23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a copy of my credit history report from Bureau. That Report contained incorrect information reported by Credit Bureau.

I contacted the - customer service department of XXXX XXXX XXXX to request deletion of this inaccurate data from my Credit History Report. After a thorough verification with the bank I been told by one of the agent that I was never late on my account and they will correct the error. Here is my ID number I was provided by conversation over the phone XXXX. They insist that your company claims this information to be accurately reported. 


XXXX XXXX XXXX XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
This negative mark is damaging to my credit. Please remove immediately incorrect information from my credit file.
Product: Payday loan, title loan, personal loan, or advance loan

This Loan in the amount of {$2000.00} was pain in Full on XX/XX/year>.
Product: Credit card or prepaid card

I had 3 store credit cards where Synchrony Bank was the bank. An Amazon Store Card, Guitar Center Card, and a Lowes card. All cards were paid and never late. All cards had {$0.00} balances. My credit report does not have any late payments. In the last couple weeks, Synchrony has closed at least 2 of these accounts without notice.
Product: Debt collection

XX/XX/2017 for the amount of {$490.00} Collection placed on my credit profile with no knowledge of contract or ever doing business with this company.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX  Balance {$2700.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$1500.00} Open Date XX/XX/XXXXXXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX inquiries XXXX  Date XX/XX/XXXX XXXX OF XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/2023. My tracking number is XXXX to remove personal information that i dont want on my credit report. According to the fair credit reporting act 12 USC 1681, I have a right to privacy. Also according to 15 USC 6802, no financial institution is suppose to share my information to a third party.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : I have not applied for any credit and did not authorize any of these inquiries please delete immediately. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report I did not consent nor did I benefit from the following accounts. They are fraud and please remove immediately. 

Yours Sincerely, XXXX XXXX
Product: Checking or savings account

Deposited a check on the XXXX threw online banking it sent me receipt saying would be approved on the XXXX it was approved and cleared the online banking information showed my total positive amount deposited in my account with no issue bank took XXXX $ for over draft fee and shows running balance of my funds thew the day I go to my residence office to pay my show them money is there to pay my rent to avoid eviction on Friday the XXXX I signed the promise note the day of the XXXX I go to buy money order to avoid eviction with no notice other then the + amount in my account I get declined for my money orders I call bank my account now reads negative balance and they after showing and misleading me to believe my funds are there now they say there is a hold I need to wait till the XXXX with no notification to me now Im about to be evicted I have called key bank multiple times I have ever called XXXX who cut the check they have contacted XXXX XXXX XXXX there account is threw and provided key bank the check verification and the transaction number telling key bank the money is released that the funds have are not being held thus key is choosing to withhold my money after miss leading me to believe my money was my own with no issue I have pictures now I have called 8 times and escalated as far as they will let me now I face tomorrow eviction because of being misled by my bank with all verification that my money should not be held by the payee
Product: Credit card or prepaid card

A credit card was opened in my name without my knowledge. These charges do not belong to me.
Product: Credit card or prepaid card

I paid my full balance for my discover credit card on XX/XX/2019 and it's still not updated and called them multiple times and still nothing and it adversely impacting my credit score. I would like my account updated to a XXXX balance ASAP and any late payments removed because this account was paid on time.
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX/XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX XXXX  Account XXXX has violated my rights. Or a 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: Checking or savings account

after td bank checking and saving account is finally fully closed. XXXX XXXX company close my old XXXX XXXX account and wanted me to open a new one. this is crazy. I use cash App with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  before I never see this happened. I work so well with cash App company, XXXX, XXXX and XXXX and XXXX XXXX XXXX XXXX. This never happened.
Product: Credit card or prepaid card

My Citicard XXXX card had repeated fraudulent charges from XXXX. 

They reversed them and gave me a new card number. XXXX then charged the new card number. 

Finally, I closed out the entire card with the fraud department. I paid off the entire bill except for the fraud charges. However, despite the card being closed because these charges were fraudulent ... and despite XXXX phone calls, XXXX chats, XXXX emails, XXXX faxes, and XXXX snail mails, Citicard is still billing me for the fraudulent charges ( with interest ). 

I am unable to find anyone at Citicard, in any department, through any form of communication, who is able to fix this. Every time I'm told it will be taken care of, then the next month I get another bill with more interest and fees. 

We are literally talking about a total of XXXX here -- not a lot -- but I'm not paying fraudulent charges, nor should I have to be.
Product: Debt collection

I am currently being sued by this junk debt buyer for an account I defaulted in 2015 due to being separated from my spouse and loss of income. I requested to be sent proof that this debt collector owns the debt, and proof of the date they acquired the account as well as proof of the balance that is due. Since I am currently in divorce court my attorney suggested I offer them to settle for half which I did, and they did not accept it even though they are profiting still being they didn't pay that much for the debt in the first place. I can't afford half but I am overwhelmed with trying to pay my current bills as well as being in court for divorce I need this issue to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX inquiry-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ... ..XXXX XXXX Inquiry-XX/XX/XXXX, XX/XX/XXXX ... .XXXX XXXX XXXX XXXX inquiry-XX/XX/XXXX , XX/XX/XXXX ... .XXXX XXXX inquiry-XX/XX/XXXX.. contact these creditors and some stated they couldnt find no application from me and the others stated the on application on there file with my info is from XX/XX/XXXX or XX/XX/XXXX nothing with years of XX/XX/XXXX/XX/XX/XXXX
Product: Credit card

Hello I am having a huge issue with my Apple Card and believe the company has purposefully put me in debt with them when they admitted I have no debt. I made a payment XX/XX/XXXX of XXXX to pay up to where I don't have interest of my installment payments or my credit payments. After I was inexplicably charged XXXX on XX/XX/XXXX. They were supposed to return my money but said they could not and told me to call the bank to stop the payment on that end. Yet it was marked as a declined payment which messed up my credit. " Declined '' payments show as if I owe them that now and will pay interest on it until I do. I was never in debt with them and my balance was already paid. Not sure even why the XXXX was taken if I only had installment payments left that are monthly and paid up my charge XX/XX/XXXX showing I owed nothing. The XXXX XXXX support was to no help outside of XXXX dollar interest charge return. No one wants to correct it and each time I call they try to gaslight and use techniques to make it seem as if it was my fault when they already admitted this was a mistake I didnt authorize. This XXXX XXXX is a scam and needs to be stopped before they put other people in the same position I am currently in.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME BECAUSE THEY WAS OPEN FRAUDULENTLY SOMEONE USED MY IDENTITY TO OPEN THESE ACCOUNTS WITHOUT MY KNOWLWDGE STOLE MY SOCIAL AND ID I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

This is regarding my Union Bank & Trust account that has been assessed a number of late payments in violation of Federal Law. The loan was made on XX/XX/XXXX, the Note states that after the XXXX a late payment can be assessed, however, it is using Form 3247 which is a XXXX XXXX form. XXXX XXXX follows Federal Guidelines in its lending practices. I have been assessed late charges prior to the XXXX of the month and I would like to have them removed. PLEASE VIEW THE Union Bank & Trust Note ATTACHED AND CONFIRM THAT THEY ARE USING XXXX XXXX Form 3247. Pursuant to XXXX  XXXX Guidelines as stated in this link : FOLLOW THIS LINK : XXXX : XXXX # XXXX, IT STATES AS FOLLOWS : Late Charges for Conventional Mortgages. THE NOTE FOR A CONVENTIONAL FIRST MORTGAGE MUST PROVIDE FOR THE BORROWER TO PAY 5 % LATE CHARGE ON ANY INSTALLMENT THAT IS NOT RECEIVED BY THE 15TH DAY AFTER IT IS DUE. The late charge should be computed on the principal and interest ( P & I ) installment only, not on the full monthly payment of principal, interest, taxes, insurance, and other assessments ( PITIA ). THE COMPANY HAS ILLEGALLY been assessing late charges to my mortgage from XXXX to the XXXX in violation of XXXX XXXX 's guidelines. 

I would like the late payments that were assessed removed prior to the XXXX of each month and appropriate adjustments made. I'VE ATTACHED A COPY OF THE NOTE AND HISTORICALLY ACTIVITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

The philosophy of TransUnion LLC and XXXX seem to be that they allege you owe a debt and the consumer just deals with it or pays debts that are not theirs in order to finally have them removed from a Credit Reporting File. This is a direct violation of Federal Law 15 U.S.C. 1681. 

