23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I used robinhood to make a transaction to a friend for clothes for around XXXX worth of XXXX They restricted my account for fraudulent reasons so I contacted robinhood and they put me on a a call list and after a couple weeks they called and asked me if the transaction was me and I told them all the details and how everything was me and they said okay still needs to be investigated and they never called back and Ive been on the call list for weeks now and I sent a email say When will this be resolved and they said the case is already closed even tho I been waiting on this call for weeks and my account is still restricted and it has been the most frustrating thing to deal with having to get little to no help from there team
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX  Account number : XXXX I requested a thorough re-investigation on XXXX XXXX via certified mail for all 3 credit bureaus. This account is mine. My wife opened it up in XX/XX/XXXX as suggested when we were applying for a mortgage. I am only an authorized user. I did request that all dates, balances, numbers, payment history, etc. be verified and updated from all 3 bureaus, but there were inaccuracies still found on the new credit report for XXXX XXXX, XXXX. A few being that XXXX shows absolutely no data on the report, only on payment history, which are violations automatically. Balances, Date last reported, High credit, Credit limit, and all are not being reported the same from each bureau, which makes every line a violation according to FCRA. The account is paid in full by due date every month since weve had it, but XX/XX/XXXX and XX/XX/XXXX is not showing any data for it. Not only that, but my wifes credit report that was pulled also on both dates ( XXXX XXXX and XXXX XXXX ) is showing differently than whats reported on my account for XXXX XXXX 

Im not asking that the account be deleted, just corrected, and monetary relief for the violations. It seems small, but because of credit issues, I no longer have a home for me and my family. I was denied housing because of all the inaccuracies on my credit history. Its been well over 30 days now, and the latter credit report is worse than the previous credit report. 

Tracking Number : XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) : XXXX XXXX XXXX XXXX XXXX XXXX ( Experian )
Product: Debt collection

I have an old account with XXXX in which I owe {$1500.00}. I previously listed a person who I was dating as a reference. I'm no longer with the person and want no contact. I started receiving letters in the mail thanking me for my payments. I assumed it was in error. However, they discussed the amount I owed along with other personal information they had no right discussing with this person. They allowed him to set up recurring payments. This was a direct violation of my rights and I've already contacted my attorney. I have proof from my ex boyfriend and printed documents of the transactions drafted from his bank account.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX is still reporting a collection to my three credit bureau reports that is INVALID. There was a mix-up with my social security number and somehow someone with the name XXXX XXXX ' defaulted account was associated with my social security number. I was never involved or in any way responsible for this debt. I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and have sent a letter to them requesting they remove this INVALID debt, yet they continue to report it. I have attached my identification documents to prove my name and social security number as well as the trade-line of the collection from my reports, and the letter I sent to XXXX XXXX XXXX XXXX XXXX XXXX. This has been adversely impacting my credit reports and my ability to get loans for years now and demand that this invalid debt get removed from my credit reports immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against XXXX XXXXBalance : {$240.00}.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report.
Product: Credit card or prepaid card

Citi bank Credit card closed by the bank even though I have an existing balance and have never been late on a payments, then Citi bank send incorrect information to my Credit report saying that the account has been closed by credit grantor. It takes hours to get the right person who can't even tell you why this has happen.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$7400.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information being reported on my consumer credit report regarding a charged-off account. The account in question is listed as follows : Creditor Name : XXXX  XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I opened an online dispute with Experian with regards to the accuracy of the bankruptcy they have listed on my report. I specifically disputed the court name and the reference number of the bankruptcy. On XX/XX/21 I also uploaded dispute documents on experian.com/upload and received confirmation that documents were uploaded. On XX/XX/21, I received a response stating that the information reported is accurate. I proceeded to call their dispute center and on my first attempt, I was greeted by a very belligerent agent named " XXXX from the XXXX team '' who was very unprofessional and refused to transfer me to a supervisor, after giving me some confusing answers. On my second attempt, the agent was more professional however, he told me that he had to transfer me to the department that would be able to see the documents I uploaded. It just so happened that the person he transferred me to was just another one of his colleague, who was definitely more professional and confirmed to me that there's no such department. 

He told that he could not see any of the documents I uploaded which leads me to conclude that 1/Experian did not care to verify the documents I uploaded to support my dispute and upload them into my profile ; 2/ I'm seriously concerned about their statement that " The company that reported the information has certified to Experian that the information is accurate. ". It shows that they did not actually investigate the disputed items because I did upload proof that their furnisher of the bankruptcy removed the erroneous bankruptcy item from their report, as they were reporting it inaccurately. So this is a blatant lie. 

If this isn't proof that they did not bother to actually investigate this dispute, then I don't know what it is. I sent those same documents via mail on XX/XX/21 however I doubt the outcome will be different. 
I have reached out to their furnisher of the bankruptcy and I was told they did not receive an inquiry from Experian to verify the bankruptcy however, they have submitted a request for a " manual verify ''. I reached out to Experian again and the person I spoke to just reopened another dispute. At this point I'm not confident they actually investigate these requests. 
It seems like I don't have any options other than taking this matter to the next level.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to TransUnion several times about their reporting ; as of today, there have been more errors with Transunion reporting. They are reporting a late payment as recent as 8 months ago. I've ordered my report and saw no late payments within the last 2 years. I checked every reporting agency to see if an account was listed that I wasn't aware of and it's the same account notated in my previous complaint. However, nothing is showing me the late payment history or account that's flagged as late 8 months ago. This is causing hardship for me due to inaccurate reporting of payments. I've reached out to current and old creditors and they confirm that there is no late payment within the last 8 months. I've mailed documents and submissions through the mail with a response of " we have not received any documents ''. I've added them to my complaints and none of the steps outlined by TransUnion has worked. Please either update my record to reflect that I have not been late on any payments within the last 8 months or verify which account has reported this.
Product: Debt collection

Your company did not validate the debt, you sent me a list with my XXXX  procedures which is a violation on HIPPA! Not to mention that is NOT my signature on that document!! I tried to handle this the correct way, but I will have to get my attorney involved. Not only is HIPPA against the law, falsely signing documents is a criminal offense. I want this removed from my credit report immediately!
Product: Checking or savings account

Good afternoon, My concern is with how checks still showcase the entire account number, routing and customer information. I have worked in the XXXX XXXX for over XXXX and understand the importance of redacting customer information yet our checks still showcase all customer information. 

I believe this needs to change and be brought up to speed with other regulations related to customer privacy and information security. 

Thank you.
Product: Credit reporting or other personal consumer reports

companie ( s ) reporting inaccurate information
Product: Bank account or service

I have a checking account with Citibank. I deposited a check in the amount of {$2700.00} from a publishing company on XXXX XXXX, 2016. The bank would make only XXXX cents of it available on that day. Then it made {$200.00} available on XXXX XXXX, and {$400.00} today, XXXX XXXX. They called a " standard delay ''. 
Citibank never informed me of this " standard '' and never used to do this in the past. 
This policy caused a depletion of my funds to such an extent that my wife and I could not check out of the grocery store. 
Not only should this policy be reversed, but Citibank should also pay us a compensation in the amount of the check, and pay the Federal Government a fine for defrauding its customers. Citibank and other banks should be prevented from using the money from my check while withholding it from me.
Product: Debt collection

Transworld-XXXX XXXXXXXX XX/XX/2022 amount owed was paid. However, the company reported that i was still delinquent on the account. This is a false report and its affecting my credit score and my means of living.
Product: Consumer Loan

