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

My account had an outstanding balance of approximately {$370.00} ; XXXX payments from being paid off. This card was issued by XXXX XXXX, phone number ( XXXX ) XXXX via XXXX XXXX. My account was in good standing and closed once I made the final payment of {$370.00}. During this before I made the payment my bank account was compromised and I had to resolve that matter before I could pay my bill. During this time I notified XXXX XXXX of the situation and was instructed that my account would remain in good standing due to the extenuating circumstances. When my bank account compromise was resolved I made the payment in-full and thought all was well. Then I received a notification that my credit score had changed, so I'm excited because I just paid off this card thinking my score had increased. Much to my dismay, my score was negatively impacted due to negative reporting my XXXX XXXX. This was a total contradiction from what I was told was going to happen. I didn't work hard all my life just to have my credit ruined by some greedy corporate XXXX XXXX guy that has a silver spoon in his mouth from birth. I've served my nation and was taken aback by how XXXX XXXX treated me and I will never deal with XXXX XXXX!
Product: Credit card or prepaid card

In XXXXXXXX XXXX XXXX XXXXXXXX fraudulent charges showed up on my credit card. My balance was completely paid off before these charges, and no charges have been made since. I reported it immediately. I was told they would file a dispute. They stated they received proof from the vendor that the product was ordered and delivered. I did not order the product or approve of the charges. They sent me a copy that the product was ordered by a XXXX XXXX. My name appears no where on the order. I reached our to XXXX to do some of my own investigation and found out she did place an order through her XXXX XXXX  account, she did receive the product but doesn't understand nor do I, how my card was charged for the purchase. I have receipts from where she returned the product to the vendor, a shipping receipt from the XXXX that the package was delivered and received by the vendor, and an email conformation from the vendor that they received the product and would credit the account. My card was never credited. I have been going round and round about with XXXX XXXX XXXX since XXXX and they ruled against my dispute and sided with the vendor. The said the supervisor from the dispute department would contact me to no avail to get this resolved. I now have XXXX late payment against my credit report for money I do not owe. I believe there may be fraud that's taken place on the part of my credit card. Thank you, XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, 2023, I withdraw my funds from XXXX XXXX to Payactiv Bank via direct deposit. My ( payactiv bank ) account was frozen with the funds. The banking institution asks me for certain documents and proof of the money I sent from XXXX XXXX. I sent all the requested documents. and to date ( payactiv bank ) continues to ask me for documentation to return my funds {$4500.00}, they force me to speak with XXXX  XXXX  so that they contact ( payactiv bank ). I have sent them all kinds of documents and even they continue to doubt. All I want is to access my funds and withdraw them from ( payactiv bank ). I want my money, it's been more than 1 year and my money is still blocked in ( payactiv bank ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the inaccuracies on my credit report XX/XX/2022 and I am still having the same issues. This is hindering my opportunity of homeownership. I'd asked the credit bureaus to " investigate every piece of information '' on my accounts I have listed below. According to the FRCA the term " investigative consumer report '' means a 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. I have asked respectfully that Id be provided with proof of the disputed item specifically any contact note, court document, or any instrument having my signature. They have failed to do this as expected, according to the law, the items would be deleted within 30 days, but this has been ongoing since XX/XX/2022. The credit bureaus stated my account was verified but how is that possible if they did not do a proper investigation according to the law. This was the response after several dispute letters were sent and ignored. I recently accessed a new credit report and found the same and similar discrepancies which means every piece of information on these accounts are still not 100 % accurate according to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report still showing inaccuracies. 

XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX ( Please validate and correct ) XXXX : XXXX XXXX : XXXX Transunion : XXXX
Product: Debt collection

