23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a citibank XXXX XXXX credit card. I filed a restraining order against my spouse on XXXX XXXX after she became XXXX with me and XXXX to XXXX me. The Police served her with the restraining order and removed her from my apartment. Since then I have not had contact with my sponse. On XXXX XXXX, my spouse charged {$5000.00} to my citibank tXXXX premier credit card. I informed the credit card company the same day that the charge is fraudulent and requested to cancel the charge. They asked me to call the merchant to cancel the charge, which I did, but the merchant refused to cancel the charge. I then sent an email to Citibank credit card on XXXX XXXX, again informing them that this is a fraudulent charge and asked them to cancel the charge with the merchant. Since then Citibank has said " they are investigating '', but have provided no information. I have called them about 5 times in the past month, and they are now refusing to refund despite the difficult circumstances that I am going through. Citibank has failed in their responsibility to put a stop payment on the charge on the same day that I informed them. Further they have caused me a huge loss and failed in their responsibility to cancel the charge with the merchant despite being informed of the circumstances. I seek redress from CFPB. Please help. Kind Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation request letter to XXXX in early XX/XX/2019 about the student loan on my credit report. In return they sent the validation of debt on XX/XX/2019. The information on this letter is incorrect, my social doesn't appear on the contract, and neither does my birthday.Which doesn't validate this debt being mine, being that the information I received is invalid. The amount of the loan is {$2900.00}.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a reverse mortgage im the surviving spouse of my husband I submitted all documents requested by XXXX XXXX the lean processor gave me dates and mislead me I turned in all my papers she mailed me notice saying I qualify for surviving spouse support program with HUD now she is sending me foreclosure papers saying I do not qualify because papers were submitted outside of dated I did everything she told me within the time she gave to now receive certified letter i'm in foreclosure. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally noticed a hard inquiry on my credit report on XX/XX/2019. Called Issuing bank and requested to have the account closed due to identity theft. 

Noticed on XX/XX/2019 that the account now has a balance of {$890.00}. Called XXXX again on XX/XX/2019 at XXXX PST. Spoke with XXXX, and was told no one ever documented that I wanted the account closed or that it was fraudulent. Explained I called before, and XXXX stated he would close the account and take care of the issue and I would not be responsible for the outstanding balance due to it being fraudulent. 

Since then, I have put a fraud alert on my 3 credit bureau accounts, as well as freezing my credit files. 

I received a letter in the mail on XX/XX/2019 from XXXX bank with a NEW credit card. I called on XX/XX/2019 at XXXX and spoke to XXXX . He stated that they decided to open a new credit card to pay for the amount due on the account that was previously closed, because they determined it was " my account ''.
Product: Credit reporting or other personal consumer reports

I've made repeated efforts to address the issue of unauthorized inquiries on my consumer report, but the problem remains unresolved. These inquiries are entirely unrelated to me, and I bear no responsibility for them. Their presence has caused me significant emotional and financial strain. As someone who has fallen victim to identity theft, I may need to pursue legal action if this matter isn't properly addressed. 

The inaccurate and fraudulent entries on my consumer report have severely impacted my financial prospects, preventing me from purchasing my ideal home and adequately providing for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX a number of times. My file was frozen and I contacted them the day before I was to go for a loan. The bank was unable to pull my loan. I called XXXX 3 times that day to let them know my credit has been still frozen. I then called 2 weeks later and I was still unable to pull my credit. I have been unable to get a fresh credit report since XX/XX/2021! I get the 2 bureau report from Experian and I cannnot pull it from XXXX annual credit report. XXXX swears its fixed but it hasn't been. This goes against my civil rights.
Product: Credit card or prepaid card

I was shocked when I looked at my credit report and noticed a late payment from Capital one/Saks Fifth date listed below : XXXX 2018 30 days late I am not sure how this happened. I make all my payments when I get the statement in the mail. I think that the statement never got to me.
Product: Credit reporting or other personal consumer reports

I provided errors on my credit report I haven't heard anything back they have 45 days to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE LOOK INTO THE XXXX ACCOUNT WHICH IS REFLECTING NEGATIVELY ON MY CURRENT CREDIT REPORTS. THIS IS AN ACCOUNT THAT IS NOT REPORTING ANY BALANCE WHAT SO EVER, IT IS A PAID CHARGED OFF ACCOUNT AND IS STILL REPORTING UNDER ALL THREE BUREAUS. THE ISSUE HERE IS WHY WAS XXXX  ABLE TO REPAIR THE DEROGATORY HISTORY ON THIS ACCOUNT, AND WHY DIDN'T XXXX AND EXPERIAN DO ANYTHING ABOUT IT? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY. THIS ACCOUNT HAS BEEN OPENED SINCE XXXX OF THE YEAR XXXX. AFTER SEVERAL ATTEMPTS AT DISPUTING ( SINCE : XX/XX/XXXX ), AND TRYING TO GET THE NEGATIVITY OFF OF MY CREDIT REPORT, STILL ... ..NOTHING HAS BEEN DONE ABOUT THIS MATTER AND THIS IS REALLY GETTING TO THE POINT WHERE IT IS UPSETTING ME IN GENERAL.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2, also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open an consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Please see a copy of my letter to Citi that has been attached. It is dated XX/XX/2019. As of XX/XX/2019, Citi has not responded. It has been five weeks, and Citi has ignored my letter.
Product: Debt collection

I have informed them I am not liable for charges billed when I had insurance in place that should of fulfilled the debt
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not receive the billing statement for the payment in question. As a result, I was not made aware of the payment due date and was unable to make the payment on time. This clearly violates the requirement outlined in 15 U.S.C. 1666b, and as such, the late payment fee and any related interest charges should not have been applied to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Collections & Outsourcing , Inc. is reporting a debt to XXXX and other credit reporting companies that is false. They claim I owe rent to XXXX XXXX for renting a apartment from XXXX in XXXX XXXX Iowa. I did rent an apartment for a year lease from XX/XX/XXXX thru XX/XX/XXXX. I was transferred a few months later and worked with XXXX XXXX to sublease the apartment. I paid rent thru XX/XX/XXXX. The apartment was sublet XX/XX/XXXX for the remainder of the lease. When checking out I was told I owe no further monies because the apartment was sub-let. XXXX XXXX now claims I owe them a sum of money. They never contacted me. XXXX XXXX must have sold the supposed debt to Fair Collections & Outsourcing , Inc. Who has reported this to XXXX and other credit reporting companies. I 've called the corporate head quarters of XXXX XXXX to be told I have to work with Fair Collection. I 've made several attempts with Fair Collection to clear up the misunderstanding including sending them the attached Resident ledger and they refuse to remove the bogus claim. FCO address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX.
Product: Debt collection

Hello, I am disputing a frivolous collection account that is appearing with the credit bureaus from the company Credit Collection Services. I have sent a few letters ( 5 ) to be exact to the frivolous company and the credit bureaus. The bureaus have failed me and violated FCRA. My most recent letter dated XX/XX/15 ask the said company to validate this irroneous said debt. Credit Collection Services sends a bill. A freaking bill anyone can type up a bill, this bill absolutely does NOT suffice. I specifically asked for a contract with my signature. This agency didnt provide the request validation per the FCRA within the 30 days. Violation to FCRA. Violations as me being a XXXX woman in America trying to survive. I am so shocked that these companies can place frivolous accounts and the bureaus allow this. I am demanding this account be removed in its entirety and completely from all the bureaus.
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. 

List of Unauthorized Inquiries : 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 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: Credit reporting, credit repair services, or other personal consumer reports

Contacted Nelson Cruz and Associates on XX/XX/23 ( on a recorded call ) and advised them never received anything about this debt in which I DO NOT owe. I asked if I could be provided the same letter dated showing proof they sent it to me. They refused to provided that. I also asked for more information in regards to the debt about the store and they could not provide me with that and I need that information to file a report. This company has been illegally trying to collect a debt from me and refused to investigate my claims. 

Pursuant to 18 usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1b 2. Company has also No permission to report ANYTHING using my info pursuant to 15usc 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent letter regarding inaccurate or unknown information on my credit report to this day over XXXX days plus later I have not received a response yet!! I feel I am being taking advantage of and or ignored of my disputes section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been well over XXXX  days so they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted my the Equifax data breach and May have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to the Credit Bureaus XXXX XXXX, I am submitting this CFPB Complaint. Their conclusions do not hold water with me, and I demand complete accuracy. I am now requesting more information from the credit bureaus about these specific items in question because I am not happy that enough was done to actually contact the creditors who are reporting this information on my report. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) mandate that these accounts be verified by the XXXX credit bureaux ( XXXX ). ( A ). It is unacceptable to treat these reporting stories as unverified rumors without providing evidence within the prescribed window of time. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) of the FCRA ( XXXX ). Please look into the following unverified accounts ( A ) : XXXX  XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX  XXXX XXXX Balance Owed : {$3600.00} XXXX/XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had issues with identity theft and filed a FTC report, police report and all required identification documents to have the incorrect information removed from my credit report. XXXX and XXXX are reporting correctly. Experian is the only company reporting an account for XXXX XXXX XXXX XXXX Account Number : XXXX. XXXX has removed the incorrect information. Experian is has not removed the fraudulent account. I have written letters and spoke with them over the phone but they do not follow proper FCRA procedures and are not removing the account. They claim they have verified the information but have not provided any proof. This is a gross violation of the FCRA.
Product: Debt collection

XX/XX/XXXX To whom it XXXX concern : I would like to file a complaint against XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services XXXX XXXX 

Today I received the attached letter from XXXX XXXX, and what they continue to do to slander my credit should be illegal. 
I have had no dealings with XXXX since XXXX of XXXX. 

And from that time to present, on a monthly basis, XXXX has continued to request copies of my credit files, as well as continue to report information that is inaccurate so as to destroy my credit rating. 

XXXX, and XXXX, I had complained about this issue, because they continued to put false balances owed onto my credit files, as well as, to report false status dates so as to make it seem as though I had, had recent credit activity with them. 

I do not owe this fraudulent balance {$1600.00} that XXXX has passed on to this XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services LP XXXX 

XXXX Bank ran up that fraudulent balance with their usury fraudulent charges, and fees. 
They claim to have charged off an account on XX/XX/XXXX, this is not true. 

On my credit files, for at least a year beyond XX/XX/XXXX, XXXX was placing over {$100.00} in charges, and made-up fees onto a balance that they were running up. 

Since XXXX to present, my credit files were being dinged twice for duplicate false information. 
This treacherous Credit card company would pass on their lies to collection agencies who would report onto my credit files, and XXXX would report the same false information as well. 

And now they have passed on information to the above-named entities, who are willing to continue the deceptive practices of XXXX XXXX XXXX XXXX 

I have previously complained about XXXX XXXX Bank, who has now rebranded under the name of XXXX XXXX. 

In checking the XXXX I have found that they have an ALERT, for XXXX, and they have XXXX complaints since the last XXXX years, and what each and every XXXX of the consumers have complained about, I have experienced it all.
Product: Credit reporting or other personal consumer reports

I am utterly disappointed with the results of my previous complaint- as I thought my request of getting these inaccuracies removed would have been favored, but nothing has been done. I am getting frustrated as the day passes by and it's affecting my mental health.
Product: Student loan

I have called them on XX/XX/26, XX/XX/26 and XXXX. The call XX/XX/26 i request a refund under the cares act and they confirmed i would have it within 30 days. Its almost at 90 now and now they do not accept phone calls and ive emailed 3 times using their complaint option which says ill hear back within 3 days and no one has replied.
Product: Checking or savings account

On XX/XX/XXXX I received an email from capital one stating as followed.. 

XXXX concluded our final review and confirmed the unusual activity on one or more of your accounts is inconsistent with our expectations for account usage.

Your Capital One bank account ( s ) will be closed.

Any remaining balance owed to youplus any interest earnedwill be sent to your externally linked checking account. If you dont have an externally linked checking account or if the account linked is no longer open, a check will be mailed to the address on file.

Since then Ive called everyday trying to figure out the time frame on this process because I have {$5500.00} that I need asap I have kids!! all they keep telling me is that the decision to close the account is finalized but they dont have a time frame on how long it will take to close out the account officially that makes absolutely no sense and I want my money asap they already put me through hell for the last 3 weeks trying to unrestrict the account having me visit the branch several times times crying to the bankers and etc just to withdrawal my money!!! and now they still trying to give me the run again with the process of closing the account just send me my check now!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.We 've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX, XXXX, XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54.00}, XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX ******* XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX ******** XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 6802 company never disclosed my right to opt out clearly and i never gave permission to report to credit bureaus. which is a consumer law violation 15 USC 1602 means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1602 i received absolutely no benefit from them running my credit card which is a consumer law violation.

15 USC 1611 gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish any account without my written instructions. Under 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.