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

Dear CFPB, I tried to fix an abusive and incorrect information that XXXX and Bank of America is reporting the account ending in xxxxxxxxxxxx XXXX as Charge-off. Debt included in or discharged through Bankruptcy Chapter XXXX on XX/XX/XXXX. The limnit was XXXX, and highest balance was {$11000.00}. 
On XXXX  I can see that : Balance {$11000.00} Credit Limit {$7500.00} Available Credit $ XXXX ( How is possible to have negative availability when my dept wast discharged through Bankruptcy Chapter  XXXX by Court of Law on XXXX, XXXX? I never heard about that some/ or an institution to be above Law? 

The XXXX updated my report with the above account on XX/XX/XXXX as Charge-off. In my humble opinion I believe that are they trying to overrule a Federal Law and to reinstall an account that was closed many years ago and included in Bankruptcy. 

My Info Regarding Bankruptcy : US BKPT CT CA XXXX XXXX Bankruptcy chapter XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX Court US BKPT CT CA XXXX XXXX  Contact Info of : BANK OF AMERICA XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX info : XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I believe the above account was closed back in XXXX-XXXX and for sure the dept was included and discharged through Bankruptcy and any dept was dissolved and approved by Court of Law back on XXXX. By Law I owe {$0.00} to anyone and nothing negative should be reported as negative on my credit report. 

It's impossible that to have bad debt and to be placed for collection and updated on XX/XX/XXXX with a past due amount of {$11000.00} when the amount should be {$0.00}!
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 XXXX XXXX XXXX. 

XXXX. XXXX XXXX XXXX has violated my rights. 


XXXX XXXX. XXXX section XXXX A. Status I have the right to privacy XXXX XXXX XXXX Section XXXX Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX ( a ) ( XXXX ) Section states : no consumer reporting agency may make any consumer report counting 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. 

XXXX XXXX ( 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 or other personal consumer reports

I am filing this complaint against Experian, XXXX XXXX XXXX regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, Experian has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below are not associated with my residence history and must be removed : XXXX XXXX XXXX, XXXX XXXX XXXX, NY, XXXX & XXXX XXXXXXXX XXXX XXXXXXXX, NY, XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New York XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report. 
2. An updated credit report reflecting the corrected information. 
3. Written confirmation of the actions taken to resolve this dispute.
Product: Credit card

Requested and was approved for Citi AAdvantage credit card XX/XX/XXXX. 
Received physical card in the mail XX/XX/XXXX. 
Attempted to activate XX/XX/XXXX. While frustrating and difficult, was ultimately successful. 
Used card for two days.

Currently unable to use card as it has been locked for fraud.

When I login to my online account, Citi tells me to call them.

When I call, Citi tells me they are unable to help me.

Have tried to contact them multiple times and requested escalation to someone who can help with this issue but Citi is unwilling or unable to take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

LAST CHANCE TO SETTLE OUT OF COURT XXXX XXXX AND XXXX, ON XX/XX/XXXX XXXX  SUPRESSED OUR CREDIT FILES BECAUSE WE KEPT CHANGELEDGING THEM THAT THEY KEPT ALLOWING PROMO INQURIES AFTER OPTED OUT IN XX/XX/XXXX. AS A RESULT XXXX XXXX XXXX XXXX, FILED CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX CASE NO. XXXX, CLOSED ON XX/XX/XXXX, THE TRUSTEE LEFT OUR 3RD PARTY CLAIMS FOR YOU AND XXXX  ON THE TABLE TO FILE SUIT.SEE ATTACHED.
Product: Credit card or prepaid card

On XX/XX/XXXX I spent XXXX $ at crate barrel retail store as part of the promotion ( XXXX $ refurbishing store credit ) for new card bonus run by American Express. I kept checking with the representative many many many times after I made the qualified purchase and every time I was told I will get the credit after XXXX weeks. However on XX/XX/XXXX they told me my purchase is not eligible so they couldnt issue me credit. 

The specific reasons they provided are : XXXX. The store I purchased from is an outlet store which is not qualified.

2. My purchase was for business purchase However, I purchased at crate barrel store located in XXXX XXXX XXXX in XXXX which is not an Outlet store. Also I have attached the receipt for my purchase. It clearly shows what I purchased at which store and it is for personal use not business order. 

However, the Amex representative just refused to check my receipt. 

