23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

my husband and I purchased a vehicle back in XXXX we had it for about a year and in XXXX of XXXX the car was repossessed the account showed closed for 11 months ii was happy about that well fast forward to XXXX of XXXX credit acceptance decided to reopen the loan and report late payments to our bureaus till this day they are reporting and I have told them many times that it was already closed on my bureaus they keep telling me they never reported it when I have the reports that say they did they told me if I want it removed I have to pay XXXX which I am not I told them I was ok with leaving the debt on my report as closed but not as a open auto loan I do not have the car for it to be a open loan. I want them to remove all the late payments and close it I want them to remove it from both my husbands and my reports for this inconvenience because they are ruining my life. I have my reports printed where it shows they closed it and reopened it without my knowledge I only found out because I really needed to buy a car this year and that is when I found out they did this. I cant purchase a home because my debt to income ratio shows I have 3 vehicles when I don't
Product: Checking or savings account

Please refer the attachment of my accounts with Citibank. I opened both a checking and savings account at the Citibank branch located at XXXX XXXX XXXX XXXX, XXXX back on XX/XX/2020. Bank manager XXXX XXXX confirmed that I would, as promoted, would earn {$300.00} for {$16000.00} ( my tuition money ) that I deposited in total on XX/XX/2020 after 3 months. In late XXXX when I went to the bank to ask wny {$300.00} was not deposited into my account, I was told it would mature at the end of XX/XX/2020. 

Again early late XXXX, I visited the branch to enquire why the money was not deposited, I was told by Mr. XXXX XXXX that he would request an investigation to see why {$300.00} deposit was not made and I would be notified in a week 's time. He advised that I should not close the accounts completely because I should have an open account for the deposit to take place. So I opened a basic checking account and savings accounts with deposits of {$1500.00} in Checking and {$500.00} in Savings Account. 

After 6 months since XX/XX/2020, when I opened the accounts, I requested my dad to call the bank why {$300.00} dollars was not deposited, he was told that the investigation, though requested by Mr. XXXX, did not take place. So I talked with the Manager Mr. XXXX, who would not, or could not, explain why the deposit was not made. Finally, this morning they said that an investigation would take place and, though they would not give me anything in writing, but Case Id Number : XXXX. 

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

Upon the termination of my XXXX XXXX lease in XXXX of 2020 I received single bill for the residual close out monies owed. I called XXXX and emailed them within a few days of this statement to clarify excess wear and tear on the car since it was in pristine condition upon return. I was informed there was a scratch on the wheel. I requested a new statement given the dispute. 

From XX/XX/2020 through XX/XX/2020, we never received another bill, statement, phone call, notice - and I assumed XXXX - wife and accountant settled the existing account even though I disagreed with the initial assessment. 

Upon applying for a mortgage this month ( XXXX ) I had no idea that XXXX was negatively reporting a delinquent account - severely affecting my credit - despite over 10 years of on-time payments and customer loyalty as a XXXX owner. 

I was never re-billed, contacted or notified that the account was still open. See credit history below. There is no 30 days, 60 days, or 90 days late notification at all. The monies owed was never an issue on affordability and as soon as I found out this was an issue I immediately called XXXX to settle the outstanding account. During that call I asked them to correct this reporting issue given the same discussion points raised in this communication. I also submitted a complaint on line to XXXX regarding the matter. 

In their lack of a fair reporting or notification process, you can see the damage it has done to my credit report and XXXX loyalty. Below is the image they are reporting to my credit agencies. I have tried to resolve this matter directly with XXXX and they haven't cared to or bothered to fix this error / issue. 

As evidenced through reporting to all three credit bureaus, it shows there is a definitive lack of a notification process for the consumer based on the dates XXXX is reporting. There should be a 30 day late, 60 day late, 90 day late before the major ones they have listed below. That is all that would have been required and had been requested by this consumer and the account would have been settled immediately. ( See attached png. ) I am requesting this single XXXX issue be removed from my credit history. The impact such callous indifference has on long time loyal XXXX customers is indelible but forgivable when they chose to do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX  XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX/XXXX  XX/XX/XXXX ) ( XXXX/XXXX  XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reportin

g 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: Credit reporting or other personal consumer reports

Chase Bank is reporting the first delinquency date on my old credit card as XX/XX/XXXX. 

The actual first date of delinquency is XX/XX/XXXX. 

They keep changing the delinquency date, keeping this old account active on all three credit reporting agencies. 

I feel that Chase Bank is doing this to millions of Americans, and at the same time sending them letters demanding payment, well past the legal limit of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX to remove two inquiries off of my credit report and they refuse to help me. The two inquiries are fraudulently. The first one was from XXXX XXXX XX/XX/2019 and the second one was from XXXX on XXXX XXXX. I really need these off my credit report with XXXX. Also I reached out to XXXX to remove inquiry off my account and the refuse to help me as well. Its from XXXX sync/PayPal on XXXX XXXX also was fraudulent. Can you please help me!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax report judgement on my credit report incorrect information need be remove from credit report
Product: Payday loan, title loan, or personal loan

I informed company acct is my moms but I did help her to get her furniture for her house but she lost her job due to not being able to work anymore as a results of her health and I was struggling to make ends meet company constantly calls my phone 10-20 times a day for the payment but I cant afford all of her bills plus my own and they aren't willing to help with payment arrangements or anything its really frustrating and they keep threatening with the local sheriff dept to come out to my mom home and take her furniture
Product: Checking or savings account

XX/XX/XXXX I opened new Citi Checking account XX/XX/XXXX I successfully deposited {$5000.00} to Citi bank from my XXXX  account XX/XX/XXXX I received email about Citibank account closured in 60 days which there no information why it closed instead violated the terms which nothing explain. 
XX/XX/XXXX XXXX I called Citi bank many time and Citi representatives told same statement in the email. When I asked about remaining funds back, they said I will be receiving a mail check of the remaining balance which around {$5300.00} Waited for 2 months, I still have not received anything from Citibank XX/XX/XXXX - XX/XX/XXXX I called them again and only been told that I will not be getting a check of the remaining balanced on my closed account. Citi rep stated I have to contact XXXX where the funds originally came from. 
I called XXXX for help but XXXX can not do anything instead Citi request which Citibank not willing to work out. 
I got different information every time I called to Citibank but the sum up is that they not release the money from account closured
Product: Checking or savings account

Ally Bank has frozen my checking account on two separate occasions claiming to have reopened and investigation about my attempts to transfer funds to my sister.

The matter was already investigated, access restored and then frozen, again XX/XX/2023 Repeated attempts to contact AllyBank fraud department has been hang up on by Ally staff, after waiting in cue 10-30 minutes Repeated denial of information regarding access to my funds. Ally has not provided any written explanation for their freezing of my accounts, other than to tell me that's what I signed up for in my online banking agreement.

This ability to freeze my accounts has not been fully disclosed to me during sign up for the account.
Product: Credit reporting or other personal consumer reports

My information was compromised during the XXXX data breach. I am a paid Defendant of that case. Please assist me in enforcing the block provisions of the FCRA
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT THIS MORNING AND SAW THAT THERE ARE INACCURATE INACCURATE ACCOUNTS FROM MY CREDIT REPORT. I HAVE NO KNOWLEDGE REGARDING THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT.
Product: Credit card or prepaid card

Chase XXXX Credit Card. 
Suddenly they stopped the use of my credit card, They send me a few e-mails to correct the problem, it says chase fraud protection, asking me to recognize some transactions, I do not respond immediately, later message says response is not valid anymore, when I call, many questions and card is blocked, I spoke to several associates and no success, they say someone will call me within 24-48 hours, I got a prepaid phone, If I do not answer they leave a message to call back, I called, the the process is the same, someone needs to call me back, and the process keeps going on, I got tired and ask them to close the account and they can not close the account either, they say someone will call me, I said I can wait 5 minutes I will answer the phone, someone called me today X/XX/2017 and person from chase did not talk at all, so I hanged up. 
this is so frustrating, I do not owe any money to them I just want to close the account, tired of wasting time on calls and dealing with Chase associates.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX  Account # : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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
Product: Money transfer, virtual currency, or money service

I have a Coinbase and Coinbase XXXX account. I bought a new phone. Evidently, a new phone is not recognized by the site. I have been logged out of my account for 4 days now. I have tried to contact the company, but they don't have any live customer support. I have sent multiple emails. The response is tepid at best. I get form notes from some customer service, but none that solve my problem. It would seem you should not be able to operate a company that is dealing w so much $ without having the ability to answer questions and give customers access to their accounts
Product: Debt collection

