23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Citibank stopped providing me access to my accounts. They disconnect calls to customer service after hours of wait time, transfers and do nothing representatives. They have not replaced my expired debit card. After months of harassing emails to switch to paperless, I agreed. Now I do not know my account number nor the address registered to the account. I have moved from XXXX to XXXX. They will not help me regain access to the XXXX of dollars I have on deposit. I just want to have access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I XXXX XXXX XXXX have a right to the fair and accurate reporting of my credit information. 

In accordance with the Fair Credit Reporting act XXXX  Account # 's XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, Account Info Reference Number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to obtain a loan from XXXX but I was denied the loan. I then requested my credit report which identify TD Bank USA/Target credit card account.I am stating categorically that ever since, I never use store credit card apart from XXXX XXXX  credit card.Again my bill always pay in time.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX - XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - {$0.00} Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Employers : XXXX  Employers : XXXX XXXX
Product: Credit card or prepaid card

I had the XXXX XXXX Mastercard that was converted to Capital One. I was issued a new card when the account converted but I never registered for an online account with Capital One. 

On XX/XX/2020 I made a {$3.00} purchase to keep my account active. 

On XX/XX/2020, my credit monitoring went off with a late payment notification on the card. I searched my e-mail and never received a statement notification nor any late payment notifications. I called Capital One and spoke with a representative who waived the {$12.00} interest charges and late fees on the {$3.00} purchase. I made a payment for {$3.00} ( payment # XXXX ) and then was connected with tech support. 

Tech Support verified that I couldn't have received the statement notification if I wasn't signed up for an online account and advised me to send in a letter to their credit reporting department to resolve the derogatory remark. The technician also signed me up for online account access that day - the e-mail registration is attached. 

I mailed in the letter and received a phone call 5 days later from a representative who had listened to the call recordings and researched the account - but Capital One 's system shows that they did send a statement notification to my e-mail and sent me text messages, auto-dials, and e-mails that my payment was late. I never received any of these communications.
Product: Credit card or prepaid card

Hi, CFPB folks. 

The short of it : Having withdrawn my EIP credit from Money Network XXXX XXXX, I now want to close the account. But no method of closure is mentioned by either party, nor do they provide a way to reach a human by phone or email, nor did I get any response to my written request to their address-of-record. 

The history : In XXXX, I get an unsolicited debit card with letter ( from Economic Impact Payment Card '' says the front of the letter ; from Money Network Financial on the back of the letter ). No alternate way of getting the EIP credit is mentioned anywhere in letter ( or websites ) so I activated the card by phoning number provided. I also created online account, reluctantly. I used it to arrange an ACH transfer to my bank. The transfer arrived XXXX XXXX. 

But try to close the XXXX account? Impossible to find method to do such. Not mentioned on any website I can find, nor by calling phone numbers provided. No human can be reached, by phone or email. 

Most alarmingly, no response comes even after I send a letter to Money Network Financial at the address provided on original letter sent to me. So I'm left wondering : Are they not required to close the account if I ask? Are they not required to respond to me saying they will or won't close the account? Is it even my account, or is IRS the account owner in this case? 

PS. I understand there are good reasons for sending debit cards rather than checks, but a check would have been my preference. I have no interest in creating new accounts at new financial institutions. I am alarmed that XXXX XXXX Money Network Financial received personal information from IRS ( and from me, during the activation of the card ) and now will not even acknowledge my request to close the account.
Product: Credit card

I received a Cash App credit card in the mail that I did not request. I have had identity theft over a year and a half ago and I have fraud alerts on my credit report that required financial entities to contact me prior to approving or extending credit. Other companies have followed this protocol but Cash App extended the credit without my authorization. I contacted CashApp to report the fraud, but couldnt talk to anyone in the fraud department without sending them and email with a laundry list of details. it took a week and a half for them to respond to my second email and now they are requesting I take a picture of the front and back of my drivers license and a picture of myself holding the drivers license and providing the last four digits of my social security number. Why am I having to jump through hoops when it was their company that did not follow the protocols that are in place to protect fraudulent credit applications and I do not feel comfortable sending them my drivers license and a picture of myself holding the license.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Product: Credit reporting or other personal consumer reports

Re : Complaint ID XXXX Dear CFPB, I am writing to urgently seek your assistance regarding unresolved and ongoing issues with my credit reports, despite my repeated attempts and filed complaints. My previously filed complaint with Experian, dated XX/XX/year>, remains in an OPEN status. According to your guidelines, companies generally respond within 15 days and provide a final response within 60 days. However, it has now been 48 days, and I have yet to receive any correspondence from XXXX. As per the Fair Credit Reporting Act ( FCRA ), reinvestigations should be completed within 30 days. XXXXXXXX XXXX failure to respond within the stipulated time frame is a clear violation of these guidelines. 

However, upon checking and comparing my previous and current credit reports, I found that no updates have been made at all. The discrepancies and inaccuracies in my credit report remain unchanged, which is causing significant distress as I am seeking more favorable job opportunities soon. The continuous reporting of inaccurate information on my credit file is unjust and detrimental to my career and financial well-being. 

Despite numerous letters and evidence provided, these errors persist in my credit reports. The details of these discrepancies are discussed in my attached letter, along with screenshots as evidence. 

Given these issues, I kindly request your intervention to expedite the resolution of these matters. The failure of Experian to comply with FCRA guidelines and correct the inaccuracies in my credit report without further delay is unacceptable. 

Thank you for your prompt attention to this matter. I look forward to your immediate assistance in ensuring that Experian comply with FCRA guidelines and rectify the inaccuracies in my credit reports. 


Sincerely, XXXX XXXX
Product: Credit card

I owned two citi bank credit cards for long time. Last XXXX, they closed my accounts without any notice, and confiscated all my rewards stored on the card, around XXXX XXXX
Product: Debt collection

I am being garnished by Pioneer Credit Recovery XXXX, NY. They represent XXXX XXXX XXXX XXXX, The notice of Garnishment was sent to my old address. They started garnishment XX/XX/XXXX to my employer. I was told that they would not take my tax return as they have done in previous years since I was being Garnished. I was also told that if I put a payment plan in pace that the garnishment would stop in XX/XX/XXXX. Now they say XX/XX/XXXX. The number they refer me back to is un -manned and even before the Covid outbreak. I called at least 20 times and never could speak to anyone or leave a message that was returned and it has been 4 months. I think that my tax return should be refunded by Illinois XXXX XXXX as they took my take return with a garnishment in place as I was told. to me as I am being garnished and have a hardship payment plan in conjunction as I was told. Now XXXX knows what I should do and they say they can not help me. It is what it is. I gave permission to my mother who works is the industry and they told her the same untruth.I have XXXX small children and they have rendered me indigent, I was also told that there was no way to file a motion to ask the judge fofr a lesser payment. Now I am going to hardly working and I can not support myself and my kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Under USC 1681 sec 7 affords me the right to know how this account XXXX XXXX was investigated and verified. How ever, it has been 5 weeks and such prove has not been made available to me by Experian, XXXX and XXXX. With so much inaccuracies being reported on this account, this is costing me money in interest rate and the 3 credit bureau now owe me {$1000.00} each.
Product: Debt collection

I do n't know what this debt collection is about. I ask to XXXX, XXXX and XXXX my credit report, so I find out that this debt was on my report under medical service by a collection company name COMMONWEALTH FINANCIAL SYSTEMS and the original creditor XXXX XXXX XXXX XXXX. I never did any agreement with COMMONWEALTH FINANCIAL SYSTEM or sigh any contract allowing them to put this on my credit report so I need this debt to be remove from my report. In my credit report this collection agency do n't have any phone number it say phone number no available.
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. 

and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Debt collection

I contacted Southwest Credit Systems about an account with XXXX. Two separate collection accounts were being reported on my credit report. The second account Southwest XXXX did not even have any record of that. This is my second attempt. They could not validate the debt so I am requesting removal or I will be taking legal action and suing for a violation.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.
Product: Debt collection

