23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I contacted Equifax on XX/XX/XXXX, to ask why my credit report was not showing my creditors, ( XXXX & XXXX XXXX ). I was told to reach out to the creditors, and I did. XXXX did an investigation in XX/XX/XXXX, about reporting to Equifax. XXXX XXXX also did an investigation in XX/XX/XXXX, that shows that they are reporting to Equifax as well. Since XX/XX/XXXX, I have received a letter from XXXX & XXXX XXXX both stating that my credit file has been verified and confirmed that it is being reported to Equifax. 
From XX/XX/XXXX - XX/XX/XXXX, I have communicated with my creditors, XXXX & XXXX XXXX, and Equifax trying to get a resolution to this issue. 

Two months, later I was told on XX/XX/XXXX, by an Equifax agent that my credit file was blocked, and I needed to verify my identity. I was transferred to an Equifax supervisor on same call, on XX/XX/XXXX and was told that I didn't have an identity block and disregard that information the agent told me. 

I called Equifax back on XX/XX/XXXX and was transferred to a supervisor who told me that there was nothing they can do because my information was verified and correct and she didn't know what to tell me but to wait a couple of weeks and see if the accounts show on my Equifax report or I could reach out to the creditor again and tell them to call Equifax ( XXXX ) to confirm my information or account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 I have sent XXXX multiple disputes questioning the certifiable compliance of an account on my Credit report called Consumer Adj, Account # XXXX and XXXX. Both of the original accounts were deleted and then added with all of the same information except the date opened. I continued to dispute sending another compliance dispute letter on XX/XX/2022. I just reviewed my credit report and both accounts have been added yet again with a open date of XX/XX/2022. So now I have the original two Consumer Adj accounts deleted, and two duplicates of each account reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a 30 day comply letter to the credit bureaus to correct the errors from my identity theft case and they kept fraudulent acounts on my credit report. they had 30 days to investigate and correct all errors and they did not meet the deadline. I sent the 30 day comply letter out on XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, i tried to transfer money from my citibank XXXX XXXX to credit card ending by XXXX Via mobile app in the amount of {$1600.00}. 
On the first 2 attemps, it poped up with server technical error msg, payment did not go through. I tried another time, finally the transfer went through with confirmation #. However, later i found out the payments went tripled from my XXXX. Since the quite big thousands dollars, i asked to reverse 2 additional payments. Reverse not take out cash. However, it turned out that customer rep on message tool said i need to call in order to make a request. 
The purpose of designing Message tool is to reduce customer waiting time with call center. But it turns out not as convenient as it should be .... on XX/XX/XXXX around XXXX, Rep said they canot trace the the source of payment to XXXX  from my XXXX  by ( XXXX XXXX. Next, XXXX said she canot refund even though asking with supervisor .... being a Credit card great user for ober 15 years, This is so ridiculous to be told that i need to call in order to get immediate refunds what was caused due to your citibank app server connectivity since i only got one confirmation #.. 

It took me 30 mins on the line to be connected for live Rep. But she firstly said she only can send me a check. Am i gon na be the one victim of many suffering from your citibank technical issue? I only asked the extra payments which were transferred from your citibank checking account, not even any outside bank account nor any uncleared, potentially bounced check payment. You citibank treat customer 's bloody money as " XXXX '' ... that is thousands dollars not houndres XXXX. I need money for medical bills and foods. 
I am extremely disappointed about client experience and citibank policy and procedures violates FED fairness to all customers. I think citibank should no longer offer any credit product to any customer.
Product: Credit reporting 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 : //www.ftc.gov 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 reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am urgently requesting the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit and I expect immediate corrective action.

Re : Urgent Request Fraudulent information and inquiries Block under Section 605B of the FCRA To whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries in my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my rights to have fraudulent information blocked and permanently removed from my credit report within ( 4 ) business days from the date of receipt of this letter. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 

I also demand the removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 

I expect written confirmation by XX/XX/XXXX, confirming that the fraudulent accounts and any related unauthorized inquiries have been fully removed from my credit report.This is a time-sensitive matter and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 

Thank you for your immediate attention to this issue. 
Sincerely, XXXX XXXX
Product: Credit card

Im filing this report against Synchrony Bank. They just recently closed my TJ Max account. This action was performed without my knowledge. The only notification that I received was from my credit reporting agency. Again, this action caused my credit score to go down XXXX points. I had a XXXX balance on this account. As of this date, XX/XX/year>, they caused my score to go down by XXXX points. I can get any loans or credit cards because of this credit management company :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX DATE OF BIRTH : XX/XX/1984 DRIVERS LICENSE : XXXX To whom it may concern : I recently ONLY filed an an inquiry with, XXXX XXXX XXXX XXXX. 