On XXXX XX/XX/XXXX, I telephoned Columbia Debt Recovery LLC, which does business under the name Genesis, and lists as XXXX  XXXX in XXXX  XXXX, to resolve an issue pertaining to its claim of an outstanding debt for unpaid rent at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. I stated to the debt collector that the debt occurred as a direct result of identity theft and still appears tenant screening reports in addition to all credit reporting agencies. Columbia Debt Recovery has not only threatened formal litigation and but also continuously reports adverse credit information to all credit reporting agencies which has resulted in denial of housing, credit, and employment. The most recent information Columbia Debt Recovery LLC/Genesis supplied to a XXXX XXXX XXXX XXXXXXXX  between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX is after the statute of limitations for the debt collector to send to credit reporting agencies in violation of the Fair Credit Reporting Act and Fair Debt Collections Act.
Product: Money transfer, virtual currency, or money service

I was scammed through Zelle and no-one is able to help. 
I sold something on XXXX XXXX. The guy came to my house and made a Zelle payment. I made him wait until the payment when through. I checked the app, and it said the money was sent. I checked my bank account, and the money was in there. 
I woke up this morning and looked again at my online bank statement, and the payment had been removed from my account. On the statement, it read " Deposit Adjustment Shared Branch. '' I called the buyer and received no response. I called Zelle, and was told that they have no access to the payment information if it was done through my banking app, rather than the Zelle app. I called my bank and they said as it was done through the Zelle app, they couldn't help I need to contact Zelle. So both sides are refusing to help. I have always been under the impression that Zelle is the safest of the mobile payments, as the money is sent immediately and you can see it arrive in your account instantly. But obviously that didn't happen here.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all 3 of my credit reports XXXX XXXX reported the credit card was charged off XX/XX/XXXX however that is inaccurate information. The card was charged off fraudulently XX/XX/XXXX. The late fees were refunded because XXXX XXXX know they made a mistake and still forced me to pay for interest for a card that should have been closed XX/XX/XXXX. However They have reported the card charge off date as XX/XX/XXXX which is not true. It was charged off XX/XX/XXXX. 
Since XXXX XXXX had failed to correct inaccurate information on my credit report damaging my credit report I ask the info completely be removed. Also the card in question is involved in a class action law suit against XXXX XXXX. The information by law should be removed until the litigation is completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DSNB MACYS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate data has continuously been reported on my credit profile. Balance, payment and historical history is inaccurately being reported to my Transunion credit profile. Transunion has not investigated the accuracy of the reporting data. Therefore, Transunion is reporting false information.
Product: Debt collection

I reached out to CMRE Financial Services on XX/XX/2021 with a debt validation letter for XXXX derogatory marks the company has on my credit report history and they have failed to respond. They have not removed the derogatory marks from my credit report despite being unable to validate the debt.
Product: Debt collection

I am writing to file a complaint against Revenue Assurance Professionals for {$210.00}, {$68.00} and {$140.00}. I never received a dunning letter to give me a chance to dispute this information. I submitted a dispute to this agency in XX/XX/XXXX and never received a response. I want this inaccurate information removed from my all three credit bureaus XXXX XXXX XXXX XXXX immediately and a letter from the company confirming the deletion of this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX, has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604-A Section 2 also states a consumer reporting agency can not furnace an account without my written consent. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previous submitted a dispute to these companies in effort to resolve this matter. I have previous submitted a dispute asking this company for a investigation. I filed a police report, FTC REPORT and identity theft affidavit a obtain a lawyer and this matter is in litigation which this company is violating my rights by attaching this account to my file into the matter is resolved in court. This company said this account is not on my credit file I have proof from this company that I have attached the credit report directly from XXXX stream and XXXX. Please hold this company accountable for inserting a account on my credit file without accurate information and not following fair credit reporting act 605 when a investigation is in litigations. Thanks
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. 

XXXX XXXX {$240.00} XXXX XXXX XXXX  {$300.00} XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX BANK {$4700.00} XXXX  XXXX XXXX Acct XXXX XXXX XXXX Acct {$440.00} XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX {$3200.00} XXXX & XXXX XXXX {$290.00} XXXX XXXX {$2000.00} XXXX looked at my Experian credit report on XX/XX/year>, and noticed some things are incorrect or incomplete and not accurate at all. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Also, according to 15 USC 1681i ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed too not furnish any information relating to a consumer to reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting

I assume my score dropped because of XXXX ( XXXX ) supposed recently opened accounts. The XXXX account was transferred to another company. It was simply a transfer, NOT a new account. In fact, that info is noted at the end of the account listing! 
Secondly, the XXXX account, listed as opened XX/XX/XXXX, was not initiated by me. I made an appointment for an estimate on a counter top purchase/installation which I declined due to cost. I have never used this account, did not request an account, and am asking XXXX to remove it and stipulate that it is " my request. ''