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

I have been fighting for the last two years to get this account off my credit profile. Each bureau is violating my privacy right according to 15 USC 1681. Besides That, an imposter went into a dealership with a fake id to act as if they were me to obtain o vehicle. That is called identity theft. This is just one other reason the count should be deleted.

The Law Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I HAVE NEVER GAVE ANY BUREAU WRITTEN CONSENT TO REPORT MY PERSONAL INFORMATION OR ANY ACCOUNTS. MY PRIVACY IS BEING VIOLATED PLEASE SEE THAT THESE ACCOUNTS BE DELETED. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Ive called them this month to rectify and stop these predatory practices, a missed payment results in 11 reports of negativity, I was in the process of forbarence, wont work with us who have the loans. This is malicious and predatory and thousands of people are in the same boat. I wasnt contacted in XXXX at all. They said they called in XXXX but I never got a call. How do I prove this?
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to allow me to submit a dispute on line in an effort to keep negative information that is not mine on my report. I have tried to initiate and check the status of my dispute, and they keep advising I'm submitting personal information that does not match their records. I have submitted the same information to start my initial dispute with no problem, now all of a sudden the information I submit does not match according to them : I am trying to dispute the following accounts as they are not mine and are fraudulent. Continued placement of these accounts on my credit record is in violation of the Fair Credit Reporting Act : Equifax Report Number : XXXX 1. XXXX XXXX XXXX XXXX/Original creditor : FL XXXX XXXX 2.XXXX XXXX XXXX XXXX/Original creditor : XXXX XXXX 3 . XXXX XXXX XXXX/Original creditor : XXXX XXXX XXXX 4.XXXX XXXX   XXXX XXXX/Original Creditor : XXXX XXXX XXXX XXXX 5 . XXXX XXXX XXXX XXXX/Original creditor : FL XXXX XXXX
Product: Checking or savings account

From : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No. XXXX, XXXX XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( Florida ) Dear CFPB Representative, I am writing to file a formal complaint against Citibank regarding the unjust closure of my business account and the subsequent withholding of funds totaling XXXX USD. The account in question, held under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( account ending in XXXX ), was abruptly closed without prior notice or adequate explanation. Despite multiple attempts to resolve the matter directly with Citibank, I have not received a satisfactory response. 

Account Information : Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Branch : XXXX XXXX XXXX XXXX XXXX XXXX Florida Complaint Details : On XXXX, I was informed that my account had been blocked and subsequently closed without any notification or justification. As a long-time client of Citibank who has maintained the account in compliance with all regulations, this sudden action has caused significant financial disruption and distress. 

I have repeatedly requested an explanation and the immediate transfer of my remaining balance to my new XXXX account ( details provided to Citibank ), but Citibank has not complied with these requests. This has led to severe inconvenience and potential financial losses, as the funds are needed to finalize a real estate transaction. 

Requested Resolution : Immediate investigation into Citibank 's decision to close the account without notice. 

Prompt transfer of the balance of XXXX USD to my specified account. 

An official explanation from Citibank regarding the closure and the withholding of funds. 

I believe Citibank 's actions constitute a violation of customer rights and financial regulations. I would greatly appreciate your intervention to resolve this matter promptly. 

Thank you for your attention to this urgent issue. Please do not hesitate to contact me for further details or documentation. 

Sincerely, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Florida )
Product: Credit card or prepaid card

I placed an order with the XXXX XXXX using their store financing with XXXX XX/XX/XXXX. The account was approved and opened. The order I placed with the XXXX XXXX  has been indefinitely delayed and I have been unable to get an update on when it will be filled. It was due to arrive 2 weeks ago. They will not allow me to cancel. 

Offering financing, with a hard inquiry on my credit report, and then not filling the order was harmful to my credit. I now have an additional line open for which I have no use.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX {$0.00} XXXX XXXX XXXXXXXX {$1700.00} XXXX XXXX XXXX XXXXXXXX {$400.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting

EquifaxXXXX is reporting an account that I do not own for collections. I have requested that this information is remove. I believe I need to go back to the Merchant and ask for a refund because after I called the collection agent ( XXXX ) they informed me that this account did not belong to me. The Collection Agency has a request for deletion of this account with XXXX credit companies. XXXX deleted XX/XX/XXXX & Equifax deleted XX/XX/XXXX. Please request an immediate deletion of this error immediately. This has cause my credit score to decline. Thanks.
Product: Debt collection

After reviewing my credit file I noticed a derogatory account from credit collection services. Credit collection services never spoke to me in person before reporting this alleged info. They also never sent a debt validation notice.they never gave me information on how to dispute the debt. They also NEVER included a tear off form for me to send back to dispute the debt or take other actions. They also never sent me any information about my debt collection rights before reporting this alleged information. Pursuant to 15 usc 1611 Credit collection services is criminally liable. They are also liable for each FDCPA violation pursuant to 15 usc 1692k.
Product: Credit reporting or other personal consumer reports

I requested late payments to be removed from my account and they said they would do it for a fee i payed that fee and the late payments were not removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is continually reporting derogatory items even after police report was sent over showing these items were due to Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my XXXX XXXX, Equifax credit profile I seen an inaccurate account reporting a late payment back in XX/XX/2019 for an XXXX account. I was never late on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX XXXX which is in collections by XXXX XXXX XXXX XXXX XXXX. I have dispute incorrect payment history as well as incorrect balances with all three major credit bureaus ( XXXX, Experian, and XXXX ).  All of them have failed to update any information correctly which is against my rights as a consumer. This incorrect information is effecting my credit negatively. I have spoken to the creditor who has sent me a letter that is attached with current balance. I have paid for XXXX and XXXX on time, which is reported as more than 180 days late.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit pro-file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible ac-curacy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( l ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit re-port.

Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable ac- counts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

My account was hacked due to identity theft. I reported it to the financial institution while it was happening. They informed me the account would be investigated and " locked down '' while under investigation and I would be contacted for more information. I was never contacted, the account was only " locked down '' to me and additional funds were transferred out leaving a negative XXXX balance. Tried several attempts to escalate the investigation but was Never contacted and only received a form letter from USAA. The identity thief/hacker was able to steal over XXXX total. Subsequently my account has been closed and referred to collections.
Product: Credit card or prepaid card

I have multiple accounts with SYNCHRONY BANK. 

I am attempting to change the due date/statement date on all of my accounts so that they are all on the same statement cycle date. This makes paying the cards much easier and more convenient. I have tried doing this by contacting customer service and I am transferred to someone in another country that has a strong language barrier which is preventing me from being able to effectively communicate with the bank. 

In addition to the problems above I am continuing to have an issue with my XXXX charge account. I previously issue a complaint because I opened this card and have not been able to use it. I have attempted to contact XXXX numerous times about this and have not found any success in doing do. XXXX continues to hold an authorization charge on my XXXX charge account even though they have banned me from their site and have told me that in no uncertain terms I will never be able to use the card. This was over a month ago and the authorization charge has still not been released. 

I have attached a copy of my photo ID to this complaint for verification purposes.
Product: Credit card

I am the court appointed conservator for an individual. Capital One sent out a credit card which I returned to them and told them to cancel. They refuse to do so and are now billing the annual fee and late fees on top of that. They insisted that I send them certified copies of the letters of appointment, which I have done, but they still refuse to address this issue. Under Iowa law, the ward does not have the legal authority to enter into a credit card agreement and in this case I caught it before the card was ever used. However, Capital One keeps telling me that I, as conservator, do n't have the authority to cancel this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$820.00} XXXX  XXXX {$640.00} XXXX  XXXX XXXX XXXX   XXXX {$100.00} XXXX  XXXX {$7700.00}
Product: Credit card