Immediately they ran my credit without consulting me. 

This is unacceptable. 

I have corresponded with several loan specialists and it is to my understanding that until a negotiated loan amount has been accepted by both parties then a hard credit pull can be made. 

I would like this item, the credit check, from XXXX removed from my credit report. 

Please contact me at your earlier convenience. 



XXXX XXXX XXXX III EMAIL : XXXX CELL : ( XXXX ) XXXX
Product: Debt collection

Settled Student loan in XX/XX/XXXX-XX/XX/XXXX. Recently received notice that XXXX was going to garnish my wages which started on XX/XX/XXXX. 
Called XXXX to explain that the debt was paid. They said they have notes in their system about a settlement but do n't show proof. Tried to file a hearing to review but they said I need proof of settlement. I kept proof of settlement for 10 years at which time I moved and discarded many old documents that I thought I no longer needed so I do n't have the proof I need to get a hearing. 
This dept. came off my credit report in XX/XX/XXXX or XX/XX/XXXX and I have excellent credit and have n't had this issue cause me any problems since the time I settled the debt. 
I believe that a collection agency has " resurrected '' an old debt. that was, long ago ( 20years ) paid.
I have read stories of other student loan borrowers who have had this same thing happen and I am not sure how to make this go away since I can no longer produce my copy of the paid debt.
Product: Debt collection

I am writing to formally request the removal of an inaccurately reported charged-off account with XXXX XXXX  XXXX XXXX from my credit report. The account in question is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. As income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as XXXX XXXX XXXX XXXX, must not report information that they know or have reasonable cause to believe is inaccurate. Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account. Due to these inaccuracies, I request that this charged-off account be promptly removed from my credit report. This adjustment will ensure the accuracy of my credit report and compliance with the applicable laws.
Product: Checking or savings account

On XX/XX/year> I XXXX XXXX contacted PNC bank regarding my checking account being overdraft due to unauthorized charges. I was told that I would receive a provisional credit and will be notified once the investigation was over and if charges were going to be reversed I will be notified of a date prior to. I never received anything from the financial institution but on XX/XX/year> one of the many credits for XXXX was reversed. According to 15 usc 1693f ( 3 ) the financial institution has 10 days to investigate and get back to me yet I havent heard anything and its XX/XX/year>.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX! 

Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Accounts and Inquiries Reference Numbers : FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam, I, XXXX XXXX, hereby state that the information provided in this letter is accurate to the best of my knowledge. Several accounts and inquiries are being reported on my credit report that I have no knowledge of and believe to be fraudulent. 

As a result, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) under the reference numbers provided above. I kindly request that you review the following details and take the appropriate action to remove these accounts and inquiries from my credit report. 


-- - Accounts to Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- - Additional Requests : Please remove the block on my online account access. 



-- - Thank you for your prompt attention to this matter. Please provide confirmation of the actions taken to resolve this issue. I can be reached at the address provided above should you require any further documentation or clarification. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian, Equifax and TransUnion are reporting inaccurate information on my credit report XXXX XXXX XXXX : ( account number XXXX CLOSED XX/XX/XXXX ) in the amount of {$1000.00} and still reporting as of XX/XX/XXXX as active ( but it states as profit and loss write off ( THIS ACCOUNT IS REPORTING TWICE ( XXXX ) ON MY CREDIT REPORT ) Wings Financial Services : ( account number XXXX CLOSED XX/XX/XXXX ) in the amount of {$6700.00} and still reporting as of XX/XX/XXXX as active ( but it states as profit and loss write off XXXX XXXX XXXX : ( account number XXXX XX/XX/XXXX ) IN THE AMOUNT OF {$17000.00} and still reporting as of XX/XX/XXXX active ( but it states as profit and loss write off Reporting inaccurate information to my credit report is in violation of 15USC 1681E ( B ). There was a 1099-C form issued, and this now considered taxable income.
Product: Debt collection

XX/XX/XXXX18, XXXX XXXX XXXX XXXX contacted my spouse gave him specific details on my account, such as lack of payment, non payment dates, threats to shut his card off, My spouse is not on any of my accounts nor am I on his. When i spoke to rep she continued to talk over me even after i informed her of bankruptcy. calls. Would come form restricted numbers several times daily.
Product: Vehicle loan or lease

This company 's employees are extremely rude and disrespectful and do n't even offer grace periods or deferments after Hurricane Irma I recently took my car loan out with this company. Since then, about almost 2 weeks, we experienced Hurrican Irma and public schools and most businesses were closed due to electrical issues which took the electric company almost until a couple days ago to have the whole county at 100 % again. Due to the closings, I was forced to pay a lot of money for additional childcare costs, food expenses and I lost some days of work which I was not paid for. I called on today 's date at about XXXX because I was a little worried that I would not be unable to pay my next car payment on full and on time. When I called I was greeted by a XXXX who presented herself as a " recovery manager ''. I explained my situation and my concern and the first question she could ask me was that if I could maybe manage to " play '' around with my other bills, ask for extensions. I was shocked. She then explained to me that my loan was not a conventional loan, my loan had no such things as a grace period or deferment options. After expressing my shock not only of the inconsideration on their behalf even with the natural disaster but also with her tone of ridicule she stated that maybe I need to refinance with another company. She even stated I maybe needed to apply for XXXX assistance and unemployment to help pay my car note. I was already flabbergasted enough let alone not ready for the next thing to come out of her mouth which was " you see a regular loan has better customer service ''. I am appalled and disgusted with this company and the cold halfheartedness of their employees. This company preys on individuals who have low credit scores and their practices should be monitored and controlled. Their employees require much better training and coaching. I called back the company to get the " managers '' name I spoke with earlier all she can tell me was XXXX and stated " Report me i do n't care, the answer remains the same you need to make your payment. ''
Product: Credit card or prepaid card

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2013 with an amount of {$12000.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPT OF ED, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, DEPT OF ED, XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX
Product: Checking or savings account

I signed up for a credit builder account with Self and decided that I didnt want the service anymore. They have no clear option to close the account so I reached out to customer service requesting that they close the account before my first payment was due. Instead of closing the account, they asked me why I wanted to close the account. And then they stopped responding to my emails. There is no other way to contact them. This is predatory behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing concerning inaccurate negative reporting on my credit reports from XXXX XXXX. As of, XX/XX/XXXX, my Transunion and XXXX reports reflected that I had a 30 day late payment in XX/XX/XXXX. This is inaccurate reporting, as I was not 30 days late according to my payment schedule. In XX/XX/XXXX, I successfully rescheduled my repayment dates in the XXXX  APP to the following : XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} I paid off this loan on XX/XX/XXXX, by paying my remaining balance for XX/XX/XXXX and XX/XX/XXXX, for a total payment of {$350.00}. I was never 30 days late on this loan or any other loan I have had with XXXX XXXX. I have email confirmations of my payment schedule and payoff dates from XXXX XXXX  to confirm. I have attempted to dispute this inaccurate infomation with XXXX and Transunion, and I have contacted XXXX XXXX via email to resolve this issue. XXXX XXXX refuses to remove the inaccurate reporting from my credit reports. As of XX/XX/XXXX, XXXX has updated my credit report to reflect the correct infomation, ( account paid satisfactory ), as a result of my dispute. I was never late on this loan, and my XXXX report now reflects this. Transunion needs to hold XXXX accountable for not honoring their agreement to reschedule my payments just as XXXX held them accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

one inaccurate bankruptcy chapter XXXX  is reporting under my XXXX credit file. which does not belong to me i had never filed any, i dont know whos information these are that are reporting under my name, i have tried to dispute them but they have not been helpful. please have this inaccurate information removed from my equifax and XXXX credit file thank you
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX 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 XXXX XXXXXX/XX/XXXX