I am very disappointed by how Amex treated its customers. If you dont have enough budget you shouldnt run such promotion.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( please remove this account before I seek Litigation for defamation of character ) XXXX XXXX Bal. {$790.00}, XXXX  XXXX Bal. {$500.00}XXXX XXXX XXXX XXXXXXXX Bal. {$950.00}, Self finacial Bal. {$720.00}.
Product: Checking or savings account

I signed up for a Citibank promotion to open a Checking account. The promotion was for a {$1000.00} bonus for depositing {$75000.00}. I opened it at their XXXX, IL branch to make sure I did everything right. The promo was as follows : Open a new checking and enroll in offer. 2. Deposit funds within 20 days. I deposited the same day.3. Maintain balance for 60 days from the 21th day. I opened the account on XX/XX/XXXX. I am still waiting for them to deposit the bonus in my checking account. I contacted citibank and was told that I should have received the bonus and thy would open a dispute on XX/XX/23. I should be resolved in 5 days. It has not. I went to the XXXX branch and asked them to check into. They said they would email the person handling the dispute. They said they would contact me later. Nothing.
Product: Debt collection

I received a copy of my credit report, and that is when I notice the collection account for National Recovery Agency. I was never notified by the collection company, so I was unable to dispute the account for which they are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX placed a permanent limitation on my account and kept all of personal information including my credit card accounts and banking information. There were purchases made through the account that I longer have access to in where merchants charged me for merchandise I don't have possession of and I am unable to dispute the transactions. These charges are a result of identity theft and I request that all the information be removed and blocked from the furnisher. 



The credit bureaus are in violation of the clear provisions of FCRA 605B ( c ) The  information should of been blocked within 4 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. 

XXXX XX/XX/2020
Product: Credit reporting

on XX/XX/2014 XXXX Placed an inquiry on my credit report .it was an false inquiry. on XX/XX/2014 XXXX sent me a letter to send to the credit bereau's 
XXXX and XXXX removed the inquiry, but to this day equifax still will not remove it affecting my credit.also there are some other inquiry that should not be on the equifax report also.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not supposed to be reporting on my credit report. In accordance with the Fair Credit Reporting Act these accounts has violated my rights. 

15 USC 1681 section A states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXXXXXX XXXX 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

This My Second ComplainXXXX, The First case was denied
Product: Credit reporting or other personal consumer reports

I have a HELOC and there is a sub account, the payment is to be one payment, they split it into 2 payments, I paid & there is payments shown but they have reported me for being late in XX/XX/XXXX & now XX/XX/XXXX. I was told by XXXX XXXX that since I complained they would place more late payments on my credit. They did. XXXX XXXX from XXXX XXXX told me that XXXX XXXX is hemorrhaging accounts & they need to stop ppl from refinancing elsewhere & their making sure accounts are looked over & they report late payments aggressively. This is the 2nd time I've had to report them for the same issue. This is not 2 accounts it's one HELOC & they are now saying it's 2 accounts 2 payments & it never has been. Below are the payments from the account & as you can see I paid it & they reversed it. They are on purpose filling late payments again ppl to ruin ppl 's credit to stop us from refinancing. I have show the payment I just made has been reverse & now they show there's not a payment made. I make the payment amount that is shown on their website & XXXX XXXX told me I have to now open the statement & pay some amount I do not see on any statements, XXXX says the website is no longer has the right amount to pay & I have to open every statement & pay that amount but the amounts are the same, they took my husbands credit from XXXX to XXXX this is shameful & how are they allowed to do this? XXXX XXXX is on purpose playing games with payments so they can ruin your credit so you can not refinance to get out from under them. 


Amount sort in descending order Transaction Details for Row 1 XX/XX/XXXX PRINCIPAL REVERSAL {$18.00} Transaction Details for Row 2 XX/XX/XXXX PRINCIPAL PAYMENT + {$18.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$8.00} Transaction Details for Row 4 XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row 5 XX/XX/XXXX PRINCIPAL PAYMENT + {$8.00} Transaction Details for Row 6 XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row 7 XX/XX/XXXX PRINCIPAL PAYMENT + {$23.00} Transaction Details for Row 8 XX/XX/XXXX INTEREST PAYMENT + {$9.00} Proof of payment. 


Date sorted in descending order Description sort in descending order Amount sort in descending order Transaction Details for Row 1 XX/XX/XXXX PRINCIPAL PAYMENT + {$18.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$8.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$8.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$23.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$1.00} Transaction Details for Row XXXX XX/XX/XXXXXXXX  INTEREST PAYMENT + {$18.00}
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 name : XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX account name : XXXX XXXX XXXX XXXX account name : XXXX XXXX XXXX XXXX XXXX account name : XXXX XXXX  XXXX XXXX account name : XXXX XXXX XXXX XXXX account name : XXXX XXXX XXXX account name : 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16815-2 ( 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 or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV Funding/Resurgent Capital has continued to harass me by sending me 6-10 letters at once about a debt that I don't owe them nor have they proved bearing my signature. I have sent them Dispute Letter, Debt Validation Letter, Cease/Desist Letter and Affidavit Of Truth showing their violations. 

LVNV Funding, LLC/Resurgent Capital Services has violated my rights and continuely try to collect debt that I don't owe. 15 USC 1692c ( a ) states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may NOT communicate with a consumer in connection with collection of any debt. 15 USC 1692 b ( 4 ) states, NOT communicate by post card 15 USC 1692b ( 2 ) NOT state that such consumer owes any debt 15 USC 1692b ( 5 ) NOT use any language or symbol on any envelope or in the context of any communication effected by the mail or telegrams that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX, I had a problem with an application for an apartment where the landlord could not view my credit history. It was not for lack of credit, but an inability to access it. Something similar happened again around XXXX when I tried applying for credit cards, where my account could not be accessed. Conserned about this, I contacted all 3 credit bureaus and each said that it was due to lack of credit history. The same thing happened again with another application for an apartment in early XXXX, saying my account had some kind of lock on it. The most recent occurrence was when I tried to sign up for XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and the website said that my social security number did not match my name.
Product: Debt collection

He has repeatedly called me and has started threatening to garnish my wages, to come to my job, called me names and embarrassed me publicly by telling my co-workers I was n't paying my bills on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 


XXXX. XXXX, XXXX XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Third party Debt collection agency bought the debt I don't not owe this debt out was charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

Please describe this debt to me as I am not familiar with this.
Product: Credit card

I opened a credit card with Suntrust Bank. We agreed on a {$2900.00} transfer to my old credit card to clear that balance. However, they made the transfer twice. They did agree to credit me the second {$87.00} transfer fee but will not credit my account for the extra {$2900.00}. They said they ca n't retrieve it so I am responsible for the balance. They suggest I track down and try and retrieve this money and pay the bill.
Product: Mortgage

You have just closed my complaint based on FALSE response submitted by Selene Finance Company. Selene is a criminal enterprise that should be shut down. CFPB should at very minimum review MY statements received FROM Selene Finance and the statements that Selene sent you directly. You will then see they have falsified the statements sent to you. 
Granted, they have stolen only a mysterious {$53.00} sent to escrow for no reason. This is to cover up the TWO late fees they charged. 1. Selene charged a late fee of {$49.00} on XX/XX/XXXX, 16 days after receiving the loan. Contrary to federal law. 2. They charged a late fee again on the payoff statement. Contrary to federal law within 60 days and additionally without basis. Both these items, XXXX statement and payoff quote are attached. You will see they told ME it is a late fee. They told YOU the funds have gone to escrow. 

Clearly, I am XXXX during my day job, this is a laughable matter for me. I had the funds to pay off this predatory company in full. CFPB owes it to the consumer to protect them. You must get numerous complaints from consumers who do not have the means to pay off and get away from this predatory company. You MUST strengthen consumer protection and here you have the tip of the iceberg. Please protect consumers in general and specifically from Selene Finance. This is text book predatory mortgage company. You are literally there to pick these low hanging fruit and put them out of business. 

Moreover, how can they charge me a late fee, twice, illegally and all within the 60 days they note in their initial response to you??? Then submit falsified docs to you and you close the case. This is NOT acceptable. 

If they claim they have emailed, that too, is a lie. They have sent twice, an email with something that is not able to be opened. I requested my company IT to try to open attachment and we are not able to even get to a step that might try to open.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX  account number XXXX XXXX XX/XX/XXXX Inquiries : 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 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

This Company Recievables Management Is trying to collect on 4 medical bills and they are not licenced in my state to collect debt! Additionally They are reporting negative information on my credit report for all three credit reporting Agencies! These bills have never been verified and they are not mine! If they are, they are more than Seven Years old, because I have Had Medical Insurance for they last 7 years!