arriving in the XXXX  , I called USAA to ask how to wire money from my account to buy a car. I was told they could not verify me because my phone number changed ( XXXX phone numbers do not work in the XXXX, they apparently do not know this ) They would not verify me through security questions or my online password as they always have in the past. I was told to call back for verification and security questions. I called over and over for about five hours until I realized they just locked me out of my account. I was never asked any security questions nor asked my password. When I offered every bit of information I could think of they just kept telling me their computer had No security questions for me. They repeatedly told me there was nothing I could do but get a code from a text they sent to my XXXX phone number which I no longer have. They would not give me the option to send the code to my email. I can not access about {$110000.00} of my own money and I have no recourse with them. I need help, I have no money, and my husband is still overseas for two more months. This bank should be investigated for theft of funds.
Product: Debt collection

I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, XXXX XXXX XXXX, who sent the last bill to my current address. There was an account number XXXX for Comenity Bank/XXXX XXXX. The XXXX XXXX XXXX is number for the account is XXXX. The balance was written off as {$790.00} as of XX/XX/XXXX. I disputed this in XXXX. So, I have attached a fraud affidavit & This account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the XXXX account number is XXXX. This Comenity Bank/XXXX account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached #