23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have an ongoing dispute with XXXX XXXX. They closed my account after I already paid them with my Principal Account. See my first complaint with CFPB Experian said they have the dispute results, but it is not available online. I called their number ( XXXX ), and it is impossible to talk to a representative. I tried many times on many days. 

I need help getting my results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting a late payment status with XXXX, but reporting current with Transunion. This account also does not report a credit limit or any amount nor reporting as a closed account. This information has been reporting to XXXX and Transunion, but left on my report to continue to cause damage, Under 15 U.S. Code 1681i- it states that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$820.00} Needs Attention XXXX XXXX XXXX, Reported : XXXX. XXXX, XXXX - {$1000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$1000.00} Needs Attention XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get my free annual credit report so that I can apply for a home loan. Using XXXX  : XXXX returns an error for all three credit score providers. 

I am a U.S. citizen that has been living abroad for almost 10 years. I will soon move back to the U.S. and need a credit report so I can apply for a home loan. During that time I have always maintained U.S. bank accounts and used U.S. credit cards. I should have maintained an active credit score during this time. When using the annual credit report website, you are required to submit a U.S. address and phone number. I have neither as I have been living abroad. To attempt to retrieve my credit score I used my last mailing address from 2012 and my old U.S. phone number ( to which I no longer have access ). I am unable to provide my current, foreign address and number to the website. 

Requesting the free report from any report provider returns an error on the website with no information on how to successfully retrieve my report. I have attempted calling customer support for XXXX, Equifax and XXXX, none of their support lines were able to assist me in obtaining the free credit report. 

The credit report process is totally broken for U.S. expats attempting to retrieve a credit report while living abroad. I am blocked form applying for a home loan until this issue is resolved. I just want a credit report from any/all of the credit score providers.
Product: Student loan

I received a loan from XXXX 8 years ago and was told that my co-signer would be released if I make 2 years consecutive payments. I made those payments and requested that my cosigner would be released but got denied. I 'm in a bad relationship with my co-signer-which happens to be my cousin- ever since.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 
I am a victim of identity theft and did not make nor authorized these changes. I ask that the items be deleted to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please remove these inquiries to correct my report as soon as possible. 
Thank you!
Product: Bank account or service

I recently tried to open a Business bank account and was unable because they said that my XXXX was on chex systems. I recently called XXXX, and XXXX and was unable to find any accounts. Those are the only companies I recall doing business with. I attempted to request my business consumer report but was unable. I was sent my personal report instead which showed no history.
Product: Checking or savings account

I am writing in hopes that you can assist me in recouping the funds granted to me this year by the XXXX, from Citibank. 
I am an XXXX XXXX, and a XXXX XXXX by trade, and on XX/XX/XXXX and XX/XX/XXXX respectively, I was awarded the XXXX XXXX XXXX  XXXX grants by the XXXX in the amounts of {$10000.00} and {$5000.00} in accordance with the CARES ACT signed earlier this year by President Biden. The funds were deposited into my Citibank personal checking account. At this time I anticipated no problems because I had previously received an ACH deposit for my XXXX in XXXX of XXXX. On XX/XX/XXXX I received into the same account, my second draw XXXX XXXX XXXX loan in the amount of {$1700.00}. All told, there was a total of {$16000.00} in my Citibank account in early XXXX. At or around this time, I noticed that I was unable to withdraw funds or make transactions utilizing my Citibank account. When I called the prescribed Customer Service number, I was told that my account was frozen pending received proof of business, in the form of XXXX, articles of incorporation, or a signed independent contract. On XX/XX/XXXX, I received a XXXX envelope with directions to include my signed contract which I did. 
I then received a letter informing me of Citibank 's decision to terminate my account within XXXX days and return all funds secured from the XXXX back to the treasury. 
I have since opened a business checking account with XXXX XXXX, updated my banking information in the XXXX XXXX, and have been waiting the return of my XXXX Grants to the Treasury Department so that the funds can be re-dispersed to my XXXX account.
Product: Student loan

In XX/XX/2018, I received an email stating I needed to renew my " Income Driven '' repayment plan before XX/XX/2018. I went online, completed application and realized I had check a wrong box ( I could not access my spouse 's income information ) on the application. I called Great Lakes on the same day ( XX/XX/XXXX ) to ask what I needed to do. I was told to just send in my spouse 's most recent pay check stub and they would handle the rest. After that I received 2 emails, one XX/XX/XXXX stated they received my application and the other on XX/XX/XXXX stated my application was approved and that I would received repayment information 45 days before due date. 
I called XX/XX/XXXX because I hadn't received repayment information. I was told I wouldn't be receiving an email for repayment because I didn't have anything to repay. I asked, " why? '' I was told it was because I didn't have any income. I told them this information was incorrect and I sent in my spouse 's pay check stub. Agent responded, " I see, we have that information but we didn't use it for your application '', '' Would you like to have your application recalculated? '' I stated " yes ''. I ended the call but called back to file a complaint. I was basically told they could not change my application and that I had to complete a " married '' application ( basically correcting the information, '' I can not access my spouse 's income information '' ). I asked " why wasn't I contacted if there was an error '' ... '' I sent in a tax return stating I was married and my spouse 's pay check stub ''. Agent stated, " I understand that but your application says you were married but you could not access your spouse 's income ''. 
Now, I am waiting for my spouse 's approval for FSA ID. This process could take 2 to 3 days.
Product: Credit card

I am preparing to take a trip out of the country. I went to website for my credit card to determine if my card has XXXX transaction fees. According XXXX there is an underlined link that states " No XXXX Transaction Fees ''. However, when you click on that link XXXX it brings up a fee table that shows there is a XXXX transaction fee of 2 or 3 %, depending upon whether the transaction is in US dollars or a XXXX currency. I then called the customer service center for US Bank, and got a series of confusing answers, then a response that my account had no fees. I requested that the agent request that the misleading information be removed from the company website, but lack confidence that this will actually happen. I am concerned that if I use the US Bank XXXX XXXX XXXX XXXX in a XXXX country that I will end up with transaction fee charges and that the bank will point to the publicly posted fee schedule.
Product: Mortgage

My mortgage loan matured on XX/XX/XXXX.
As of XX/XX/XXXX the principal balance was {$180.00}. I made my recurring electronic mortgage payment of {$420.00} in XX/XX/XXXX, but it was refused and returned by CitiMortgage. After calling CitiMortgage, and clarifying the final payoff payment was {$210.00}, I wrote a check for that amount and mailed it in on XX/XX/XXXX.
Subsequently I received a letter dated XX/XX/XXXX stating my account was in default, with a total past due amount of {$840.00}, and that a credit bureau was notified. On review of my latest credit score, it has dropped from XXXX to XXXX. In calling CitiMortgage, they have refused to correct their error in reporting.
Product: Credit reporting or other personal consumer reports

im in the process of starting my own business iam unable to obtain a business loan because of the bankruptcy that is on my report the bankruptcy has been XXXX since XXXX it has reached the 7 year mark
Product: Credit reporting or other personal consumer reports

Capital One NA XXXX capital one XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> I never applied for these this account this is an unauthorized and inaccurate INQUIRY.
Product: Credit card or prepaid card

I was approved for the Barclays AAdvantage Aviator XXXX XXXX XXXX Mastercard credit card on XX/XX/2022. At the time of approval there was a welcome offer for XXXX  bonus points after spending {$2000.00} within 90 days. The terms state " The bonus miles will be reflected on the billing statement in which you have qualified to earn the bonus. '' I met the {$2000.00} minimum spend requirement on XX/XX/2022. My billing statement closed on XX/XX/2022 and no bonus miles were awarded. I confirmed with Barclays via Secure Message on XX/XX/2022 that I met the minimum spend and I was owed XXXX bonus points. They assured me that I have met the requirements and the bonus points would be reflected " on the billing statement in which you have qualified to earn the bonus '' which was clearly not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX TX, last 4 of account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says 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: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Amount : {$370.00} XXXX Date Opened:XX/XX/XXXX Amount : {$0.00} XXXX Date Opened XXXX XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$8600.00}
Product: Checking or savings account

Chase Account Number : XXXX Claim Reference : XXXX XXXX Office Case Number : XXXX Details of the Complaint : I am filing a formal complaint against JPMorgan Chase Bank , N.A . ( Chase ) regarding the denial and closure of my claim for unauthorized cryptocurrency transactions on my account. These transactions were made using my lost debit card, which had been replaced prior to the transactions occurring. Additionally, these transactions are in violation of Chases stated policy, which explicitly prohibits cryptocurrency-related payments. 

Timeline and Details : My debit card was lost, and I reported it to Chase, which issued me a replacement card on XX/XX/year>. 

