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

I have a CitiBank Citicard XXXX XXXX credit card. 
I paid off my balance of {$4300.00} on XX/XX/2019. 
Citicard accepted payment and my balance moving forward was {$0.00} Citicard send their reports to the Credit Bureaus on the XXXX of each month but did not report my XXXX payment and {$0.00} balance to the Bureaus on the XXXX XXXX. 
So as a consequence my credit report still shows an outstanding balance of, now, {$4500.00} and my credit has dropped to XXXX and is dropping 10 points a day because this large balance is showing unpaid. The last time Citicard reported my payment was XX/XX/2019. 
I have called them daily asking to get this resolved and have been disconnected multiple times. I have spoken with supervisors and they tell me to send a fax to Citibank Credit Resolution service explaining the situation. They will then try and resolve the problem with 7 - 10 days. 
If I am forced to wait that long my Credit rating will be below 600. 
I am trying to buy a car for my work at present and can not qualify for anything as my credit is not good enough due to this issue.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX  XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX Balance Owed : {$7300.00} XXXX  XXXX XXXX Balance Owed : {$0.00} tied up
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided XXXX ta my information being exposed, | have submitted a FTC complaint reporting the information i am not familiar with. 
Please find attached a copy or My ID. The FTC complaint, a copy or the NPD report showing my information being exposed in a national data breach and a Validation of debt letter
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XX/XX/XXXX XXXX  XXXX Balance : {$890.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$600.00} XXXX XXXX  ( Original Creditor : XXXX NV XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According XXXXo FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to express my profound disappointment with your handling of my credit report. Since XX/XX/XXXX, you have been reporting inaccurate and false information on my credit file, despite multiple notifications from me and the Consumer Financial Protection Bureau ( CFPB ) that the information is the result of identity theft. 

On XX/XX/XXXX, I notified you of the identity theft and provided you with an FTC Identity Theft Report and a police report. Despite this, you have continued to report the erroneous information as collections on my credit report. Specifically, the account in question is with XXXX, located at XXXX XXXX XXXX, XXXX, XXXX XXXX, with the phone number ( XXXX ) XXXX. 

I also requested that you validate this debt, and to date, you have failed to do so. This ongoing error has severely damaged my ability to earn a living and directly affected my chance of obtaining a {$5000.00} loan, which was denied due to the falsely reported collections on my credit report. Your continued reporting of this incorrect information, despite being fully aware that it is a case of identity theft, has cost me significant time, money, and emotional distress. 

Given these circumstances, I have decided to pursue legal action against TransUnion in small claims court. Your failure to correct these inaccuracies, despite being provided with all necessary documentation, demonstrates a clear disregard for my rights and responsibilities under the Fair Credit Reporting Act. 

I urge you to take immediate corrective action to remove the false information from my credit report and prevent further harm to my financial well-being. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies. 

You are required to take these inquiries and deleted accounts off my credit is making me not eligible to get a house or a new car.. 

The following inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies. 

You are required to take this derogatory account off my credit this is making me not eligible to get a house or finance a new car.. 

The following inquiries are.. 


Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$920.00} Original Balance {$920.00} Limit XXXX XXXX Monthly Payment {$0.00} Last Payment Status Collection / Charge-Off Loan Term XXXX Loan Type XXXX Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Collection Account|Placed for collection Creditor Information XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone # : XXXX this is my second notice and then legal action will be taken
Product: Credit reporting or other personal consumer reports

About XXXX months ago I reviewed a copy of all ( 3 ) of my credit reports ( EQUIFAX, XXXX, and XXXX ) where I noticed accounts that are reporting inaccurately. It is showing misleading information, as it is showing me late on a few accounts from XX/XX/2022 to XX/XX/2022, but to my knowledge this is incorrect or an error not of my own doing. I have spoken to the creditors via mail and simply just asked for the accounts to be updated to PAID/PAID AS AGREED, NEVER LATE if the proper evidence can not be provided. I have been getting either no response or unsatisfactory responses with quick " investigations '' that provide know documentation. I been submitting complaints to the CFPB. This misleading data is causing a great harm to not only my credit score, but my employment is in jeopardy as I'm required to maintain exceptional credit as a government employee with a Top Secret Clearance. 

After recently seeking legal counsel regarding consumer laws, I was made aware that these inaccuracies are a violation of the Fair Credit Billing Act ( FCBA ), 15 US Code 1666-1666j " the creditor must provide the consumer with PROOF that they were indeed late but they HAVE NOT. It also fails to comply with 15 U.S. Code 1681 " to report fair and accurate information ''. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not proven certifiable fully true, correct, complete, timely of known ownership and responsibility to the consumer. I DEMAND evidence of the investigation beyond a computer automation that simply states " Investigation is Closed '' Please provided the documentation steps required by law indicated which individuals and measures that were taking to prove the Creditor 's claims. 

I beg of you, a quick search of my credit prior to XX/XX/2022 will show my credit worthiness and consistency of on time payments and fulfillments for over 2 decades. Please eradicate any and all derogatory aspects of reporting and at the MININUM I simply request to rectify as PAID/PAID AS AGREED, NEVER LATE on the below listed accounts. These bureaus are violating multiple FCRA, FCBA laws and it is very detrimental to my credit score and putting my employment in jeopardy. I'm a first responder for the US Government and I'm sick as how errors and lack of due diligence by a creditor can easily and dramatically affect someone's financial livelihood. The companies are listed as followed - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In Closing, I simply asked to update the listed accounts as PAID/PAID AS AGREED, NEVER LATE or provide the required documentation under the law that a proper investigation was conducted that proves otherwise to not include a automated electronic response as " Verified As Accurate and Updated ''
Product: Credit reporting or other personal consumer reports

Since the month of XX/XX/year>, I have contacted all of the three credit bureaus about duplicate accounts that are for the same collections. All three credit bureaus have allowed XXXX XXXX and XXXX XXXX to stay on my credit report even after I disputed that I did not recognize that the information as the XXXX XXXX XXXX was more than the original amount that I should have owed. Once I paid to settle the collection, Experian put duplicates of the XXXX account as a new collection TWICE. I am currently again having to dispute the information with the bureaus on a debt I paid almost two months ago. 
I am being harmed by the people who basically have our lives in their hands.
Product: Mortgage

On XX/XX/2023, I enrolled into automatic payment of my mortgage. I was going out of town, and was ensured by the UNION HOME representative that they would do automatic payments from my checking account which I had enough money for withdrawing these payments. 

When I got back into town, NONE of the payments were withdrawn from the checking account and I received mortgage statement showing that I was past due. 

I tried to immediately call this lender and NO ONE answers the phone and NO ONE calls back. 

I do not want any late payments to be recorded on my credit report which is a bank error and not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent an investigation request to XXXX and XXXX XXXX. Over 30 days have past, and they have yet to respond.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Formal Complaint Against Klarna Failure to Issue Refund To Whom It May Concern, I am filing a formal complaint against Klarna for its failure to properly issue a refund for a canceled XXXX XXXX order. Despite multiple disputes and extensive communication, Klarna has mishandled my refund for over 80 days, resulting in financial loss and unnecessary stress. 

Complaint Details : Order & Refund : On XX/XX/XXXX, I placed a XXXX XXXX order totaling {$390.00}, paid via Klarna. The order was canceled on XX/XX/XXXX, and XXXX XXXX confirmed that they issued a full refund to Klarna the same day. 

Klarnas Mishandling : Klarna incorrectly applied the refund to a different order and later falsely claimed to have received only {$31.00} from XXXX XXXX. The remainder of the refund ( {$350.00} ) was never properly credited to my Klarna account or refunded to me. 

Failed Refund Attempts : Klarna claims to have attempted three separate refunds to my debit card, but none were received. Additionally, Klarna stated that a refund check was mailed on XX/XX/XXXX, and again on XX/XX/XXXX, XXXXneither check arrived. 

Unresolved Disputes : I have contacted Klarna XXXX times ( XXXX via chat, XXXX by phone ), filed five disputes, and provided bank statements proving I never received the refund. Klarnas representatives have given conflicting information and failed to properly process my dispute.

Forced Payment Under Threat : On XX/XX/XXXX, Klarna forced me to make an additional {$87.00} payment, threatening to report the account as late, even though an active dispute was open regarding the missing refund. 

Violation of Klarnas Terms & Consumer Protection Rights : The Klarna Pay in 4 Agreement clearly mandates that any credit received from the merchant must be applied to the outstanding balance, with any excess refunded to the original payment method ( Klarna Pay in 4 Agreement, Returns and Refunds provisions ). 

Furthermore, the Klarna User Terms ( v7.0.1, published XX/XX/XXXX ) require that transactions and disputes be handled promptly and accurately. The prolonged delay and mismanagement of my refundnow exceeding 80 daysare unacceptable and are solely attributable to Klarnas internal errors and inadequate customer service ( Klarna User Terms, v7.0.1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My balance was paid to {$0.00}. I contacted each individual credit bureau ( XXXX XXXX, and XXXX ) about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45 days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a let out on XX/XX/XXXX to XXXX, and XXXX. .Here are my tracking numbers : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I have also previously submitted a complaint for the account via CFPB to Experian However, the credit bureaus said the completed investigation, and everything was accurate. 

The account in question is : XXXX XXXX XXXX  : XXXX XXXXm According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a credit of the consumer or from the consumer. 

I would like to know who they talked to? How did they complete this investigation? 

Also, I have attached a copy of the last reported bill from the original creditor which does not have the same information as what is reported on my credit reports.
Product: Debt collection

XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX XXXX XXXX ( Amount : XXXX ) ( Equifax ) XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX XXXX XXXX ( Amount : XXXX ) ( Equifax ) XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX ( Amount : XXXX ) ( Equifax ) XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX XXXX XXXX ( Amount : XXXX ) ( Equifax ) XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX XXXX XXXX ( Amount : XXXX ) ( Equifax )
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they DID NOT COMPLY with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these VIOLATIONS
Product: Prepaid card

I contacted Bank of America because I've been approved for Unemployment benefits and someone has been collecting my benefits and using them from XXXX the total amount is XXXX I'm a XXXX XXXX  and struggling I need that money. I've done over XXXX claims with Bank Of America to get my money back. I was told I need to wait 90 days that is crazy I can't wait that long I'm a single mom of soon to be XXXX XXXX that can all benefit from this money that was taken from us. I had over XXXX taken from my taxes for an over payment from Unemployment that I never received. Bank Of America is being wrong for this I will reach out to more people and places for help with getting all of my money back! I'm not sure of the card information but this is my second complaint the first one states the card number I was given
Product: Mortgage

I opened an escrow free Mortgage with XXXX XXXX XXXX in XX/XX/2017. I paid taxes and insurance myself. 
Six months later, XXXX sold my loan to Flagstar. Flagstar bank opened an escrow account without my consent. They claim I have a shortage, but I'm paying my taxes and insurance. Only thing I should be paying is principle and interest. I paid the escrow fees, while continuing to pay my taxes and insurance for six months. This last month, Flagstar increased the escrow fees 300 %. I have not missed an insurance payment and am current on my taxes. Since Flagstar increased the escrow fees, I have stopped paying escrow because I don't earn enough money. I have asked repeatedly for Flagstar to remove escrow from my account and refund me the money they have collected. They refuse.
Product: Credit reporting or other personal consumer reports

Wells Fargo deposited 2 of my checks into someone else account
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report.

Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 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.

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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!
Product: Mortgage

wells Fargo took My home and Shop in an unlawful short sale. The shop was for my LLC company.It was taken from me while I was XXXX and given to someone who couldn't get a loan. 
Rather than help me save my home and shop..
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel i'm a victim of identity theft because someone attempted to apply for items in my name. I went to file a police report but they told me because nothing was stolen only an attempt that I would have to file a complaint with the Consumer Financial Protection Bureau in order to get a solid resolution and report to the bureaus. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX AUTO - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX FIN - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Mortgage

Please see attached NOTICE OF INVALID INSTRUMENT ( S ), NOTICE OF BREACH OF CONTRACT, NOTICE OF FALSE CREDIT REPORTING AND NOTICE OF CEASE AND DESIST.
Product: Payday loan, title loan, personal loan, or advance loan

Constantly calling me and my job Harassing me for payments for loan Violating the fair credit debt collection act And my privacy by telling my co workers My problems and non.stop calling my family in search of payments Totally Harassing me and I can prove on my.call logs over 50 calls less then a 30 day period unprofessional and unacceptable
Product: Mortgage

I've sent a Debt validation letter on XX/XX/2024. The company is refusing to send me the documents I've asked for. Therefore, without them sending me the information I've asked for, I was forced to go into bankruptcy to stop the sale of my property. I've asked for this information on several occasions. These are the documents that I have requested and have been notarized. I keep getting threatening letters from their lawyers foreclosing on my house. 
1. A CHECK OR BANK TRANSFER THAT PROVES THAT A LOAN WAS ISSUED 2. THE PROMISE TO PAY/THE PROMISSORY NOTE 3. THE TITLE WITH SUNWEST MORTGAGE COMPANY ON IT 4. THE CORPORATE RECORDS, THE FINANCIAL RECORDS AND THE BOOKING OF ACCOUNT RECORDS TO MY HOUSE, SO CALLED LOAN 5. A COPY OF THE SALES AGREEMENT OR ANY OTHER DOCUMENTS THE PROVES HOW YOU OBTAIN THIS DEBT.