I also disputed the presence of XXXX XXXX XXXX being listed on my credit reporting file, I have not received documentation from either TransUnion or XXXX XXXX XXXX as requested. I have requested signed documentation authorizing the original account be opened in my name and social security number. No documentation was ever provided by either company. I requested this in order to have the signature compared to years of my signatures to assist in prevention of identity theft and to ensure 100 % accuracy of my credit reporting file. 

I have attached a copy of my dispute letters and every tactic they have used to prevent correcting the bad information, up to and including their claim in one letter that they could not even locate my credit file, as you can see in my dispute letters, they were given their own information to identify my credit file. 

How can a credit reporting agency be trusted to ensure accuracy of the information they are reporting, when they can not even locate a consumer file with their own information and a copy of their own report included with each dispute?
Product: Money transfer, virtual currency, or money service

Despite using Zelle numerous of times and reporting discrepancies my financial institution in Zelle failed to investigate my claims expeditiously they informed me that recovering lost funds and tracking these transactions was unfixable no one is trying to fix anything and it is constantly happened. Just letting people scam people out of their money. This is very ridiculous. People work very hard for their money and they should not have to lose their money to someone else.
Product: Vehicle loan or lease

After the repossession of these vehicle that was primarily only used for use for a driving job with XXXX it was sold and even though it was in great condition I was left with a massive {$6500.00} balance. I made some payments but now I realize that this is unfair especially as it was to be used for work.
Product: Credit reporting or other personal consumer reports

ACCORDANCE WITH 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE ACCOUNTS ADDRESS NAMES TO BE FURNISHED ON MY XXXX XXXX XXXX  CONSUMER REPORTS. ACCORDANCE WITH 15 USC 680ta b 1 2 3 4 PROTECTION OF NON-PUBLIC PERSONAL INFORMATION I DIDNT GIVE WRITTEN CONSENTI ACCORDANCE WITH USC 6802 a b c d e OBLIGATION WITH RESPECT TO DISCLOSURE Of personal information i never Signed any disclosures forms given written consent '
Product: Checking or savings account

I use PNC Bank for my XXXX banking and XXXX  for accounting services. PNC will not allow XXXX access to bank account information for accurate record keeping. This has never been an issue in 2 years since I started using both of these services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I notified Experian that the account information listed for XXXX on my credit report was inaccurate. It was the wrong credit card number and wrong credit card limit. 

On XX/XX/2018 Experian updated this infomation but there was no changes to my credit report for this account. 

I sent another dispute by mail and on XX/XX/XXXX. Experian said this information has been verified as accurate and that no further disputes will be processed. 

This account has been since been deleted from my XXXX  report and also my XXXX   reports. 

Experian fails to remove this inaccurate account from my credit file.
Product: Bank account or service

On XXXX/XXXX/2016, I accidentally attempted to pay a credit card with my Citi Gold account, which had a {$0.00} balance at the time. On XXXX/XXXX/2016, I was notified that my payment had been returned and was assessed a {$34.00} fee. I then called Citi Bank to close my account with them and was assured that a ) this fee would be waived, and, b ) the monthly fee for XXXX would also be waived, in the event that it took until XXXX to finalize the closure of my account. Little did I know that on XXXX/XXXX/2016, the credit card company attempted a second payment from my Citi Bank account, which I did not authorize. This caused a second returned payment and fee, and prevented the closure of my account. On XXXX/XXXX/2016, I received a correspondence from Citi Bank informing me that my account had finally been closed and that I was " still responsible for paying the overdrawn amount referenced above '' ( {$33.00} ) and that my " account may have been referred to collections. '' It 's very distressing that rather than contacting me directly to discuss a matter that could seriously impact my credit score, Citi Bank chose to send an e-Communication ( not even a personal email ). In summary, Citi Bank promised me that my account would be closed in a timely manner yet they processed an *unauthorized* payment request and refused to waive the corresponding fee, delayed the closure of my account, and referred my account to collections.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX case # : XXXX, XXXX XXXX /XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  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

Debt collection just showed up on XXXX XXXX as a collection ... tried calling Collection number and only get voicemail to leave your name and number have not heard or received any corespondents
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I have to redundantly report illegal debit purchasing from bogus collection agencies attempting to collect an illegal debit of medical billings. in the majority of the reports the medical facilities that have illegally purchased the information and violated HIPAA rights laws, the medical facilities have been paid by insurance companies before they sell patient information.

My credit score with all legal credit reporting bureaus should be much higher than being reported. 

Legal and full names from 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 XXXXXX/XX/XXXX