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

There are two HARD INQUIRIES by XXXX  on my EXPERIAN credit report that were not authorized ; I did not apply for credit with XXXX. Furthermore, the inquiries are two months apart. These should be removed from my credit report, as they negatively affect my credit score.

The INQUIRIES from XXXX  hit on : XX/XX/XXXX and XX/XX/XXXX
Product: Credit card

Regarding Citi HHonors Reserve credit card account : Received letter dated XXXX XXXX 2015 from Citi, stating that Citi had failed to notify cardholders one month in advance of billing for annual membership fee ( as presumably Citi is required to do ). Letter said that refund for fee could be obtained by calling number given in letter, *but that calling to obtain refund would result in Citi closing the account. * Called number, rep did n't know anything about it, said supervisor would call back, never happened. 
Evidently Citi erred by failing to send the required one month 's notice of annual fee ; is required to offer a refund because of that failure ; but is penalizing those who seek a refund by closing their accounts. **The consequence of closing the account amounts to a threat intended to dissuade cardholders who are legally entitled to a refund from seeking that refund. **
Product: Credit reporting, credit repair services, or other personal consumer reports

Please do add a fraud alert on my credit report. This is hurting me finding housing and purchasing a car. 

Things I asked you to delete you refused to acknowledge or delete. 

I did not request you add this alert.
Product: Debt collection

Nair and Levin lied to the court when providing a debt validation letter to the courts and not the party they alleged owes the debt. Nair and Levin have failed to provide a validation of debt letter for a new amount of debt claimed. I am disputing the debt and request an official debt verification be mailed by Nair and Levin.
Product: Credit card

I received letters from XXXX  XXXX XXXX. Citizens. XXXX. XXXX XXXX and XXXX nexis that a credit application was denied. I did not apply for any cards. They all were on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 that are reported 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 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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

Hey, you are still the one who is reporting incomplete and inaccurate information on my credit. It's impossible that you don't know to report accurately. I need you to remove this from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance on my auto loan with XXXX XXXX is {$9600.00} and Transunion is stating the balance is {$11000.00}, it's not and I want them to correct my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/2022 To Whom It May Concern : I looked over my credit report and found some addresses that appear incorrect. I've enclosed documentation providing proof of my current address, as instructed on your website. To make your process of deletion easier, here is a list of incorrect addresses that I am currently seeing listed ( which I would like to be removed please ) : ( Previous/Incorrect Addresses ) 1. XXXX XXXX XXXX XXXX, XXXX, VA XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX 3. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX 4. XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX 5. XXXX XXXX XXXX XXXX XXXX, NY XXXX 6. XXXX XXXX XXXX XXXX, VA XXXX 7. XXXX XXXX XXXX XXXX, VA XXXX 8. XXXX XXXX XXXX XXXX XXXX, WA XXXX 9. XXXX XXXX XXXX XXXX XXXX, Va There should only be one address listed on my credit report, which is XXXX XXXX XXXX XXXX XXXX. 

Please remove inaccurate employers as well as listed below : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX XXXX 6. XXXX XXXX Please remove inaccurate phone numbers as well as listed below : 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX Please remove inaccurate names : XXXX XXXX Thank You, XXXX XXXX
Product: Debt collection

IQ Data has ignored multiple requests for records concerning an alleged debt they are attempting to collect from XXXX for their client XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are reporting this derogatory account on my credit report and have verified it with the credit bureaus even after I submitted a dispute. there is no verification for this account. Federal law requires that it be immediately removed and blocked from reinsertion. IQ Data continues to violate the FCRA and FDCPA .They need to be held accountable. l am incurring damages as a direct result of their illegal business practices. I have done my due diligence to rectify it. I may need to pursue legal action if this matter is not resolved now.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX  credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

I made a {$74.00} purchase from XXXX on my account on XX/XX/2022 ( transaction # XXXX ). I canceled the ticket with the company. I was meant to receive a refund of 80 % of my purchase ( {$59.00} ). I have not received the refund. I contacted PayPal and filed a dispute. They replied with a very confusing message about requiring more information by XX/XX/2022. I replied saying I did not understand but sent them the information contained here ( in the form of a copy of the transaction information from their website and a receipt from the company ). 

They closed the dispute in the seller 's favor because I did not reply as requested ; however, their own website shows I replied on XX/XX/2022 and the documents I attached. I have been trying to contact PayPal via telephone as I am not able to resolve this online. This weekend I spent several hours on the phone. PayPal 's automated system is geared toward not allowing consumers to speak to a person. When I did get through ( after holding for many minutes, I was disconnected once, told I needed to speak to another department and then transferred back into the same queue I had just left. 

I was finally able to get someone to help me and I was told I needed to speak to someone in another department. I begged not to be transferred and received the telephone number. Today I have called this number but again it is geared toward getting me to go to the website ( this does not help as they have closed the dispute ). Once I did get placed in a queue to speak to someone, the message states it will be 45 minutes to over an hour. I waited for 30 minutes and was disconnected. I can not resolve this issue without speaking to a person who is both competent and properly trained. 

PayPal is a large financial institution that is not behaving as an ethical and responsible financial institution. While I understand that I can not be dealt with immediately, I should not be left to feel that I am dealing with a man in a back alley buying black-market currency. I should be able to contact a person without having to deal with a electronic system that is either poorly designed or designed to shield PayPal from being accountable for their mistakes or poor customer service.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 the company ( s ) were in negligent non-compliance with 15 usc 1681b with XXXX accounts XXXX XXXX and XXXX XXXX XXXX which are actually subsidiaries posing as separate entities both pulling hard inquires without permissible purpose which makes the companies civilly liable under 15 usc 1692k for Monetary relief XXXX per violation
Product: Vehicle loan or lease

I have been a victim of identity theft.A auto loan was open with credit acceptance corp Acct XXXX XXXX  while XXXX.The account has inconsistent dates and data. 
The above account ( XXXX ) has violated my rights. 
15 U.S.C 1681 Section 602A states I have a right to privacy 15 U.S.C 1681 Section 602A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX, I formerly disputed the inaccurate information reported on my credit report under the fair credit reporting act ( FCRA ), Specifically referencing 15 u.s.c 1681 2 A ( i ), 15 u.s.c 1681 E ( B ), and 15 u.s.c 1691 S ( 2 ). THESE CHARGE-OFF Accounts 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 ) Bank of XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These Debts is considered Charged-OFF However, This is actually considered income because I should've received XXXX for them all in order to account for them as income. This is not a charge-off. I'm requesting that all XXXX accounts is removed because it isn't debt they is considered income and income should not be reporting on my credit report.
Product: Money transfer, virtual currency, or money service

I create the transfer on XX/XX/XXXX for XXXX and never been received since was deposited as mentioned, they mention it take only 1 day but no was received properly, I already contact company and its been no solution or proper management of my situation, they just have it on hold
Product: Debt collection

About 3 years ago, I started my own XXXX and opened up a BOA business account along with a credit card merchant service. When I signed up the contract with the bank agent, the guy told me that I can cancel the credit card merchant service any time I want without any penalty. Things have been going smoothly until I closed my business 6 month ago, when the BOA collection department started sending me letter and had me pay them {$540.00}. I understand that I am responsible for the {$44.00} as it is the service fee for the last six months, but I have no idea why they ask me to pay the {$500.00}. After getting the first letter from them, my son called them immediately in an attempt to figure out where the {$500.00} came from. The representative said that the {$500.00} is something called " Early Termination Fee '' which I should take care of it as my XXXX shut down before the contract is over. I was extremely frustrated because the bank agent did not mention anything about the " Early Termination Fee '' in the beginning, she kept telling that I was able to cancel the service freely. My son had negotiated with the collection department and customer service for a long time, and finally they agreed to escalated my case to their management level to see whether they can waive the {$500.00}. Two weeks later, my son got a phone call from a lady whose name is XXXX XXXX I believe ( her phone number is XXXX ), she told us that we no longer need to pay the {$500.00}. I was glad that they waived the {$500.00} at the end, but when I called back the collection department to double check, they still told me I own them {$500.00}. Then my son tried to get in touch with XXXX XXXX, Customer Service, and Collection department to figure out what 's going on here. Customer Service and XXXX XXXX said I do not own them {$500.00}, but the collection department kept sending me letter for the {$500.00}. I am really lost now. It takes long time to get through their phone tree and waiting time, so I decide to lodge a complain here and ask for help. I feel that they treated me in a very unprofessional manner, and the {$500.00} Early Termination Fee is really a fraud, it 's like they rob money from me violently. I want the collection department to give me a fair explanation and apologize to me.
Product: Credit reporting

I have a Judgement appearing on my credit report for Experian and XXXX. The Judgement was a court battle in which I had to pay my ex, attorney fees. This is not against me from a billing collector. Payments were not late and I paid the full amount as soon as I received the order. The Judgement was satisfied asap and was for attorney fees. I have no idea why this " Judgement '' from a child support battle would appear on my credit report or why my custody payments appear on my credit report. 
Thank you for any help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate late payment reports on my credit file related to the following accounts : 1. XXXX XXXX XXXX : Account # XXXX Issue : Incorrect late payment reporting. 
2. XXXX XXXX XXXX : Account # XXXX Issue : Incorrect late payment reporting. 

Under federal law, creditors and credit reporting agencies are obligated to ensure the accuracy of the information they report. The inaccurate reporting of late payments violates my rights as a consumer under the following statutes : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i Reinvestigation of disputed information : Under this section, when a consumer disputes an account, credit reporting agencies must investigate the dispute within 30 days and remove or correct any inaccurate information if it can not be verified.

15 U.S. Code 1681s-2 Responsibilities of furnishers of information : This section requires that companies furnishing information to credit reporting agencies provide accurate information. If a consumer disputes the information, the company must investigate and report accurate results. Any false or unverifiable information must be removed.

15 U.S. Code 1681e ( b ) Accuracy of the credit report : Credit reporting agencies must follow reasonable procedures to ensure that credit reports are accurate. Failure to do so is a violation of the law.

2. Fair Credit Billing Act ( FCBA ) : 15 U.S. Code 1666 Billing error resolution : This law provides protections in the case of billing errors, including incorrect late payment assessments. It gives consumers the right to dispute these errors in writing within 60 days, and creditors must investigate.

3. Truth in Lending Act ( TILA ) : 15 U.S. Code 1601 et seq. Fair lending and accurate disclosures : TILA requires lenders to provide clear and accurate disclosures regarding terms and conditions of credit accounts. It mandates fair treatment of consumers and helps to protect against unfair or inaccurate billing practices.
Product: Checking or savings account

XX/XX/2021 - I opened an account with CitiBank and deposited {$15000.00}. 
XX/XX/2021 - CitiBank closes my account without notifying me other than my statement that was released XX/XX/XXXX. 
XX/XX/2021 - I notice that CitiBank has closed my account and I call to retrieve my funds that I deposited. I'm told that CitiBank closed my account due to suspected fraud activity and they will issue a check for the amount that was deposited. I'm told by a Customer Service Rep that they will issue a check for the {$15000.00}. 
XX/XX/2021 - I'm told that the account was closed by the fraud department and so my request to have a check issued was denied since it was issued by the wrong department. I'm told I will have to go through the fraud department to have my check issued. I'm told that my account will be referred to a fraud specialist who will check into my account to identify where my funds are and when a check will be issued to me. I'm told to wait 48 hours for the fraud specialist to reach out to me. 
XX/XX/2021 - I called to get an update on the progress of my funds. I'm told again to wait 48 hours because no update has been received from the fraud specialist. 
XX/XX/2021 - I called to get an update on the progress of my funds. I'm told again that the fraud specialist has not update my account and there is no timeline for when they will review it.
Product: Checking or savings account

I received a letter dated XX/XX/2022 informing me that XXXX would send a check for {$110.00} because of interest I lost due to them cashing but not depositing three of my checks. It has been over a month and I still have not received a check.
Product: Student loan

I was attending XXXX XXXX XXXX and I was terminated for failing XXXX class because of my teacher. I was on academic probation and I was told if I did not pass all my classes I was going to be terminated. But my teacher did not help me or try to reach out to me instead he made me feel very uncomfortable and I felt left out of the class. I attended XXXX day and he marked me absent and I got dropped from the class. I talked to the XXXX about it and I asked if there was any way I can make up that class, he said to talk to my teacher. My teacher did not take interest he said there was no way I could do the work. I had no chance I passed all my other classes I felt like it was not a fair move. I know someone that was in the same situation as me but they had more encouragement from the dean and staff instead of me. I was told about my situation until I was almost done with my courses, I was suppose to graduate later this year in XXXX. Know I cant get back into school because my credits ca n't be transferred and I 'm left with student loan debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year I have been sending letters and calling XXXX, Transunion, and XXXX about inaccurate information that is being reported in my credit file that is re-aging the account. I have asked them to send me their method of verification after sending me letters saying " verified as accurate '' all they do is send me the same paperwork over and over saying it was " verified as accurate ''. I called XXXX on XX/XX/XXXX the Rep said that the account has been removed. I called back on XX/XX/XXXX and spoke to XXXX to ask for proof of removal to be mailed to me and she stated that " the account is still in my credit file ''. She told me my only option was to call XXXXXXXX XXXX every month and ask them to close the account. I explain to her that this account has been in charged-off since XXXX but the company keep reporting it as " open '' and " closed '' at least twice a month making the account appear new. I have sent in proof that the date of last delinquency was inaccurate across the credit bureaus how could they be verifying if they all have different information? On some months XXXXXXXX XXXX reports that my payments are on time and some months they change it to report that I am 65 months past due and some months I am 40 days late. There is no way that these credit bureaus are verifying inaccuracies. This account is almost 8 years old but it is being allowed to be illegally re-aged because the credit bureaus are not doing what they're supposed to.
Product: Bank account or service

On XX/XX/2017 XXXX, someone did a wire transfer from my Bank of America Checking Account to an account in XXXX , XXXX for {$930.00}. I checked my bank account around noon on that day and called my bank immediately and reported it. I was told that it would take up to 10 days to investigate and that they could not provide me a credit for the money taken.
Product: Debt collection

XX/XX/XXXX - account deleted from credit report. ( Disputed for having no knowledge of account ) XX/XX/XXXX - debt ( {$1200.00} ) reinserted without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with  originally therefore I have no obligation to pay this debt ) XX/XX/XXXX - debt ( {$1200.00} ) sold to another collection company. Reinserted debt without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with  originally therefore I have no obligation to pay this debt )
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. 

1 ) Account Name : XXXX  XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX  Account Number : XXXX XXXX ) Account Name : XXXX XXXX Account Number : 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Reviewing my credit report revealed accounts I do not recognize or consent to. I ask for their prompt removal as they are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is LVNV/RESURGENT still reporting my address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ. Where did they ever get this address to start? Why are they still reporting the debts that they allegedly claim when they haven't been able to provide any signatures and have just copied and pasted names on bills? Where is a single receipt showing a signature? These guys have illegally obtained my PII and continue to harass me. They need to have a signature before they can even send someone to my house unless you want me suing the process server who will then sue you for not proving that they even have a right to step on my property. You have failed time and time again to prove that these debts are legitimate. All you guys do is make up copy/paste bills and then send them to people to scam them out of money. You have a document that was served to the wrong person.