AN AGENT FOR XXXX CALLED ME TO MY PHONE NUMBER XXXX FROM THEIR PHONE NUMBER XXXX. THE CALLER WAS ASKING FOR A WOMAN. I DO NOT KNOW HER. I ASKED THE CALLER FOR HIS BUSINESS NAME AND ADDRESS. HE REFUSED TO GIVE ME THEIR INFORMATION. HE TOLD ME HE WOULD CALL ME BACK AND GAVE ME THE SILENT TREATMENT. WHEN I TOLD HIM I COULD HEAR HIM BREATHING HE HUNG UP ON ME. I CALLED THE NUMBER BACK AND COMPLAINED ABOUT THIS SITUATION. I SPOKE WITH XXXX AND SHE TRANSFERRED ME TO A SUPERVISOR XXXX XXXX. I LEFT HER A MESSAGE ON HER VOICEMAIL. THEY VIOLATED THE TBCC AND TCPA BY CALLING WITH THEIR ADAD AND ADTS PHONES. MY NUMBER IS REGISTERED ON THE TEXAS NO CALL LIST AND THE DNC REGISTRY. DO NOT CALL ME ANYMORE.
Product: Debt collection

I 've disputed a charge with the XXXX XXXX Department multiple times now, once with XXXX and once with XXXX to clarify that my debt IS NOT VALID. 

I called in to turn off my service XX/XX/XXXX with a 100 % paid account and was told there would be no further bills. They continued to run my account through XX/XX/XXXX and XX/XX/XXXX which I was n't even present at the address and then put me in collections without ever getting a notification from Credit Bureau of the South or the City of XXXX for any final balance owed. 
I do not owe this debt, I do not want it on my credit report anymore. 

This is killing my credit score at this point and I 'm trying to buy a house.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

After 38 years, I cancelled all of my qualifying policies with USAA effective XX/XX/year>. Since I no longer have any qualifying accounts with USAA, they owe me the balance of my subscribers account of approximately {$12000.00}. On approximately XX/XX/year>, I contacted USAA to find out when the funds would be distributed. I was informed at that time that a check would be mailed on XX/XX/year>. 

Subsequent to XX/XX/XXXX, I have corresponded with USAA and they confirmed that a check was mailed. However, to date, I have not received the funds. I contacted them yesterday and again today and they informed me that a check was never mailed and that a hold has been placed on the disbursement. However, they did not know why there was a hold on the disbursement or when the check would be mailed.
Product: Checking or savings account

Requested to close Sofi Invest account XX/XX/2024. Account remains open.
Product: Debt collection

his is a continued and escalating issue involving Orions Management Group , LLC. 

My previous complaint was closed, but the company continues to report a tradeline to XXXX despite having no lawful validation, and despite multiple disputes submitted since XX/XX/XXXX. 

I sent multiple certified mailings, including a Conditional Acceptance, a sworn Affidavit of Truth and Harm, and a Final Notice of Dishonor. I also submitted an updated commercial invoice totaling {$30000.00} in damages and gave Orions 10 calendar days to respond. They failed to cure, validate, or remove the data. 

As of XX/XX/XXXX, XXXX is still reporting this tradeline to XXXX, causing ongoing financial and reputational harm. 

I have now submitted this matter to the IRS ( Form 3949-A ) for suspected tax misconduct, and to the Texas Attorney General for further investigation.

This packet includes : Sworn affidavits Commercial invoice Proof of credit bureau harm Orions refusal to respond I am demanding removal of the Orions tradeline, a full investigation, and referral to federal or legal oversight as needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I am a consumer by law and my information was misused and now I have some false, not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the rights to privacy 15 Usc 1681 Section 604 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Paramount recovery has been carring a debt XXXX since XX/XX/XXXX on my credit report, I have requested a copy of the original bill I keep getting a ledger copy with no information of what it was for. The billing was disputed, as any bills would have been paid by my employer insurance at the time. What I keep getting ( lrdger copy ) is showing line XXXX and sent to Paramount XX/XX/XXXX. I recently inquired again, and I received the same information in addition to a letter address to XXXX, XXXX XXXX XXXX XXXX XXXX, Tx XXXX Acct # XXXX billing for XXXX. I will send XXXX XXXX information to him, but I am concerned Paramount is send customer information to other customers. XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , TX XXXX Payment Information Toll Free XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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 or other personal consumer reports

I was a victim of ID Theft. There are inquiries on my Equifax credit report that are fraudulent and do not belong to me. I've already filed an FTC report. 
The inquiries are : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax -XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax -XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax