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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to TransUnion and XXXX from XXXX of 2017. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

- I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such 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 ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to being behind on payments, I had my vehicle repossessed by the loan issuer, XXXX XXXX XXXX in XX/XX/2022 for my account XXXX. The amount total amount due at that time in XX/XX/2022, when the car was repossessed, if I wanted to get the vehicle back including the fees for storage, tow, and loan due balance was {$5900.00}. I wasn't able to get the vehicle back. The issue is that XXXX XXXX XXXX is unjustly updating and reporting delinquent payments to the credit bureaus on a car loan account they reported as closed, as repossessed, and has been repossessed for nearly XXXX year. Each month they are erroneously updating the balance on this closed and repossessed account. I have written to XXXX XXXX XXXX several times to resolve the issue to no avail. They ( XXXX XXXX XXXX ) continue to report due balance updates on nearly one year old closed and repossessed account for a car I have not had for nearly a year since they XXXX XXXX XXXX XXXX ) repossessed it. At the same time they held an auctioned for the vehicle with XXXX XXXX XXXX in XX/XX/2022. I am not required to pay a balance on a nearly one year old closed and repossessed car loan for a car that I don't have.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed a credit inquiry that I did not authorize, made by the following company : Inquiry : XXXX XX/XX/2019 This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Payday loan, title loan, personal loan, or advance loan

They charge too much interest on their loan, they catch consumers at a bad time in their life and charge so much interest on the loan that you will never get through paying your loan off.
Product: Credit reporting or other personal consumer reports

On multiple occasions I have contacted the reporting agencies on account # XXXX reported by XXXX XXXX XXXX the account information is inaccurate and to be removed. Charge off debts are taxable income and can not be reported on any consumer profile. This is a violation of ( FCRA ) 15 USC 1681e ( b ). Also XXXX has been informed of Opt out of any reporting to any agency. IRS publication proves Charge offs are taxable income and income can not reflect on a consumers profile I demand immediate deletion of this account reported by XXXX XXXX XXXX. I have also made a complaint on XXXX with the XXXX XXXX XXXX  as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, I have paid off any delinquent accounts as per my transunion and XXXX  credit reports. Furthermore as of XX/XX/XXXX I have paid on time : mortgage, wi-fi, utilities, phone. As of XXXX I have bank loans, PPP loans and grants from the DC government. Yet ny score which was at XXXX has been pulled down to XXXX. 

This adverse situation during Covid has impacted my ability to apply and buy property as jobs with salary of {$100000.00} plus would require a credit score of XXXX plus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is attempting to collect a debt that I do not owe to my insurance company. I was informed by my insurance company that covid19 testing was always covered, and I went to an in-network XXXX XXXXXXXX to receive the test. Over a year later I received a collections notice, and this was the first time I ever heard anything about my claim being denied. I should not owe anything because this test was supposed to be covered 100 % as I was told. I would not have gotten the test if I hadn't asked to make sure it was covered first.
Product: Checking or savings account

There is a Citibank offer last XXXX ( the offer is still on going ). If a new customer opens checking account for the 1st time, and deposits {$15000.00} for more than XXXX, then I can get {$400.00} bonus. Therefore, I opened my 1st bank account and deposited {$15000.00}, and I checked with CITI banks customer service that Im eligible for the offer after I applied the promotion. I was supposed to get {$400.00} by XXXX XXXX, but I didnt get it until the mid of XXXX, so I called customer service again. The representative double confirmed Im eligible for the offer, but the back office is super busy because its end of the year. She also told me I can receive the offer in the 1st week of XXXX, but I didnt get any offer or feedback from CITI XXXX 
After that, I called again, and the another representative submitted the investigation ticket because shes not sure why my case is being delayed. At that time, she also confirmed that Im eligible for the offer. She told me I could get any feedback and offer within 5 business day, but I didnt get any feedback. 
After that, I called the customer service more than 10 times, and EVERYTIME WAS SAME ANSWER : I am eligible for the offer and my case is under investigation with the urgent case note, and I could get any feedback and offer within 5 or 10 business days. I also talked to several supervisors, and they also confirmed it. 
However, I never got any feedback from CITI, and when I called last Friday, another representative told me Im not eligible because some kind of promotion code was not attached. I followed every step as the guide said, and CITI representative confirmed Im eligible for the bonus offer right after I applied, and more than 10times from different representatives everytime I called. I also talked to supervisor, and she kept saying shes sorry for all the wrong information and inconvenience but theres nothing they can do. 
They couldnt told me what kind of code was missing because they didnt know, either. 
This does not make sense at all, and I can not believe how CITI bank scammed customers.
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 XXXX XXXX XXXX  Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt on my credit file that I do not owe. This Account is not mine!! I have called them multiple times to get this information corrected. They continue to tell me that this account has no balance, and they have confirmed that this debt/account is not mine. I need this account removed as it is interfering with my financing.
Product: Mortgage

XXXX XXXX, XXXX CFPB : Bank of America, a TARP Funds Recipient, took my original XXXX 1st Payment Coupon, 8.5x11 inches, which I had received via USPS First Class Mail XXXX XXXX, XXXX, stating first payment due XXXX XXXX, XXXX, which I had photocopied, from XXXX , IL XXXX. I need Bank of America to return that original Payment Coupon to me. 