I lost my job at the beginning of this month. My bill with Conn 's was due on the XXXX. I do n't have the money. I 've received XXXX phone calls this week. XXXX of them TODAY. I have spoken to XXXX different people in total. I made them aware last week that I could not pay and can not make payment arrangements as I have no guaranteed income at this time. Today I was informed they will continue to call me until I pay them. That there is no limit to how many times a day they can and will call me. This is pure harassment. All this is doing is making an already stressful situation worse and keeping my phone tied up while I 'm trying to look for work.
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan account balance is incorrect. It shows balance total on my credit report is {$11000.00}. It should be {$6200.00}. I can not get trans union credit reporting to correct it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have BJ 's perks MasterCard issued by Comenity Capital Bank. 
On XX/XX/2022 this account was paid in full. 
Payment posted XX/XX/2022, according to online account service. 
On XX/XX/2022 this account was reported to Credit Reporting Agencies, without reflecting this payment. 
After XX/XX/2022 reporting stopped completely. 
Today is XX/XX/2022 and my credit report still shows a balance of {$2700.00}, while balance on their website shows negative {$11.00}. 
This misreporting hurts my credit score a lot. I notified them multiple times regarding this error, by phone, thru secure messaging on their site and disputed this information with credit bureaus. 
Also they were notified that I'm applying for mortgage and this incorrect information hurts me a lot. 
Few banks declined extending mortgage to me, based on the credit score shy of just few points of threshold. 
If Comenity reported correct information in timely matter - bank would approve my mortgage. 
Additionally it hurts my business, also, since I am unable to be guarantor for new truck order, because of this BJ 's MasterCard account not being reported correctly, and lowered my score. 
It is ONLY account with balance on my report.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

XX/XX/2022 I woke up this morning and checked my chime account and it was closed no emails no notice at all i called and they wouldn't even connect me. Now chime has my direct deposit from ssi am XXXX i have been chime member for over 8 years there's no reason to do this to me. 
Now am looking at Eviction and everything here shut off
Product: Credit reporting or other personal consumer reports

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Product: Debt collection

In Court, the Collections Bureau representative admitted that they filed a lawsuit on a claim that was OVER the statute of limitations. I have the recording of the court proceedings where the representative admitted to filing it falsely.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was going over my credit report and there are several accounts that were closed and written off XXXX and the legal statue of limitation has ran on any legal collection of debt claim very old accounts XXXX XXXX XXXX  state that the accounts were opened in XXXX and that is not true at all. That the year they bought the old debt. This agency has some how went into court on a fraudulent Service of summons which they served paper at a home address that in no way is my home address at all. They never contacted me in anyway during the legal debt collection term,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I have a a unverified account from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, This company has sent out a UDF form please update and delete.XXXX XXXX XXXX XXXX # XXXX, This account is a duplicate please delete XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I have filed several complaints witout any responses it has been past 30 days. I need all 4 accounts deleted asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Mortgage

Good morning, so I entered into a forbearance plan couple months back, and have now several times getting off the forbearance with no success, I even had a rep tell me it was ended to then make a payment later realizing it was not ended in fact my payment was spread out somehow that I can not see how, due to the way the page looks when you are under a forbearance. I have called 3x to 4x now trying to get off of it, with no luck I have gotten 2 answers from reps stating manages have gone home for the day and can not approve at moment to then be told I can receive a call back the next day and never received one.

I am not sure how this is to play out if they wont call and I can not get straight answers when dealing with them on the phone line. I have been wanting to make a pmt of half of the XXXX I owe, am staying in the property as I have been and explained I'd like to get onto repayment plan in which case a pmt would be made as soon as I ended the forbearance, to no avail I'm still stuck in this situation with them and don't know what to do, please advise!
Product: Credit card

TD BANK USA/TARGET XXXX XXXX XXXX XX/XX/XXXX Revolving credit limit {$400.00} Activity designator Closed Date reported XX/XX/XXXX Charge off amount {$880.00} NO ACTION HAS BEEN TAKEN BY COMPANY TO RESOLVE
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed 4 erroneous items from the consumer report that are falsely reporting by Equifax. It has been over 30 days since the dispute cases opened. Some odd reason the confirmation for those disputes is not available online in an " Under Review '' status. I've called numerous times with no answers as to why it is not showing the confirmation number. I know I submitted this dispute late XXXX or early XXXX. Guessing between XXXX XXXX to probably XXXX XXXX. It is XX/XX/XXXX usually a respond is made before 30days.

It currently says no disputes are opened online. When I call in there are open but, I'm also unable to open a dispute on the items as they are already under dispute but, the portal claim otherwise.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX Collection {$3800.00} XXXX XXXXXXXX Charge-off {$1400.00} XXXX XXXXXXXX Collection {$270.00} XXXX XXXXXXXX Charge-off {$210.00} XXXX XXXX XXXX XXXX Inquiry {$0.00}