I sent a return receipt certified letter to this company and it was received on XXXX @ XXXX XXXX. I have not received any response and it has been 3+ months.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$11000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a checking account with First Bank in XXXX. In XXXX I made a transaction that First Bank paid which caused my account to become overdrawn. At the time, I was a struggling college student, and since this incident I have become extremely aware of how important it is to manage the balances of my accounts responsibly. First Bank decided to close my account before I was able to deposit the funds which would have covered the transaction. Years later, I am preparing to purchase my first home, and I find something on my credit report from First Bank from XXXX. I have shredded all paperwork associated with First Bank since they left me 'high and dry ' with no place to hold my student loan funds etc. and am now very happy with XXXX XXXX. I have no record or memory of opening a " line of credit '' with them at any point during this period or during my lifetime. I wrote to First Bank several times and they only replied with " nothing we can do. '' I finally spoke to XXXX over there, and she let me know that in fact, I would not have any documentation for this account because I never opened this account and that they simply did this to skirt the XXXX XXXX process ( and essentially give me a harsher and longer punishment ). XXXX is going to try and help me by talking to her boss ( she was very helpful and understanding ), although when I explained how unethical this sounds all she said was, " I know, I have no words ... '' This behavior should not be tolerated by banks - I feel like this could be considered identity theft since First Bank opened the " line of credit '' account without my knowledge AND without providing any information about it to me even after they did. I have spent HOURS trying to get a straight answer from representatives over there because not only is the account closed, and extremely old, but also ILLEGITIMATE. I'm not sure if XXXX will be able to help me by removing the adverse account status from my credit report as she is also the one who sent me the " sorry not sorry '' letters, but either way I feel like this behavior should be something that is brought to the attention of the CFPB and I really hope that it is investigated further. I know that the CFPB would like supporting documents but unfortunately I do not have any - and I doubt First Bank does either since this account shouldn't exist - and it was 8 years ago I've shredded anything associated with it since I confirmed since then that were no adverse accounts on XXXX XXXX ( I didn't know to check credit bureaus since I didn't know I had this 'line of credit ' ).
Product: Credit card or prepaid card

XXXX charged an application fee but I was not admitted due to an error on an XXXX Enrollment Specialist making an error. I had to wait until the following semester to start school so I disputed this charge until or unless XXXX refunded me for the application fee. They took awhile so I filed a dispute with Capital One. Then a few days later XXXX settled the issue and paid me back in full. Now Capital One is refusing to release the provisional funds back to card until the Merchant responds to some letter. The merchant has responded. They paid me back. I need this case closed and the dispute cancelled. I'm being held up for admittance for the next semester now due to this. This dispute is over. XXXX fulfilled their duties. Cancel the dispute immediately.
Product: Student loan

Over the past 10 years, I have consolidated my loans under an applicable IBR plan, and have been making on-time payments on those loans according to PSLF requirements through, most recently, XX/XX/XXXX. I applied for PSLF last year for my two direct loans, however, only one of my direct loans was forgiven. When I asked XX/XX/XXXXabout the other loan, they said I didn't need to take any action and that loan would be evaluated for PSLF. However, that did not happen, and XX/XX/XXXX is now requiring payment on my remaining loan. I reapplied for PSLF using the PSLF Help Tool and have been seeing that my PSLF form has been in process. When I call, I'm told it's nearing final review and I should have an answer around XX/XX/XXXX. 

When I applied, I requested that my loan payments be paused while my PSLF form is reviewed. Despite this, XX/XX/XXXXwill not pause my loan payments while my PSLF form is reviewed, but rather states they can only do so under the direction of studentaid.gov. I have been passed back and forth between studenaid.gov and XX/XX/XXXXwith no resolution or recourse, and only finger-pointing from each entity about who is responsible. Needless to say this is extremely frustrating. I will continue to make payments to XX/XX/XXXX because I don't want to be penalized, but am very skeptical that any overpayments will truly be refunded to me ( as they say they will ). I made at least 2 overpayments on the direct loan that actually was forgiven, but I have received no refund on this overpayment, nor any communication about the process and when I should expect to receive that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed Equifax and XXXX   disputes regarding a XXXX XXXX account that was reporting inaccurately on my files. I disputed the payment history and date of first delinquency because Equifax showed I first became 30 days late in XX/XX/XXXX, but XXXX  showed I first became 30 days late in XX/XX/XXXX. Equifax also showed the date of first delinquency as XX/XX/XXXX, which contradicted the payment history. How could the same late payment occur during 2 separate months of the year? On XX/XX/XXXX, Equifax responded to my dispute saying XXXX XXXX verified that the information I disputed was accurate. The date of first delinquency was listed as XX/XX/XXXX in their response and the payment history was missing entirely. The account was not compliant with the FCRA before my dispute and it is also non-compliant after my dispute. Equifax did not fix the error and the account is now entirely incomplete. If Equifax actually investigated the account, the errors and omissions would not remain. To further demonstrate this information, I also received a response from XXXX on XX/XX/XXXX. In their response to my dispute, they said XXXX XXXX verified to them that the date the account first became late was XXXX of XXXX. How can XXXX verify two different dates as accurate for the same late payment? How can this same late payment be reported as occurring in XX/XX/XXXX on Equifax and XX/XX/XXXX on XXXX? After my disputes, both bureaus claim they did their own investigation and that XXXX XXXX has verified to them that the information is accurate, but the inaccuracies still remain on both credit reports.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$340.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$2200.00} XXXX XXXX XXXXXXXX Balance {$3000.00} XXXX XXXX XXXX  XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$1600.00XXXX XXXX XXXX XXXX Balance XXXX {$870.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX. XXXX, 2021 {$340.00} XXXXXXXX XXXX  I Reported : XXXX XXXX, 2021 {$410.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  actions constitute a serious violation of both the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. According to the FCRA, specifically 15 U.S.C. 1681b and 1681g, any entity reporting information to credit bureaus must have a permissible purpose and provide proper notice of the debt to the consumer. Furthermore, under 15 U.S.C. 1681i, they are required to provide validation of the debt upon request. 