Sincerely, XXXX, IL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted complaints through Experian directly, and through you. through you to be exact. The problem is not getting fixed, either you are ignoring the issue or you are allowing them to record improper information with no respect for the FCRA and how it is written. I need to take this to the next level. If you can not deal with this, I will force someone to. At this point they have caused damage to me financially, and personally. It You, the CFPB are nothing more than passing the info oi give you to them, I can do that on my own. What is your purpose? Aren't you supposed to hold them accountable? I find that you are nothing more than a relay service that people think is doing something but really is not. So, for the sixth time, and final time, after this if it is not resolved I file suit. Experian is reporting balances and terms for items discharged in bankruptcy, specifically XXXX XXXX ( 2 ) XXXX XXXX  ( 2 ) and XXXX XXXX ( 1 ) the state they are following FCRA but they are not. They are contacting the Creditor, they should not. It was discharged in bankruptcy on XX/XX/XXXX. the bal should display paid in full, original amtXXXX XXXX, terms XXXX, it should show nothing, not charged off, nothing but discharged in bankruptcy. period. In addition, XXXX XXXX  is attempting to reopen a charged off account by adding payments due monthly since XXXX! this is against the law, I do not dispute their right to collect the original amount, however to keep it as a current account adding monthly payments to the total of a charged off account is unlawful. I do not believe they are checking this because the reports they state they are using backdate in some respects to XX/XX/XXXX. Now, with this in mind, I feel they should remove these accounts. they have had 6 opportunities to do it correctly, 4 through you. All they say to me is that it meets FCRA standards, which it does not. They actually sent me a 3x4 post card with nothing but their address and a copy of the FCRA on it saying they do not have to tell me anything at all. This is a total lack of respect for the law, and a slap in the face to you, the CFPB. If you do not reel them in and fix this, I will file suit by the mid of next week. I will not continue with such a poorly monitored credit bureau and if you continue to allow this, then your just as poor and require looking into as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX ...... Date Opened XXXX XXXX XXXX Balance {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is unknown to me, I have no knowledge of the account. I never recieved proof that the account belong to me.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handle of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, XXXX AND ZELLE failed to investigate claims properly. They informed me that recovering lost funds were impossible and that tracking these funds were unfeasible. CFPB found that Zelle was not only neglectful to protect customers but have allowed repeat offenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has ignored my request to provide the documentation used to verify the accounts on my credit report. Being that they have passed the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A )  of the FCRA - they are required to " promptly delete all information which can not be verified, that I disputed. '' Please resolve.
Product: Checking or savings account

I opened a Citi checking and savings account on XX/XX/2019. Per the offer details : XXXX XXXX XXXX I kept over XXXX daily on the account for more than 60 days already, and have my direct deposit going into the checking account from my job. I should have gotten the XXXX $ bonus but have not and Citi won't help when I try to contact them.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card

XX/XX/year>2025 cashapp closed my account and with will don't transfer any money of my account I try pending it but it said I'm block from website so I can do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been victimized by your company reporting erroneous information. After several attempt of trying to rectify the matter with your bureau in civil manner, my attempts have been unjustified and ignored violating the FCRA and my rights as a consumer. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I  have made.
Product: Credit card or prepaid card

JPMCB CARD SERVICES Reported : XXXX XXXX, 2022 Balance Credit limit {$20000.00} Improper use of my credit report. Fraudulent In accordance with the fair credit reporting act, this creditor, JPMCB CARD SERVICES has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy.

15 U.S.C. 1582 section 604A state to consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose It is my request that this account be removed from my credit bureau of XXXX and any other credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX Balance : {$3900.00}
Product: Checking or savings account

Truist denied a Fraud Claim stating that I have received benefits from the merchandiser. 

A family member clicked on a XXXX ad to what they thought was a Fall Sale for XXXX XXXX. 

The site was copied to look exactly like the official site. 

Upon receipt of an confirmation the email looked off. 

We called XXXX XXXX who informed us were frauded. 

We immediately called Truist on XX/XX/12 at XXXX within XXXX minutes of the confirm They told us it was too late to stop and to file a fraud Trusit rejected the claim stating the merchant stated we received the claim- a company called XXXX they failed to close the account as requested and left XXXX as a recurring payment. 

We are seeking the return of our {$190.00} for the fraudulent denial of the claim
Product: Credit card or prepaid card

A credit card was opened fraudulently with my information through Capitol One in XXXX. The phone number Capitol One has on file for account is a number specifically designated to Make calls to & from XXXX. The adress they have on file I didn't live at until XXXX. I did NOT open this account. I can even prove that I NEVER made any payments with any bank account. 
I didn't know of this until receiving a collection notice from a collection firm called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this year.
Product: Credit card or prepaid card

In early XX/XX/XXXX called capital one and disputed two late payments of XXXX each. As i pay with online banking and see that all payments were sent to the credit card company. the two late fees were given because the credit card company said the payments came in 24 hours to soon an were posted on the previous billing cycle. My statement date for late payments is the XX/XX/XXXX of the month. I use bill pay and the payments are sent out 2-3 of each month when my ssdi check clears. The second late fee was not removed till i opened a cfpb complaint XXXX on XX/XX/XXXX. 24 hours after making the complaint a high level capital one rep with her own phone number and pin code to call called me. She removed the late fee but would not move the payments to the right months. On XX/XX/XXXX Statement the bill was wrong do to the late payment and there system showing late month payment was missing. I disputed that bill with the capital one rep. This month bill there is now a XXXX late fee on a disputed account for missing payments. A letter of dispute was faxed and mailed to capital one before this months billing cycle ended.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


INQUIRIES : TRANSUNION XXXX XXXX XX/XX/year> I believe these items are either inaccurately reported or have already been resolved, and I respectfully request a thorough investigation and correction. I have contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are screenshots of my credit report that highlight the inaccuracies. I appreciate your attention to this matter and kindly request a prompt update to my credit report, as accurate information is crucial for my financial well-being. Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently checked my score, hoping to see that it changed for the better after I paid off a bill and got new credit card.Instead I see my credit score was a XXXX. Literally.I can not get no one to explain it to me.I see the bill I paid off completely is on there twice!  All this is happened this year.