Despite my lost card being reported, several unauthorized transactions were processed using the lost card on the following dates : Authorization Dates : XX/XX/year> : - {$500.00} XX/XX/year> : - {$1500.00} XX/XX/year> : - {$1300.00} and - {$1400.00} Posting Dates : XX/XX/year> : - {$500.00} and - {$1500.00} XX/XX/year> : - {$1300.00} and - {$1400.00} These transactions, totaling {$4800.00}, were processed through XXXX XXXX, a cryptocurrency-related merchant. 

I filed a claim with Chase under XXXX XXXX XXXX, reporting these transactions as unauthorized. 

Upon following up with Chase on XX/XX/year>, I was informed that my claim had been denied and the case was closed without proper investigation. 

These transactions violate Chases policy prohibiting cryptocurrency-related payments, as detailed in their policy documentation. 

Supporting Evidence : Documentation of my lost debit card report and replacement. ( attached ) Chases policy explicitly prohibiting cryptocurrency transactions ( attached ). 

Screenshots of the disputed transactions, including authorization and posting details ( attached ).
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, I am a natural person and this is me XXXX XXXX submitting this dispute. This dispute is not being submitted by a third party. 

( XXXX, XXXX, Experian ) unlawfully placed Late Payments from creditors on my consumer report. These reportings were not verified as required by law and they are also false. I demand that each late payment reported on my account be changed to ok or paid as agreed. For your Review : Please also see the law below regarding my consumer rights, you are herby put on notice. 

15 U.S. Code 1681 ( a ) - Definitions ; rules of construction | U S Code | | U S Law | LII / Legal Information Institute Cornell.edu 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) -Exclusions- Except as provided ( 3 ) the term consumer report does not include Subject 1681s- 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s- 2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information 1 ) Prohibition ( A ) Reporting Information with actual knowledge or errors XXXX have aided this Unfairness by not verifying the accuracy. 
Again as previously stated that the law states that adding late payments to ones consumer report is against the law under my consumer rights. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The following accounts are showing 30 day late payments. Please update these 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Late payments paid off and still on credit report and closed accounts still on credit report
Product: Credit card or prepaid card

they got a credit card with my name and information without my permission and ruined my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There is an account that the dollar amount owed is not factual I see 2 accounts that does not belong to me.
Product: Debt collection

This company was removed from my credit report and now there is a new Collection of debt .. This is an old debt from XXXX from XX/XX/XXXX and I believe I stop paying into XX/XX/XXXX. I was paying XXXX but they would not help me with a new plan that I could afford. 
I was receiving a operations and with this XXXX was unable to pay my bills. I negotiated with all my creditors. XXXX decided to sell my loan to this company a few years ago.I believe the debt is past its limitations. I had not heard from them the last few years and two weeks ago a new that Collector has contacted me. I told her this was an old debt and XXXX should not have sold this to them. I did my research and XXXX was being held responsible for selling loans they should n't sold. I was more than willing to work with XXXX and I have letters to prove my struggle with XXXX. I have always had a high credit score before needing a operations. I even was able to work with ( XXXX XXXX ) which I understand is one of the hardest companies to negotiate. I do not feel responsible to pay this debt. It says that the debt was removed but it shows up on my account again as in Collection as a new collection. 
XXXX Account Removed From Report Between XX/XX/XXXX and XX/XX/XXXX, your account with XXXX was removed from your credit report.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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
Product: Credit reporting

resurgent capital services sent me only a summary of debt. I requested from them according to the FCRA section 609 the original documentation with my signature on it about the negative item which was reported on my credit report. They must delete this item by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please correct my inquires to remove from my credit report. I have had numerous identity theft, data breach and non-verified accounts. Please see attached detailed letter. This is also for incorrect payment history on my student loans. This is just a mess to my entire financial wellbeing. 

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized. 
your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any suc document is immediately mailed to my address listed above so that I may review.

it. If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests.As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

On XX/XX/XXXX, I received a notice from the debt collection company Tate & Kirkland Associates that I could pay {$25.00} by XX/XX/XXXX to satisfy my total of {$75.00} saving me a percentage. It gave me three ways to pay. I chose to pay via online and received a receipt on XX/XX/XXXX. My entire debt should be considered closed and paid as per their agreement. 

Today, on XX/XX/2019, I received a letter from them stating I entered a payment plan ( I did not do so, as you will see in the letter they sent ) and they are claiming I owe the rest of the amount despite telling me the {$25.00} would satisfy the debt if I paid. I am reaching out and attaching all documentation. They are breaching their agreement.