23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On or about XX/XX/XXXX, I advised Citibank of a dispute concerning a transaction on my checking account in the amount of {$1700.00} for which I did not receive any benefit. On XX/XX/XXXX, without any prior notice whatsoever, I received an email indicating that the dispute was resolved in favor of the merchant and that the amount would be immediately debited from my checking account. This left my account overdrawn and Citibank began assessing this against my direct deposits. Moreover, I advised Citibank of my intention to file a lawsuit in small claims court to recover my funds. I was advised that Citibank would review my dispute and determine whether proper outcome was reached. I followed up with Citibank in email form on XX/XX/XXXX, and XX/XX/XXXX, and on XX/XX/XXXX, I received an email advising me that Citibank would be issuing a credit to my account for the {$1700.00} even though they believe my claim is bogus. It is unbecoming and inappropriate of a bank to make such an assertion. Moreover, I was also advised that Citibank would be closing my account shortly. This retaliation by Citibank in connection with this matter is inappropriate and actionable, and a repeat of Citibankms same, stale tactics.
Product: Credit reporting, credit repair services, 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 XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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 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

After going through identity theft protocol and following the steps to have items removed from my credit report, the items were removed after investigation. about 6 months later, a few items have re-appeared on my credit via collection agencies. Since these items were previously removed, I sent the complaints to the the credit bureaus. The items have not been removed after sending in my grievance. The collections are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX ACCOUNT # XXXX 90 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX  ACCOUNT # XXXX 90 days late in XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX collection account Amount {$160.00} is reported on my XXXX, XXXX XXXX Trans Union Credit Bureau reports since XXXX XXXX have forwarded a Police Report on Stolen Identity dated XXXX XXXX to XXXX XXXX, but this account is still reflecting on the Credit Bureaus reference XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ended service with XXXX XXXX in XX/XX/XXXX and switched to another service provider with no balance owed to XXXX. After switching, XXXX continued to bill my account with no data plan in place, no phone service and no notice of the continued billing. The balance appeared on my credit report over a year later in XXXX as a collection and I have disputed the account several times with the company and received successful deletion, but the account has in turn, been sold to at least 2 different collection agencies and constantly appears on my credit report and affects my score negatively. It is now being reported by XXXX XXXX XXXX with a balance of {$3500.00} reporting as XXXX XX/XX/XXXX as if it is a new debt and has been negativelyaffecting mycredit score. Please investigate this account and provide accurate information that will stop this fromhappening anylonger. I have requested information from XXXX and they have not furnished any proof of the debt owed because I do not owe the debt and the information being reported is inaccurateand illegal.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor ( PenFed ) has violated my rights under 15 USC 1681. Section 602 states, I Have the Right to Privacy 15 USC 1681 Section 6O4A, Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666-B, 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: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and Equifax Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX Please Remove the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : ( XXXXXXXX XXXX XXXX XXXXXXXX )
Product: Credit reporting or other personal consumer reports

Hello and good day, I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Product: Student loan

I have two different student loan companies that have serviced me in the past as well as currently with my academic studies , College Foundation and XXXX  XXXX  XXXX. My complaint is for College Foundation ( CFNC ). I have a letter dated from CFNC XX/XX/XXXX that states that my forbearance was approved for the dates of XX/XX/XXXX through XX/XX/XXXX. I also have a second letter showing that my deferment was approved from the dates of XX/XX/XXXX through XX/XX/XXXX. Although my forbearance was approved from XXXX, CFNC reported a total of 14 missed payments to all three of my credit profiles recently! I have contacted CFNC on a number of occasions and have even disputed the inaccuracies through the credit bureaus and all of them have come back as the information being valid when I have a letter from CFNC on their letter head stating otherwise. If my forbearance was approved for that time frame XXXX, there should only be 1 late/missed payment reflected for the gap between XXXX and XXXX of XXXX, not 14 missed payments. This is severely important to me because I am in the process of trying to purchase my first home and this correction could really boost my score. I also tried explaining to CFNC that although they are different from XXXX   XXXX   XXXX, that I have had the exact same issue with them that has since been resolved but CFNC is unwilling to assist their customers on these inaccuracies. I would also like to mention that CFNC and their processes are severely outdated. All information must be handled via fax or by mail, they don't allow any of their information to be updated online which could have originally avoided all of the reporting issues of me being late due to an invalid address they had in their system years ago. I would also like to say that if it wasn't for my persistence, I wouldn't get anywhere due to the unwillingness to help by their customer service agents answering my calls each time. This last time, I refused to hang up until I spoke with a supervisor which resulted in a 52 minute hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with Equifax to remove all inaccurate information that is hurting my credit report. please review an remove all data that is hindering my file. this has been an issue that is hurting my file. all data is not valid on all 3 credit reports. delete all information filed.
Product: Money transfer, virtual currency, or money service