Since XXXX XXXX XXXX began reporting negative information on XX/XX/year>, without my consent or knowledge, and has failed to provide the required written notice or validation of the debt, they have violated these regulations. Their actions have led to significant financial hardship and have imposed undue XXXX XXXX XXXX XXXX on me. Their failure to adhere to the FCRA and CFPB guidelines is both unlawful and detrimental.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a bill from a collection agency for something I'd never seen or used. 
A credit card denial from a Synchrony Bank that I never applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus XXXX XXXX, Equifax, and XXXX ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX, Inquiry Date XX/XX/20 XXXX, Inquiry Date XX/XX/20 XXXX, Inquiry Date XX/XX/20 XXXX, Inquiry Date XX/XX/20 XXXX XXXX XXXXnquiry Date XX/XX/2XXXX XXXX  Inquiry Date XX/XX/20, 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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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

XXXX-2020 - I had noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, and Equifax. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies not even yet man. Signature and Attached legible SSc and id as well This insane it has ben over 34 days!!!!
Product: Payday loan, title loan, or personal loan

To whom it may concern, I first sent my complaint about my Citibank loan that I had paid off to The Federal Deposit Insurance Corporation ( FDIC ). They reviewed my correspondence and noted that the bank I referenced is under the direct supervision of Consumer Financial Protection Bureau. They forwarded my copy to you. Below is what I had sent them, also. 

On XX/XX/2022, I received a personal installment loan of {$10000.00} from Citibank. On XX/XX/2022, I made my final payment of {$4000.00} on my Citibank app to pay off my personal installment loan. The loan then disappeared off my citi app because I was told by the representative that it disappears when the account is XXXX balance and paid off. I cant even access my account any more online. 

Then, I received a letter in the mail saying that my account is past due and thats when I called citibank to find out what was going on because I knew I had paid it off immediately in XXXX. Citibank said they did a payoff reversal on my amount but they dont know why and send it back to my XXXX XXXXXXXX XXXX XXXX a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX as I was told. 

Citibank told me to check with my credit union to see if they have a hold on my payment someplace. Upon calling my credit union they had told me that they do not and it doesnt show any credit reflected on my account of that payment being sent back to me so Citibank doesnt know where that money went and my credit union said theres evidence showing the transaction of {$4000.00} being withdrawn from my account to Citibank on my loan, so it was processed on that day of XX/XX/2022. 

When I called Citibank numerous times, I spoke to different customer service representatives and they were sending me to collections saying that I was behind on my monthly payment when I explained to them what had happened that I made that payment of {$4000.00} to pay off my personal installment loan and that my balance should be {$0.00}. 

I told Citibank that I have the transaction details from my credit union showing that that payment was sent to them and they responded by saying contact my credit union to see if they have the money someplace there and I did and they said no we do not and we have proof that you made that payment to Citibank. 

So Citibank continues to tell me that they did not receive the payment and they are demanding that I sent {$4000.00} when I already sent that payment to pay off my loan on XX/XX/2022. 

They have recordings of our conversations and I was very upset, because I told them that my credit score is very good and that Im not late on my payments due to being very responsible. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX