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

Public Record from a Chapter XXXX Bankruptcy. 

On XX/XX/2021 I placed a request for suppression of my file with Lexis Nexis due to the inaccurate and derogatory item on my consumer report. On XX/XX/XXXX. 2021 I sent a letter out to XXXX, XXXX and XXXX notifying them that " I do not recognize this public record ''. 

At or around XX/XX/2021, I received a response via a credit report mailed to me, that the public record was verified by the US Bankruptcy Court. Frustratingly, I've contacted the court and they advised they do not report to the credit bureaus nor have they verified anything. 

On XX/XX/2021 I sent a letter to the three Credit Bureaus with an attached response from the U.S bankruptcy Court, advising " It is clear the court do not report to you or to any credit bureau for that matter, nor is a debtor 's full social security number reported ; therefore your original response verifying this item with the court was either an error or deceitful. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

XXXX removed this inaccurate reporting immediately, however, XXXX and XXXX  did not based on their deceitful actions. 

On XX/XX/2021 I also sent a certified letter to Lexis Nexis that they received on XX/XX/2021 bringing to their attention of their erroneous, inaccurate data and request that they provide verifiable documentary proof, in additional to removal of this negative item. To date I have not received any correspondence, proof or removal of this file!
Product: Credit reporting or other personal consumer reports

i have filed this FTC Identity Theft Affidavitand now with you at the cfpb to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : XXXX. A personal credit card account opened at XXXX XXXXXX/XX/XXXX 
XXXX. A personal credit card account opened at XXXX XXXX. 
XXXX. A personal credit card account opened at XXXX XXXX XXXX. 
XXXX. Another personal credit card account opened at XXXX XXXX XXXX. 
XXXX. A personal loan account opened at XXXX XXXX XXXX XXXX XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.
Product: Checking or savings account

I have a checking account with Credit Karma, they were running a promotion, stating that if you apply for a card or loan, with the XXXX XXXX  next to it, and you are NOT approved, you will get {$50.00}, which will be deposited into your spend account ( checking account ) within 60 days of being declined I had to fight with them after being declined for a card with the Badge, I had taken snap shots of the deal, they were trying to say I had to provide other information however the info I had says otherwise, it is now 60 days, and they say they will send me an XXXX gift card in the next 30 days. THAT IS NOT THE DEAL. I WANT THE {$50.00} PUT INTO MY SPEND ACCOUNT, WHICH, PER YOUR INSTRUCTIONS IS IN GOOD STANDING AND OPEN, I DO NOT WISH TO WAIT ANOTHER 30 DAYS THIS IS FRAUD AND MISLEADING CONSUMERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : What is this complaint about? 

XXXX XXXX has sent inaccurate tradeline information to XXXX about my credit card four times in XX/XX/XXXX.

I want the inaccurate tradeline information removed, and have contacted customer service at CITIBANK CBNA and XXXX to alert them that the information is inaccurate, and I want it removed.

Step 2 : What type of problem are you having? 

My credit report is continuously monitored by the XXXX XXXX  service by XXXX. I have received four emails in XX/XX/XXXX notifying me about changes to my credit report, made by XXXX XXXX. The changes to my tradeline that have been reported to me are inaccurate.

Step 3 : What happened? 

On XX/XX/2018 and XX/XX/2018, XXXX XXXX reported to XXXX that my account had been Affected by natural or declared disaster. 
This is wrong. I have not been affected by natural or declared disasters, and I did not make any such report, ever. I know of no natural or declared disasters in my surrounding area. 
On XX/XX/2018 and XX/XX/2018, XXXX XXXX reported to XXXX that Consumer disputes after resolution. 
This is wrong. I did not make any consumer dispute on my XXXX XXXX account in XX/XX/XXXX or XX/XX/2018 at all. I paid my accounts on time in each case, without making any kind of dispute. 

Step 4 : What company is this complaint about?

This complaint is about XXXX XXXX customer service and XXXX  XXXX XXXX Customer Care. 
I contacted the XXXX XXXX Customer Care Team at XXXX on XX/XX/2018 to report the inaccurate tradeline update made to my credit report by XXXX XXXX. XXXX    TrustedID Premier Customer Care Team told me there was nothing they could do, and I should call XXXX   XXXX. 
I called XXXX  XXXX  customer service ( XXXX ) on XX/XX/2018, and described the problem to them. They said they would clear up the inaccurate information and remove it from my credit report. 
On XX/XX/2018 I received a letter from XXXX XXXX saying they corrected the issue. However, they did not. The inaccurate information has remained on my credit report, and they have added more incorrect information each month of XX/XX/XXXX. 
In addition, the correction CITIBANK CBNA claimed to have put in place was in itself inaccurate. They said my account was no longer in dispute. That was not trueit was never in dispute in the first place. 
When I received information about more inaccurate updated tradeline reports being made to my credit report by CITIBANK CBNA, I called their customer service line again on XX/XX/2018 to complain about the inaccurate information they keep reporting to XXXX. 
Once again, CITIBANK CBNA did nothing to correct the situation. 

Step 5 : Who are the people involved? 

The people involved are myself and the customer service representatives at CITIBANK CBNA and XXXX XXXX XXXX Customer Care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2023 I was emailed by XXXX bank regarding an open account that I did not apply for. Contacted back to report fraud and identity theft. Bank closed card but directed to experion to report. Contacted experion and informed of the situation was then directed to file a report.
Product: Checking or savings account

My account constantly gets hit with overdraft fees and accumulate several overdraft charges even when money has not been spent. Ive been refunded a few times but no true explanation on why if keeps happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt has been settled and paid off in full and wish the amount owed on your report is not correct.
Product: Credit reporting

Experian has listed Telephone Numbers listed on my credit report that I have no knowledge of in my past, I demand that XXXX, XXXX, XXXX be immediately removed from my credit report.
Product: Debt collection

NorthWest Financial Services or XXXX XXXX now has my debt from XXXX XXXX XXXX. I am unaware if those debts have been charged to my insurance. Along with that I was making payments to XXXX at the time they turned me into NorthWest ... I have asked for a payoff amount ( discounted ) Northwest is unwilling to work with me and has threatened to charge me very large amounts of interest until I pay it off. I am willing to pay but not being threatened to be charged tons of interest when I barely have the money to pay it off in the first place. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My mom died in 2004. My so called Sister in law pays me in a check for what? I do not know! The bank placed a hold on it. I need to get a copy of that check and determine what I was actually given from bank. I think XXXX XXXX write a check from her old XXXX account and burned me for the rest. She really XXXX XXXX the estate of my late parents. I am going to call bank and go down there to get copies. It still haunts me. I feel I got XXXX XXXX of Life Estate transaction after death occurred. I should have got a POD
Product: Checking or savings account

my money is not being used by me its being stolen by the bank and the bank cant tell me where my money is going on
Product: Debt collection

I have requested the debt collector to provide the information so that I can qualify of this debt is valid or invalid. They did not answer my original request and continue reporting on my credit report.
Product: Vehicle loan or lease

We purchased this vehicle on XX/XX/XXXX. In XXXX of XXXX my husbands job moved us to XXXX At that time, with no communication as to why, our payment went up {$110.00}, from {$1700.00} per month to {$1800.00} per month. We called and were advised that XXXX had a lease tax. On XX/XX/XXXX my husbands job moved us to XXXX We sold our home in XXXX and bought a home in XXXX. We changed our addresses on file with US Bank. We registered our vehicles, including this one, immediately in XXXX. We called US Bank in XXXX and asked when the XXXX tax of {$110.00} would be removed. They said it would come off and we just needed to wait. I called again XX/XX/XXXX to inquire when they would be removing this amount. It took an hour to reach someone and I was told that after speaking to a " credit specialist '' we had to call XXXX XXXX XXXX Tax assessors office and tell them to stop billing US Bank the XXXX Tax Amount. I asked how I was supposed to do that? I lived in XXXX and I know the tax assessors office is not reachable by phone and I am XXXX hours by car. They proceeded to hang up on me. I immediately tried to call back. I headed another " banker '' XXXX and told her what happened. I told her I was officially disputing the XXXX  tax amount. I just can't with them any longer. They are doing something similar on another account which I will be filing a separate complaint for. My husband and I are rule followers. We pay ALL of our bills on time always. This account is current. As of now they have collected XXXX months of this extra tax that they should not be collecting. We are asking for assistance as this company is absolutely refusing to help us in any way with any account we have with them. I am attaching the original contract. The last statement with the original payment amount, XX/XX/XXXX. The XXXX statement with the additional tax amount XX/XX/XXXX and who I talked to when I received it. And our most current statement from XX/XX/XXXX which has been paid.
Product: Credit reporting or other personal consumer reports

I had a background check ran for employment at XXXX by first advantage, but was denied employment due to the results of the background check. After further review of this information, I noticed that it is reporting assault-causing bodily injuries but I was never convicted of that charge. I was put on 2 years deferred adjudicated probation and successfully completed the probation. My research indicates that after successfully completing deferred adjudicated probation that the charge will still pull up on a background check, but it will not say that I was convicted. However, the background check reports a conviction. I tried to contact them to dispute this information but have not got no response from them. 

I'm also noticing a address of XXXX XXXX XXXX, XXXX, Texas. I have never lived at this address. I'm hoping you can help me out. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX wont see it my way just do everything they want in the first place how can you say my payments were lare they were made as always and you guys accepted them instead of returning them to XXXX  which would of gave me idea payments were messed up but you guys kept accepting payment from me instead of sending them back wgich would of gave me a inkling to problem that was happening you accepted monthly payment every month instead of saying no not enough. i made my payment like clockwork till i got a letter in may which made me up money which i thought was overdue taxes XXXX  make amount you wanted for may.the exces amount was not due till XX/XX/XXXX which means you got what you wanted payed to you guys ahead of time.the amount that was past due was on account which i pay ahead of time and you got mothly amount due payed ahead of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX  has violated my rights.The address information is inaccurate and needs to be deleted from my credit report. 
XXXX XXXX XXXX account # XXXX has also violated my rights. The late payments for XXXX and XX/XX/XXXX are inaccurate and needs to be deleted from my credit report. The account open dates are all different and last reporting dates on credit reports also. 
XXXX XXXXXXXX account # XXXX has violated my rights. The late payments XX/XX/XXXX and XX/XX/XXXX are inaccurate and needs to be deleted from my credit report. Last reporting dates are all different on credit reports. 
The following inquiries need to be deleted off my credit report also. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following addresses need to be deleted from credit report also XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX 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 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX accounts ranging dates from XX/XX/XXXX through XX/XX/XXXX have violated my rights. 
- 15 USC 1681 Section 602 states I have the right to privacy.

- 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; - 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason for disputes : There are 3 past due remarks on all 3 of the major credit bureaus. 
Date of remarks : XX/XX/2019 - XX/XX/2019 - XX/XX/2019 XXXX  has reported my account XXXX days late on all 3 major credit bureaus on the above dates. 

XX/XX/2019 payment made through my XXXX Bank account. Funds were denied because XXXX attempted to make 3 withdraws simultaneously without my authorization and the bank denied direct withdraws. Payment attempted again and made. 

XX/XX/2019 and XX/XX/2019 payments made through my XXXXXXXX XXXX Account were delayed due to a banking error ( see attached letters ) and subsequently with follow-up contact with XXXX  I was told that I would not be charged late fees NOR would XXXX report the activity to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a crdeit card that was open under my name which was fraudelent.

i reached out to the credit card company in which they are affiliate with two other companies. They did an investigation and sent me a letter stating that the account was fraudelent. but the biggest problem i have now is that a hard inquiry is on my credit report.

ive been fighting with them to resolve this issue but it seems that Transunion and the credit card company keep blaming each other of the error.

the other two credit bureaus delete the item off my report. But Trans union refuse because of the letter i received from the credit card has a different name from the inquiry that is post on my account.

Neither of them is taking blame for this error.

i also wrote you as well about this incident and you forward it to the FDIC in which its not their field. i have a problem with the credit bureau ( TRANS UNION ), not the bank credit card name : XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX
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 XXXXXXXX Account Number : XXXXXXXX  Account Name : XXXX Account Number : XXXXXXXX  has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and my personal information was leaked and effected by the data breach that took place in 2017. I wrote a complaint prior but I was emailed that the companies could not find me in there system. I have been experiencing extreme hardships with these fraudulent accounts on my credit report for some years now. I have tried to dispute the issue with the three bureaus but it has been nothing resolved. I've been directed to you guys in hopes to getting these accounts finally removed and end this long and tiredsome process. Thank You.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit reports and noticed that erroneous accounts that need to be immediately DELETED. 

ERRONEOUS ACCOUNTS : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I am a federally protected consumer, and I am well aware of my RIGHT TO PRIVACY outlined within 15 USC 1681 and more specifically 15 USC 1681A ( 4 ) . These accounts are related to transactions and experiences that falls under the EXCLUSION section of the FCRAs definitions, rules of construction section under 15 USC 1681a ( 2 ) ( a ) ( i ). It was ALSO REPORTED WITHOUT MY WRITTEN CONSENT and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and these accounts SHALL be Corrected. These accounts are NOT related to any transactions authorized by me, the consumer as I DID NOT give written instructions to your agency to report this, which is a clear violation of the PERMISSABLE PURPOSE section of the FCRA, which holds these agencies liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance outlined within 15 USC 1681n. Please DELETE these items from my consumer report! 
15 USC 1681b-2 THE LAW CLEARY STATES : ( 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 clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.
Product: Credit reporting or other personal consumer reports

I noticed XXXX XXXX XXXX is being reported in a false and negative way on my consumer report. The report contains multiple violations. Please update the XXXX XXXX XXXX reporting to just " updated, paid as agreed ''. I don't need 15 USC 1681 - exclusions being violated considering my transaction history and experience with XXXX XXXX XXXX is being shown on my report. I don't owe XXXX nor has never been late with the company. Please update appropriately according to the law.