I was working at XXXX XXXX  but when I tried to deposit my money to my bank account it said my account was froze I did everything to resolve the issue but the permanently closed my account and said I had to wait 180 days but wouldnt tell me why it just says that the agreement wasnt meet by I was only doing legit business
Product: Checking or savings account

i was told my account is being closed i still have not got my funds that was in my account this is crazy i keep calling customer service they keep giving me the run around
Product: Student loan

i have navient ... they refuse to work with me and i owe over XXXX currently i am paying XXXX month. my XXXX XXXX XXXX father is paying XXXX month for me, because i am a XXXX and single mom. please help me!!!!
Product: Credit card or prepaid card

We purchase tickets from known website online seller name XXXX, We purchase international flights going to XXXX thru XXXX XXXX XXXX, due to the COVID-19 pandemic the original flights was move re-schedule dates because of the closing of the border requirements to the country were going in. We pay them also for the additional flights, make the story short XXXX XXXX suggested to cancel the flights because of the cancellation of some of connecting flights and there is significant change in XXXX flights from XXXX flights XXXX way it make total of XXXX flights just XXXX way very significant change in flights so the airlines suggested just to cancel the whole flights. We called the XXXX customer service several times requesting for a refund spending so many hours waiting for there response we call back and fort with out results. 
Per DOT RULES If the flights was cancel they have to pay with in 10 days and thatwas not the case and did NOT happened. they hostage our payments, We need that money to purchase again to other airlines but months past by no refund was made they shut off there communication no email no call from them they are hard when its time for refund. 
We don't have no choice but to go dispute the charges to the credit card company apple card, but the results they did not refund the whole amount of the purchase tickets, cheaptickets wants as to pay {$1200.00} in total even we did set single foot in the airplane or in the airport, because they said the additional flights was add on its not cancelable, but it was part of the XXXX it was not purchase separately, when the airline cancel the whole flights everything follows the whole I.T flights is cancel. They should refund the whole amount of the flights as we requesting and per DOT rules they should refund in 10 days., The XXXX XXXX customer service suggested not to do business with them again because they cant help as on refunds, If it was them they will refund instanlly with out delay but but was thru cheaptickes.com We contacted card service explain to them what happened look like they sided on merchant explanation rules, In the first place we didn't NOT requesting flight to be cancel it was the airlines made significant changes on the XXXX and connecting flights is really canceled so there no sense that we will still be on that flights. 

We will not pay XXXX we even not singled foot in the airplane or in the airport what for were going to pay that amount. Its not fair for middle class family savings for vacation and pay them this amount for nothing cancel flights. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company explaining that I did have any service with them at all and I sent a police report for identity theft
Product: Credit reporting or other personal consumer reports

I pulled my transunion credit report and tried to fill dispute for proper verification and validation in my report. I have called multiple times get hung up with no call back. 

Transunion has allowed collection and inquiries to be place on my credit report violating the fair credit act. 

I am questioning accounts and inquiries I have no knowledge about, accounts that does not belong to me! 
im also requesting removal of all hard inquiries not authorized by me! 

I will like proper investigation with a step by step report and outcome with a immediate removal with update showing my true credit report information. 

I am filing a complait to Transunion and each of these Collection Companies in question 1 ) XXXX-XXXX  Account XXXX Showing a balance of {$670.00} 2 ) XXXX Account XXXX Showing a balance of {$1600.00} 3 ) XXXX XXXX Account XXXX Showing a balance of {$620.00} 4 ) XXXX XXXX  Account XXXX Showing a balance of {$1400.00} 5 ) XXXX  Account XXXX Showing a balance of {$540.00} Inquiries Not Authorized by me need to be removed are as follow 1 ) XXXX 2 XXXX XXXX 3 XXXX XXXX XXXX 4 ) XXXX  XXXX  5 ) XXXX
Product: Credit reporting or other personal consumer reports

This company has violated my rights and privacy as of XX/XX/2023 according to 15 USC 1681a ( 2 ) ( B ) by illegally sharing a personal experience of late payments on my credit report without my consent or request. My score has dropped over XXXX points due to this inaccuracy and is directly affecting my personal and business endeavors. I have reached out to Capital One/ Walmart numerous times to resolve this matter but have not been successful reaching an agent who is willing or capable of helping me.
Product: Debt collection

I am not responsible for this bill. This bill is from XXXX medical center and I never go there is always go to XXXX hospital. When I had my kids I went to XXXX. So I 'm not sure how they even got my information. And if I took my kids there which I do n't recall they had XXXX that paid they bill. I will like for this bill to be closed and deleted off my credit report.
Product: Debt collection

On XX/XX/XXXX, Portfolio Recovery Associates LLC added a derogatory mark on my credit report in the amount of {$470.00}. XXXX, followed by multiple phone calls starting on the following dates ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so on. Under 15 U.S Code 1692b. ( 2 ) any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. This is an alleged debt being furnished on my credit report and is a violation. I do not owe this debt and Portfolio Recovery Associates has not been able to prove I owe this debt other than sending a bill via mail and calling my personal line via telephone. I am requesting this amount of {$470.00} be removed from my credit report and I receive {$1000.00} per violation or I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this item with equifax on or around XX/XX/XXXX. They gave me an expected date for my results for XX/XX/XXXX. I never received any updated emails, as they said I would. I gave equifax a call on XX/XX/XXXX asking for the results of my dispute for XXXX. The young lady I spoke with, stated they have been sending me emails of updates, but I have not received one email from them. She told me that XXXX  has last reported this account on XX/XX/XXXX and it will not be removed until XX/XX/XXXX. She stated if I wanted this account removed, I would have to get in contact with XXXX. I called XXXX  and spoke with XXXX, who told me that account was closed on their end and he doesn't know why equifax can not delete this account. He said there is nothing else he can do about it and it is out of his hands. I have not used this account since XX/XX/XXXX, and it was closed XX/XX/XXXX. I don't understand why equifax lied about emailing me updates. Also, why is equifax saying the company is reporting the account, when the company said they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a no interest credit card with XXXX which had a promotional period of XXXX. That period would have ended on or about XXXX XXXX. On the date I received the card, I purchased a custom item that was then installed weeks later, in XXXX. On XXXX occasions shortly after the installation, the items showed defects. I reached out to the jcpenney to address the problem, which was addressed. In XX/XX/XXXX, I called the jcpenney store, once again as the replacement items, yet again, showed defect. I waited XXXX months before XXXX decided to address the problem, shortly after I filed a complain to the corporate office. In XX/XX/XXXX I had a balance of {$580.00} on the promotional period left and made a payment of {$180.00}. The intention was to make a total payment but was hesitant due to the reoccurring issues with the shutters. In XX/XX/XXXX, I was advised by synchrony that I needed to wait until the promotional period before they can open a dispute on the purchase. They also added that due to the nature of the issue, there will be no interest charges and if any added thereafter, will be removed. By that time, I still made the decision to pay the {$180.00} of the balance, with hopes that XXXX would do the right thing and address the quality issues of the items. XX/XX/XXXX came and still no response from XXXX, I then opened the dispute with synchrony, who at the time assured me that any fees added on the balance of {$400.00} would be removed after the dispute is closed. On XX/XX/XXXX, I received an email stating the dispute was closed and my account showed a balance of {$870.00}. This means synchrony doubled my ending balance from $ XXXX even after they assured me that fees will be assessed. I contacted synchrony to remind them of recorded conversations about the fees and interest and advised me that XXXX stated they addressed my concerns and services were rendered. As a result, the interest charges will stand. I immediately contacted the store XXXX, XXXX XXXX who stated she was under the impression that the replacement item was installed and i assured her that it was not. She also advised me that the matter with synchrony would also be taken care of. The issue with the items wasn't addressed until early XX/XX/XXXX. XXXX reported that they have done everything they could and are not responsible for quality issues of the product as the products come from a contracted manufacturer, XXXX. They also reported that they can not assist with synchrony because they were informed by synchrony that i stopped making payments on the account. XXXX informed me that they have not received any call from XXXX at all. I am concerned about the lies and misinformation told by XXXX and synchrony. This type of practice is used to gain additional money from customers and I am assistance to address the problem.
Product: Checking or savings account

I ordered merchandise from online store XX/XX/XXXX on XX/XX/2020 using my chase debit card for {$4700.00}. I was suppose to receive the merchandise on XXXX XXXX, 2020 which I didnt receive. I contacted XXXX multiple times, but they straight away refuse to help me with the issue. After which I contacted chase bank to file a dispute since merchant refused to help me. Filing a dispute is my right as a consumer which was there when I signed the contract with chase bank, but they also refused to file the dispute. They even refused to help with it.
Product: Debt collection

I tried to apply for a new mobile home. I was denied due to a old debt with XXXX  XXXX from XX/XX/XXXX for {$3500.00}. They report it again in XX/XX/XXXX..I was told that was illegal..I filed bankruptcy in XX/XX/XXXX. My application for a mobile home was denied in XX/XX/XXXX for a new place. My debt with XXXX  XXXX was put in my bankruptcy. XXXX   XXXX also said it showed it was placed in my bankruptcy but I need them to please remove it from my credit check.. its the only thing thats showing on my background and keeping me from trying to move forward.