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

I made a deposit into my checking with a convenience check. The company, Citicard, rejected the transfer via email. They transferred the money in spite of notifying me of the transfer being rejected. 
I contacted Citi card and was told they would reverse the transfer and the transfer fee, Citi card never did reverse the transfer. 
Citi card denies me access the my account on line and customer service will not talk with me. They say I need a password to access my account. I have given them the password previously and discussed the account but now I am told the password is incorrect and customer service will not discuss the account. 
When the transfer was rejected, the contract accessing the convenience check was voided. 
I want the transfer reversed as well as the transfer fee. I want nothing further to do with Citi Card or Citi Bank.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the consumer reporting agencies listed below along with the account listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : XXXX, Equifax, XXXX and XXXX XXXX : Account Name : XXXXXXXX XXXX Account number : XXXX I received a correspondence from XXXXXXXX XXXX XXXX and yet again, refuses to provide documents of my signed agreement giving them complete authorization to disclose my personal and confidential information, validating this account being mine, and verification of this account to me, to the consumer reporting agencies listed above. 
For the record, I never gave XXXXXXXX XXXX authorization of any kind to disclose my information to ANY consumer reporting agencies, hence their inability to provide proof. 
Again, XXXXXXXX XXXX has violated my federally protected consumer rights governed by Congress and I want them removed from my consumer report. 
XXXX XXXX has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent. 
* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments, charge off, and repossessions are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Again, I repeat, I demand that this account deleted off my consumer report with all consumer reporting agencies ( XXXX, Equifax, XXXX, and XXXX ) along with all other consumer reporting agencies. 

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a home mortgage or car loans. 

Please see attachments. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off XXXX I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness.

2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance.

3. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information.

4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information.

Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights. 
Thank you for your immediate attention to this matter, and I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allows companies listing on my credit thats aged past Florida XXXX XXXX for credit cards and also Date of First Delinquency is provided by creditors that are not accurate and is causing past the time frame on ones credit to allow and hold credit from progressing which is unethical according to the fair credit act
Product: Credit reporting, credit repair services, or other personal consumer reports

The results of two disputes that were initiated by me the consumer on Experian 's website on XX/XX/XXXX and XX/XX/XXXX for an inaccurate reporting of an account that is reporting closed " by consumer '' is incorrect. 

The XXXX XXXX account is open as an authorized user, and is in good standing. 

On both disputes the results remain the same as saying that this account has been closed by the consumer. 

I have confirmed with XXXX XXXX on XX/XX/XXXX and the Primary card holder that this is not the case. This account is open, in good standing, and I am an authorized user, and it should be reported as such. 

The available amount of credit for this account is {$16000.00}. The balance owed is {$5.00}. This account has never been late. It has been opened since XX/XX/XXXX. All of this information will add good history to my credit account. 

Both XXXX  and XXXX  are reporting this account as open and I as an authorized user.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has Report # XXXX for XX/XX/XXXX page 10 of 14 Inquiries shared with others XXXX   XXXX XXXX  XXXX XX/XX/XXXX I did not apply for no car loan on or to XXXX XXXX XXXX XXXX on XX/XX/XXXX I have also filed a fraud report on Experian to this transaction with the U S attorney office.
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. 

XXXX  XXXX : # XXXX, XXXX : # 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 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

In accordance with the fair credit reporting act convergent account # XXXX, my DISCOVER it chrome card account # ending in XXXX, and my XXXX  XXXX XXXX account # ending in XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : 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: Money transfer, virtual currency, or money service

Hello I XXXX XXXX XXXX transferred virtual currency ethereum ( {$2000.00} worth ) into Coinbase wallet on the XX/XX/XXXX in order to sell for US fiat dollars and was told that I owe an amount of {$390.00}. I then proceeded to try to pay for the fee with my virtual currency which I was told I was able to do, and was not able to via the website and/or mobile app. Contacted Coinbase and was told that they will put in a support ticket which this is my reference number # XXXX. I was told by the employee at Coinbase that they would contact me via email by the end of the night, if not the following morning but no longer than 48 hours. We are now on the 5th day. I've contacted them two other times from the last 2 days from the date of today on XX/XX/XXXX with no help. I just want to pay what I owe which I have the amount available to pay in the Coinbase account that way I can complete my transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the companies as well as dispute with the credit reporting agencies about these alleged accounts on my report, as well as a bankruptcy on the account. I also asked for verification of the validation since I am being told that it is still accurate and correct. I was told they have a contract with the reporting company and that do not have to disclose any of that information with me as the consumer because it matches my social security number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom it May Concern : Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.

The following inquiries are related to none of the aforementioned permissible purposes. 
XXXX XXXX Inquiry : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. 
Sincerely, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my XXXX, Equifax, and XXXX consumer credit report I found that persons XXXX, Equifax, and XXXX violated the fair credit reporting act laws and also damaged my consumer credit reputation with the following information listed Below 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting 15 U.S. Code 1681e - Compliance processes ( a ) Identity and purposes of credit users 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1666b - Timing of payments XXXX is reporting the following accounts violating these laws : XXXX account number XXXX, XXXX XXXX XXXXXXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX. 

Equifax is reporting the following accounts violating these laws : XXXX XXXX account number XXXXXXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX  XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX account number XXXX. 

XXXX is reporting the following accounts violating these laws XXXX XXXX account number XXXXXXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXX account number XXXXXXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX  account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX  Accnt # XXXX XXXX  Accnt # XXXX has violated my rights XXXX XXXX Accnt # unknown has violated my rights XXXX XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX XXXX  Accnt # XXXX has violated my rights XXXX XXXX XXXX Accnt # XXXX has violated my rights USBK COURT XXXX - Public Record 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 604A section 2 : 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 items of information ; adverse item of information of than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consume rto any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get an auto loan in XX/XX/XXXX & they questioned me about an unpaid, maxed out credit card for {$10000.00}. I had no idea what was going on. I was then served papers to appear in court for not paying the card approx. XXXX XXXX. I had no idea of what kind of card this was to even contact the company. I told this to the dept collectors & they said they would list it as fraud. I just had a recent credit report on XX/XX/XXXX & saw that the fraudulent card debt was still listed, which is destroying my credit.
Product: Credit reporting or other personal consumer reports

Charges were accepted even after they were disputed ( XX/XX/XXXX ). I was not notified by mail ( statement ), phone or email. Found out XXXX  months later, after credit score dropped. Company has finally agreed to take charges off, but will not fix credit reporting issue. 
XX/XX/XXXXXXXX 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 Due to XXXX XXXX Error with Company continued to charge late fee and interest, thru XX/XX/XXXX. 
Started dispute process in XXXX ( as soon as realized ) and not resolved, fees mounting and credit reported.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries that appear on my credit report as a result of identity theft. These inquiries were made without my knowledge or consent and are causing significant harm to my credit profile. In accordance with Section 604 of the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into the following unauthorized inquiries and their removal from my credit report : XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : 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 Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account ( XXXX ) with " XXXX XXXX XXXX '' still showing on credit report. 

Delete IMMEDIATELY. 

Account # : XXXX ( Still showing and needs to be deleted across all 3 Bureaus ). 

All other accounts have been deleted as a result of dispute. This should be the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received a notice form XXXX credit Bureau that they finished my investigation on the Capital One account on my credit report and nothing was done. I have a lawyer in place to ensure that this wrong gets corrected. This account does not belong to me and according to court documents this account either needs to be deleted from my credit report or the payment status needs to say : not rated and/or bankruptcy. The information that is currently on my report is incorrect and the update that happened today is incorrect and goes against the fair credit act laws. Because of this if this account is not deleted or the correct payment status entered I will seek legal action against XXXX as well as Capital One because I have been denied loans because of this incorrect information.
Product: Mortgage

I WAS A VICTIM OF XXXX XX/XX/XXXX PRE DATORY LENDING, MY ORIGINAL LOAN FROM XXXX WAS TRANSFERED TO XXXX XXXX XXXX AND NOW NATIONSTAR MORTGAGE LOAN NUMBER XXXX ADDRESS XXXX TEXAS.TEL. NO. ( XXXX ) XXXX EXT XXXX XXXX XXXX XXXX IS SUPPOSE TO HELP ME, INSTEAD I GOT FORCLOSE AND SOLD MY HOME TRUSTEE SALE ON XX/XX/XXXX.IT SEEMS TO ME THAT PRESIDENT OBAMA 'S EXECUTIVE ORDER XXXX " ESTABLISHMENT OF THE FINANCIAL FRAUD ENFORCEMENT TASK FORCE ' WAS IGNORED BY NATIONSTAR EXPLICITLY ACKNOWLEDGE THE EXISTENCE OF SIGNIFICANT FINANCIAL CRIMES AND OTHER VIOLATIONS. IN XX/XX/XXXX.XXXX SETTLED BUT THIS IS NOT HAPPENING TO ME. 
NOW I AM FACING EVICTION BY THIS COMPANY XXXX XXXX XXXX XXXX. ADDRESS XXXX, CALIFORNIA XXXX TEL. NO ( XXXX ) XXXX, MANAGER NAME IS XXXX XXXX .I HAVE BEEN HARRASSED AND PERSON KEEP COMING TO THE HOUSE ASKING ME WHEN TO LEAVE. '' I NEED HELP '' ANOTHER AGENT NAME XXXX XXXX, FINDING SOLUTION CAME TEL. NO ( XXXX ) XXXX OR ( XXXX ) XXXX.I WAS REALLY SCARED.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX continue to report invalidated information on my credit report without sending me doucments to validate the debt or documents that indicate the methods used to verify each account. These companies are using deceptive practices in order to coerce me into paying on debts I do not owe.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX  **** Balance Owed : {$9100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX U S DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$190.00}, and XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$870.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

Equifax , after completing investigation # XXXX and reinvestigation # XXXX continues to permit their client, XXXX to report incomplete, inaccurate and misleading information. On my partial account # XXXX, Equifax allows XXXX to engage in " re-aging '' of account, a practice expressly forbidden by the FCRA.THE CREDITOR SHOWS A DOFD OF XX/XX/XXXX FALSELY. THE CREDITOR ALSO SHOWS A 120 DATE LATE ON XX/XX/XXXX THE ACCOUNT WAS NEVER BROUGHT CURRENT IN BETWEEN THOSE DATES. 
THEREFOR, ACCORDING TO XXXX 's FALSE REPORTED RECORD THE ACCOUNT WOULD HAVE BEEN 30 DAYS LATE ON XX/XX/XXXX AND THAT WOULD BE DOFD
Product: Credit reporting

Experian I would Like for you to please answer a very simple question. basically a yes or no answer Do your company keep the original consumer signed contract on file at your XXXX tx site or wherever you guy 's report consumer 's info?