I have been a Barclaycard US customer since XX/XX/XXXX, carrying their then-XXXX mastercard. When the card switched to the AAdvantage card in XXXX 2015 due to the XXXX Airways/XXXX XXXX merger, I was informed by mailer that my annual benefit ( associated with an {$89.00} annual fee ) of XXXX companion airline tickets would not be continued. I called the card issuer XX/XX/XXXX to see if this benefit could be extended, and if not, to cancel this credit card. The agent I spoke with told me that I would in fact be issued XXXX companion certificates, and she even offered to wave my annual fee as an added incentive to keep my business. My annual fee was in fact waved, but I was never issued the companion airline tickets ( approx redemption value {$800.00} ). When I called today, I was informed that I would never be issued these benefit tickets, essentially that my business had been retained by making false statements. Without the assurance that my benefit of XXXX annual companion airline tickets, I would have canceled my credit card and sought an alternative provider. The Barclaycard reps that I spoke to today ( XXXX levels of supervisors ) all attempted to sell me more expensive products in some perverse attempt to provide me the earlier-promised benefit, but at a cost to me. As I look to purchase airline tickets for holiday travel for my family, I am now going to have to spend an additional ~ {$800.00} that I otherwise would not have had to spend out of pocket.
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$380000.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Checking or savings account

- XX/XX/2019 Unauthorized credit card payment of {$7800.00} issued from my XXXX XXXX XXXX account to American Express as below : Electronic File Trace Number : XXXX Remit Account Number : XXXX Payment Date : XX/XX/19 Payment Amount : {$7800.00} Payee Routing Number : XXXX Payee Bank Account Number : XXXX
Product: Credit card or prepaid card

Wells Fargo ; XXXX balance transfer was charged percentage of total transfered. Which part of the tranfer was added to Wells Fargo Credit Card & Percent Rate charged and changed. Period of XX/XX/XXXX thur XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX  XXXX XXXX Balance : {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I purchased a brand new XXXX. I maintained my payments, although at the time I was a Jr in college struggling to work and complete my degree. I always kept a clear line of communication with things that were going on with my financial situation. for the most part they worked with me. After going through horrible natural disaster in the state of FL, and losing my job to one of the hurricanes I fell so back it was impossible to climb out of the hole. the vehicle was repossed in XXXX of XXXX. I have contacted the employer multiple ( twice a week to be exact ). The vehicle was sent to auction and i was supposed to be contacted by XXXX XXXX to know how much the balance was so i can began paying my balance to remove the loan off of my credit report. not i have a $ XXXX account that has an innaccurate balance and everytime I try to dispute that this information is incorect, they update it as if it is. the vehicle has been repossed, 5months later i am still out of the loop and XXXX XXXX  refuses to give me updated information.
Product: Bank account or service

About ten years ago, or so, I closed my checking and savings accounts with Citibank. I met with the manager and a teller, zero ' the balance, got a receipt, and they were closed. Years later, I get a call from Collections stating I owe Citibank around {$5000.00}. Citi failed to close my accounts and started issuing overdraft fees and transfer fees for years. When I spoke with Citi, they confirmed they had my correct mailing address, email, & phone yet did not contact me, allowing this to accumulate for years until it hit my credit report. Everyone I called said it was not their department and gave me a phone number to someone else who said it was not their department. They kept pointing fingers between Citi 's financial services and Citi 's collections department. After a dramatic few months of speaking to a ton of Citi reps who all said they could do nothing, they finally admitted fault and paid all the fees. They damaged my credit report and then promised to remove the dispute status from the reports. I remember vividly speaking to the one final rep who distinctly promised that it would be removed from my credit reports and would not affect me adversely in the future. Now, about 6+ years later, the dispute status is still on my credit report ( despite saying there is zero dollars being disputed ) and I can not get the mortgage I need ( which is time-sensitive ). For weeks now, I 've been having to relive it all again, spending all my time on hold, begging for help. Citi reps were unapologetic and put me through another dramatic round of phone calls. In my last conversation they did say they would open a 30-day investigation. 
I called XXXX today and they were not very polite and also said there is not much they can do. They did say they would open a 30-day investigation. 
I do n't have 30 days. I was promised this was resolved & removed from my credit score years ago. I am in trouble now and being put through so much stress and being treated so cold and rudely by these agencies when I did nothing wrong. This has had a huge negative impact on my life. I am desperate for help.
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 XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

XXXX : Account number : XXXX, Last reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for XXXX, NO REPORTING for Experian, and XX/XX/XXXX for XXXX. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail. 

XXXX  XXXX : Account number : XXXX, Last reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for XXXX, XX/XX/XXXX for Experian, and XX/XX/XXXX for XXXX. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail.