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

I have problem with my CITI bank credit card account ending with XXXX. 
For my CITI bank credit card, i have made all the payment agreed with CITI Bank. 
However it is still mentioning that i have NG balance on my account, That is affecting my credit score. 

I request to do necessary action to remove NG from my CITI bank credit card to improve my credit score. 

Thanks & Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX & JP morgan chase I verified and authenticated myself months ago and I have to documents that was mailed to me to provide proof of that. I verified myself and my phone number over the phone and online. It wasn't until I requested another consumer report and I accidentally entered my wrong DRIVER LICENSE NUMBER. This has effected my case with CFPB and JP Morgan Chase because I don't no longer hold access to the phone # ( XXXX ) XXXX. My phone # has been XXXX for years now. I even verified myself before and I have full evidence of Consumer Report showing my number. I believe XXXX made a error and contacted CFPB claiming to reach me when i was the one to make BOUND calls to XXXX. This is unfair and causing me to pay monthly for a auto loan that my private seller ( XXXX XXXX ) can not cash because CHASE & XXXX are not doing there correct part at ALL First the problem was being unable to verify my number, now because of this incident Chase executive left note saying Not to call my number according to Chase fraud department Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, My account with MILITARY STAR was transferred to their collections department ( XXXX  ). 
On XX/XX/XXXX, I paid the collections in full through XXXX. 

Upon comparing my XXXX consumer report, MILITARY STAR is currently reporting as closed however the current payment history is reporting active collections. How is this possible when the account was paid in full through collections ( XXXX  ) and closed? 
How can a closed and paid off account still actively reporting? 
This a violation of my consumer rights pursuant to 15 USC 1681 Upon comparing my XXXX report, MILITARY STAR is currently reporting as closed however currently reporting on time payments. How is this possible when the account was paid in full through collections ( XXXX XXXX  and closed? 
How can a closed and paid off account still actively report? 
This a violation of my consumer rights pursuant to 15 USC 1681 Upon comparing my XXXX XXXX report, MILITARY STAR is accurately reporting as closed/paid and no payment history. This further proves the inaccurate reporting to XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US Dept of EDXXXX Account # XXXX and XXXX XXXX  Account # XXXX, had violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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
Product: Credit card or prepaid card

On XX/XX/2022 I attempted to register my prepaid XXXX  debit card using XXXX as instructed on the card. I tried 4 different browsers, 2 different computers, and 1 phone and all results were the same " Oops there was a problem ''. I called in to the XXXX phone number to resolve the issue. After 2 hours on the phone, I was hung up on by a supervisor. The agents could not resolve the issue without me " validating the card through the automated system '', however, THE AUTOMATED SYSTEM NEVER GAVE ME THAT OPTION! When I call in and enter the account number, the system sends me directly to a representative with no other options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit file and noticed that the information reporting is inaccurate. I contacted all three bureaus and expressed my concerns. Two of the three bureaus removed the items and Equifax did not. I sent a copy of the investigation results from the other bureau showing the item had been investigated and removed. According to the FCRA if one bureau finds the item inaccurate, incomplete or unverifiable they are to share that information with all other bureaus and the item should have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon my review of my consumer reports it has come to my attention that you XXXX  XXXX XXXX are reporting accounts to my Consumer reports that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, my student loans are my private information, and you have reported my private information without my consent. Your actions amount to aggravated identity theft.

18 USC 1028A.

As a consumer you have an obligation to protect my personal nonpublic information.

15 U.S. Code 6801 - Protection of nonpublic personal information- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

You reported my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures. Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : a ) The financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; b ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties ( XXXX, TransUnion, XXXX, XXXX  ) I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B Due to this inaccurate information on my credit report this has caused me mental, emotional stress and denigration to my character. XXXX  XXXX servicer have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 

See below on the XXXX accounts that need to be deleted off my credit report immediately XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX
Product: Debt collection

I am complaining against Care Credit because the {$800.00} I agreed to pay back at {$27.00} am month I was doing with only being late in XX/XX/XXXXwhich I let them know and made up in XX/XX/XXXX. In XX/XX/XXXX my bill was at {$530.00} by XXXX it went to {$930.00}, which was a increase of {$390.00}. As of this month of XX/XX/XXXX, it is now {$980.00} and they are requesting that I owe {$220.00}. due for the month of XX/XX/XXXX. This is ridiculous, they told me when I had called them a few months ago that since I had not paid he original bill off by XX/XX/XXXX, interest is being charge on me. I did write them a letter to complain and I would report them, but they don't seem to care about that. I have continued to pay the {$27.00} each month by money orders but now the last letter they sent to me they claim they will turn this over to collections to pursue this debt if they don't hear from me by XX/XX/XXXX.
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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Mortgage

The U.S. Bank Mortgage Loan Originator, XXXX XXXX, at the XXXX, NE Branch provided XXXX XXXX and XXXX XXXX with a Purchase Ready Buyer Certificate on XXXX/XXXX/XXXX. The clients changed their last name to XXXX prior to presenting a Purchase Agreement contract offer on a property located at XXXX XXXX XXXX XXXX XXXX, NE XXXX dated XXXX/XXXX/XXXX. We were presented 3 other offers which were similar in terms and provisions. We chose U.S. Bank 's client, the XXXX 's offer, based in part, on their Pre-Approval status with U.S. Bank as stated in the Purchase Contract as well as the Purchase Ready Buyer Certificate. We were notified by XXXX XXXX via a denial letter that U.S. Bank was unable to originate the loan on XXXX/XXXX/XXXX. That is a span of 44 days and happened to be the date they were scheduled to close on the sale of the property. This is completely unacceptable and demonstrates a very poor business practice not to mention gross negligence by U.S. Bank 's employees. Subsequently, this required us to provide another months mortgage payment, insurance and utilities on the property which we had not planned for nor budgeted thinking U.S. Bank 's client, the XXXX 's, were good for the loan as stated by the Purchase Ready Buyer Certificate and Pre-Approval status on the Purchase Contract. It also caused us to put the property back on the market and may cause additional financial hardship in the event we ca n't close prior to the next mortgage payment due date. The reason for the denial as stated in the denial letter was that XXXX was not able to verify his ITIN. This should have been verified prior to Pre-Qualification in the first place. The certificate is a deceptive instrument used to give everyone a false sense of confidence.
Product: Vehicle loan or lease

I tried getting a car because it has been advertised that they will finance no matter what you credit score
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I have been disputing this account for some time now with AFNI. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they sent back documents that still do not prove that I am the owner of this account or that this debt is mine. They have responded to my dispute and have verified this as an open account but they have failed to provide sufficient documents that show if I am the true owner of this account and debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I was under the impression that if they did not have valid proof that this account belongs to me that it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Product: Credit reporting or other personal consumer reports

I'm writing to dispute these XXXX unauthorized inquiries on my credit report : XXXXXXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX To my knowledge, I have not authorized your organization to access my credit history. These inquiries violate the Fair Credit Reporting Act, specifically Section 1681b ( a ) regarding permissible purposes and Section 1681b ( c ) concerning transactions not initiated by the consumer.

If you have any documentation with my signature authorizing these inquiries, please send a copy to the address listed above. I will only accept documents that bear my signature. If you do not possess such documentation, I request the removal of these unauthorized inquiries from my credit report. Additionally, please remove all my personal information from your records and provide confirmation of compliance with my request.
Product: Checking or savings account

I have been waiting on my direct deposit since Wednesday XX/XX/year> to post to capital one bank. The most information anyone has received from them is they are experiencing technical difficulties. In the meantime my animals have run out of food, my car payment has become late, my child is running out of food, and I am about to have my internet shut off for nonpayment. It is currently XX/XX/year> and capital one has no idea when or if they will fix their system to get me my money that my employer deposited in good faith.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Comenity Bank Victoria 's Secret, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 am a natural person. I am a human being. I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 I have the right to privacy and I did not give Equifax the permission to furnish these accounts : Accounts : Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX : Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Product: Checking or savings account

XX/XX/21 at XXXX XXXX  AID # XXXX Application : us debit XXXX XXXX XXXX XXXX XXXX Florida term XXXX card # XXXX Sequence # XXXX deposit of XXXX was deposited and never put into my account. XXXX XXXX in XXXX and XXXX in fiftys. Did file an investigation but never received my money. Spoke to branch Manager and still no funds in my account went to branch at XXXX XXXX  XX/XX/21 still no XXXX in my account. The ATM ate my money and still not in my account.
Product: Debt collection

I never applied nor opened an account with Regions Bank. This is NOT an authorized account. 

Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and the credit bureaus continue to report this item on my reports. 

Please remove these fraudulent accounts from ALL credit reporting agency reports IMMEDIATELY. 

Attached : Proof of Fraud Reports Proof of Police Reports Self Identification
Product: Credit card

Citi sent a letter to my email address on XX/XX/XXXX requesting for information regarding a dispute opened previously with XXXX XXXX. 

The letter says there was a conditional credit issued for the disputed amount along with any related fees and interest charges while your inquiry is under review. 

However, there was no conditional credit issued in the month of XX/XX/XXXX per XX/XX/XXXX statement or after the initial conditional credit was reversed in XX/XX/XXXX. 

Citi Bank continues to make false claims and dishonest statements. Their dishonesty and unfaithful behavior has forced me to close my XXXX XXXX credit card account. I hope CFPB investigates further. Such a dishonest bank doesn't deserve my business and loyalty.
Product: Money transfer, virtual currency, or money service

I initiated a domestic wire transfer from my credit union to CITI Bank. The teller who input the data inadvertently placed an extra 0 at the end of the receiving account number. The receiving bank ( CITI ) rejected the wire and returned the funds, however, they kept {$40.00}. Not only was I charged the wire fee by my bank, but the receiving bank also charged me, all for an error that I didn't make. CITI did not make it known what they charge for incoming wire refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute XXXX asking CFPB to remove two accounts which are XXXX XXXX XXXX XXXX XXXX. I also asked that the XXXX XXXX be updated to paid as agreed since it shows inaccurately reported late payment on three separate months. 

Today when I called XXXX I was alerted the account was permanently closed due to fraud being reported on account. PLEASE FIX MY ACCOUNT! I had account for 1 year, 4 months with one discrepancy I was asking to be fixed not for the account to be closed. This is disheartening because I value my accounts and this decision was completely adverse to my intentions on getting assistance with this account.
Product: Debt collection

As a responsible consumer, I take my credit score and reputation very seriously. Unfortunately, due to unforeseen circumstances, I was unable to make payments on a debt I had incurred. However, I have since rectified the situation by paying off the debt in. I believe that this action demonstrates my willingness and ability to fulfill my financial obligations.

Despite my efforts to rectify the situation, the presence of this debt on my consumer report has continued to negatively impact my credit score and my ability to obtain credit for personal and house purposes. I have been denied credit and financing opportunities, which has further exacerbated the damage caused by this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I sent a letter to Equifax on XX/XX/XXXX, requesting investigations. I am attaching a copy of the letter we sent. They were supposed to respond by XX/XX/XXXX, but its now XX/XX/XXXX, and they have not.
Product: Payday loan

I had a family emergency in XX/XX/XXXX and took out an {$800.00} loan from a company called Big Picture loans. I was told by a representative of the company that I would have to pay back {$1000.00} which included a {$200.00} finance charge. I thought that was kind of steep but I agreed to that term. They begin taking out {$200.00} bi-weekly out of my account. Once I reached the {$1000.00} and assuming this was my last payment, I get an email XX/XX/XXXX from them stating it 's time to process another payment out of my account in the amount of {$220.00}. I immediately called Big Picture loans but could not get anyone on the line. I conducted some research online and discovered they are predatory lenders. I took a closer look at the Disclosure statement and this is what I discovered : the interest rate of 650.0065 % and a finance charge of {$4200.00} with a total payback cost of {$5000.00}. This is ridiculous. How can they charge me {$5000.00} for an {$800.00} loan? I have paid them the {$1000.00} that I agreed to If this was explained to me during the time of taking the loan, I would have refused to take it. Please help me obtain some resolution to this issue.
Product: Debt collection

Back in XXXX or XX/XX/2012 I moved out of my house where the cable was being provided by XXXX. When I moved out I took all the equipment to the XXXX office and  returned what was needing to be returned and paid whatever I was billed. I thought everything was fine, never got any bill, documentation, ect. Until I received a very nasty phone call about a year later that I owed them because I didn't turn in my equipment. I told them that they were incorrect, they wanted a receipt showing otherwise. We were a year removed from me turning in the stuff, I didn't have the receipt. So, I went round and round and told them that I wasn't paying them the money. Its the principle of the matter, they have messed up my credit score and there's nothing I can do about it. The will not take a payment and delete the collection trade line from my credit, only will accept the payment. I need the collection removed. I did nothing wrong here, and feel like a victim of there improper record keeping. I'm trying to get a house right now and this is keeping my score lower than it should be. its gon na end up costing me big time over the life of the mortgage I'm trying to get because I'm having to take a higher interest rate. I know a lot of other people that XXXX has done the same thing to and it isn't right at all. Please do something about this, not only for me but for all those affected by this terribly managed company. 

Thanks