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

I noticed I had late payments on my XXXX XXXX/XXXX XXXX Card after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to a Discover Acct ending in XXXX. I am lodging a new complaint in reference to a adverse decision that Discover made in a complaint that was closed. Complaint number : XXXX.
Product: Vehicle loan or lease

Received a letter from Old National Bank XX/XX/XXXX for a loan in the amount of {$36000.00}. for a XXXX XXXX XXXX. Called Customer Service XX/XX/XXXX to report this loan as fraudulent. Customer service would not let me talk to anyone in the fraud department and told me I have to I have to go to a branch. I don't understand why I have to take time off of work which I don't get paid for to come to a branch when I didn't take this loan out on this vehicle. This loan was taken out in Michigan and I have never lived outside of Indiana. I feel as if ONB did not do their due diligence at the time of loan and allowed this fraudulent in my name.
Product: Credit card

On XX/XX/2024 a hard inquiry was issued on my credit report in response to an unknown entity applying for a Capital One credit card without my knowledge or consent as a product of identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re :  XXXX   XXXX  Account #  XXXX  Experian I would like to dispute the validity of account   XXXX    XXXX   XXXX .   I continue to dispute the validity of this account. I request any and all information use to open this account.I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. I request to be notified of the outcome of this correspondence?   Thank you Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has 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 a 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 purpose.
Product: Credit reporting or other personal consumer reports

The inaccuracies are highly injurious to my credit score This account was charged off on the following date : Since then the account has repeatedly been updated charged off every month.

This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations you failed to investigate this account properly after I asked more then TWICE and your neglect has violated my rights I am demanding a deletion of the following account : You Failed to protect my consumer rights Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

I own a business and have used BOA credit cards for myself and my employee. I have a {$25000.00} limit on my card and my ex-employee had a clearly identified spendable maximum limit of {$5000.00}. He has been exceeding that limit and last month he spend over {$12000.00} on the card which as a {$5000.00} limit. BOA takes no responsibility at all for this excessive overuse of the credit card limit which they approved. This employee has since left the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeated requested to have Experian update the payment history information for XXXX which is a closed account. I can no longer dispute this on their website. During XXXX through XX/XX/XXXX. Experian reported inaccurate payment history status ; the account history status showed inaccurate information I submitted a copy of the comparison between experian and neither were consistent during this time period plainly showing inaccurate reporting of account history and payment status. As a credit consumer if there are inaccuracies in the way information is reported the credit bureau must remove that information. I have repeatedly asked this to be removed. It is still showing up in my payment and account history status during the time period of XXXX to XX/XX/XXXX. This has not been addressed this has not been removed and is violating my rights as a consumer!
Product: Debt collection

Citibank has repeatedly called more than 7 times in a week and up to 15 times a week. I tried to turn the card off in order to not accrue monthly unpayment charges as I can no longer afford to keep the card. They denied my request to turn the card off and continue making monthly payments until it is paid in full and now call me constantly
Product: Bank account or service

there were fraud checks deposited into my bank acct ( Capital One ) and an ATM withdrawl of {$480.00} that Capital one bank is holding me responsible for. the ATM withdrawl was done in IL. I called and reported my card lost and the fraud on my acct. Capital one is holding me responsible for the {$480.00} withdrawl that I did not make. they are also ending our banking relationship saying I am a liability. how can I fight this? All my funds are on hold.
Product: Money transfer, virtual currency, or money service

Hello, Long story short, a received a Zelle payment from someone i know. the money was 100 % in my account, the friend later called me and told me that someone got a hold of their zelle or something and is sending out money or attempting to with people on their contacts. they were on the phone with XXXX bank ( we both have XXXX ) and XXXX had asked if i could just send the funds back over to make things easier, they had the same name and number on the zelle account so i sent back the money and they DID NOT receive it, XXXX then removed the money from my account a 2nd time and left me in the negative. i have not been able to use a checking account since and they are asking me to pay the rest off, i have called regarding the situation 20+ times, 7 times in one day, i even contacted zelle and they told me to contact XXXX again which was just a big circle at that point. the This is the exchange with the - {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a contract with Conn 's appliances in XX/XX/XXXX. 

Conn 's Appliances has reported late payment history on my credit file, when no late payment was made. 

Conn 's Appliances has reported that they did not receive a payment for 90 days for the months of XXXX, XXXX, and XX/XX/XXXX. 

I provided bank statements of payment to Conn 's Appliances for those months as proof of reporting error. 

Customer service representative for Conn 's Appliances verified the payments and provided a screen capture of the payment history to Conn 's Appliances which reflected no late payments. 

I disputed the error to the consumer credit bureaus and Conn 's Appliances, and have thus far been unable to have the inaccurate information corrected by Conn 's Appliances. 

Conn 's Appliances Verified incorrect credit file information after being provided documentation of inaccuracies on credit report file with customer service agent verifying no late payment should have been reported. 

Suit was filed against Conn 's Appliances on XX/XX/XXXX for violation of FCRA.
Product: Credit card

Our Post office has a new mail person. She mis delivered my bill to neighbor and I did not get it for over a month. I had charged {$5.00} on a card. I called the cr card company. She promised to remove the {$5.00} late fee if I paid the {$5.00}. I did. She refused to provide written documentation of her promised but assured me it was " in the notes on the account ''. To show appreciation, I used the card the next month. When the bill came, I found she had not removed the {$5.00} fee and as a result, I now owed it plus additional fees and interest. I called and the rep confirmed the notes on the account did reflect that the gal was removing the {$5.00} fees from the month before BUT BECAUSE THE PERSON HAD NOT DONE SO, I now owed all of the fees. I told her I was fed up and would pay for this months purchases and close the account. She tried to talk me out of paying this months purchases. She PROMISED, if I close the account, I would not owe any of the fees they charged NOR ANY OF THE COST OF PURCHASES. That did not make sense. After I challenged her on that she said " Trust me, I do this all the time. You will not owe either the purchases or the fees if the account is closed. '' I told her I did not trust her. No way would I not owe for the purchases and no way I will fall for their tricks two times in a row. I told her I would pay for my purchases then close the account. What she was really trying to get me to do was not pay the bill so they could turn it over to collection and get even more fees. This is a scam. When I told her these conversations are recorded, she became very upset. She recorded it she said so therefore, I have the same right. Recording a call in which I participate is legal in Texas. I am reporting this so others who are scammed the same way can avoid being harmed. I paid for the purchases immediately. I did not pay the fees they twice promised to remove. I will close the account once my check has cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT THERE ARE ACCOUNTS AND INQUIRES THAT I DO NOT RECONIZE.
Product: Money transfer, virtual currency, or money service

I booked on XXXX using PayPal and chose PayPal. XXXX as method of payment. Payment was taken from my debit account via PayPal and I didnt authorize this method of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified of a credit pull on the below companies, I did not authorize this activity, nor did I apply for a credit card from a makeup company. Filed a complaint with Equifax and notified the company below, They have no record of this : If this is the case, this should be removed from my credit report. Security alert placed on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Beginning in XX/XX/2021 through and including XX/XX/2021, unauthorized transfers of funds were made from my checking account. I brought this to the attention of the Citibank , N.A . fraud department five times and requested new ATM cards each time. I was not advised to close the account and move my funds to a new account linked to the new ATM card, which I believe might have thwarted the efforts of those defrauding me. I assumed that those committing fraud against me had somehow obtained access to my online account so I did not go online to check the account 's status and instead requested and received paper copies of my monthly statements from Citibank, N.A., which I have in my possession. Over the time period mentioned above, I watched my account dwindle almost daily. When I reviewed the statements mailed to me by the Citibank, N.A., I saw beginning on XX/XX/2021 thousands of dollars wired to XXXX accounts in California and hundreds of gift cards purchased by the co-conspirators from Best Buy, XXXX, XXXX, XXXX, and XXXX 's XXXX. I have these cards in my possession. There were also wire transfers to various cryptocurrency accounts at XXXX, XXXX, and XXXX XXXXTo reiterate, these unauthorized wire transfers continued through XX/XX/2021 depleting my account of more than {$250000.00}. I have used this checking account for more than 35 years for every imaginable payment, including taxes, rent, children 's education, food, and clothing. Now, I am retired for health reasons, but receive no disability payments so these funds are vital to me.
Product: Credit card or prepaid card

I was receiving my Texas unemployment benefits on the reliacard and I had fraudulent charges made on XXXX and they placed a fraud block on my account. Since that date I have moved my unemployment to a different bank and have had no problems. The reliacard services still hasn't removed the block and I have followed their guidelines to verify my identity just the way they requested and not to mention done this more than 5 times. How is it you van send me text about my account you can mail me paperwork on my account and yet when I call to speak with a customer service person and verify the exact info on my account i get told that I need to send it verification yet again. On XXXX i received a text about deposits made to my account and that I could reset my pin thru the automated system but yet never got transferred to do so and in less that 5 minutes later I call back and they tell me that my account t was never unlocked!!! How can you get a deposit on an inactive account? Thats what your bank keeps telling me is my account is inactive so can you explain why this is going on and who's lying your workers the bank or is it you?
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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 or other personal consumer reports

After reviewing my credit reports, I spotted some inaccurate late payment accounts that needs reporting and correction through your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violated HIPPA law on a d ebt that is not mine. They keep selling my information to different collection agencies after credit agencies delete them. They hindering my score to buy a house for my family and I. I do n't have a contract with them. There is no way they are validating a debt from a company that is not real.
Product: Credit card

I flew spirit last year and they were giving flyer points if you filled out their card. B of A sales reps called me.. I said I'm not interested in a credit card or paying for service to get flyer points. I told them my credit was also on security freeze too. They kept calling so I stopped responding. I got a letter today saying an spirit credit card was opened up in my name anyway. They said I owed {$79.00}. I was shocked when they said it's been opened a year. The fraud alert asked me who did it.. I said you " Bank of America '' sales rep. They said they will close the account and send me a letter to confirm it is closed and that I don't owe them anything. I never did get any flyer points from spirit airlines for filling out their card either ... To me it was all a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward, I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts opened that I am not familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$540.00} XXXX XXXX {$450.00} XXXX XXXX XXXX {$590.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( e ) ( b ). 
Account name : XXXX XXXX, has violated my rights. 

I looked at my XXXX  credit report on XX/XX/scrub>XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

We have a mortgage with Suntrust and owe more than the the property is worth. We attempted to sell the property for the amount owed on it, but after many months of being listed with a realtor, we could not find a buyer. So we began the short-sale process XX/XX/XXXX and found a buyer ( XX/XX/XXXX ). Suntrust delayed the process so long that we lost the buyer ( it was a XXXX exchange and there was a deadline by which the sale had to close XXXX. We have found other buyers since then XXXX all below what we owe but at fair market value ). Suntrust has not allowed any sale to go through. Then we requested a Deed in Lieu XXXX DIL XXXX and after much delay, Suntrust approved this XX/XX/XXXX. We received a notice in XXXX that we needed to have the property empty by XX/XX/XXXX ( we had tenants in the property ). We asked the tenants to leave and it is now XX/XX/XXXX but Suntrust has not finalized the DIL. The property is sitting empty and our debt continues to accrue. We are no longer collecting rent XXXX to help offset our losses and to keep the place occupied ). We are unable to get Suntrust to finalize the process and are looking for a resolution.
Product: Checking or savings account

Citibank froze my savings account without explanation. The fraud department refuses to even speak with me as they claim my phone number ( XXXX ) XXXX XXXX can not be verified. So I can not proceed further. Ive tried escalating the issue with no success. The number has been in my name for 15 years. I regularly receive texts from Citibank on this number. All I want is my account unblocked and to close my account and never have to deal with Citibank again.
Product: Debt collection

I've never had an account with this company or XXXX XXXX who they're holding debt for.
Product: Credit card

XXXX XXXX and XXXX is deceiving consumers by offering an customers an annual rate year one, and then making consumers pay monthly fees for that annual rate. I have never paid an annual fee on a credit card on a monthly basis. I believe this is deceptive and usery. even if this is disclosed on the agreement, it is not clarified for someone to understand and detail that they will be paying a monthly annual fee. It doesnt make any sense and this needs to be looked into because its hurting vulnerable consumers there are not privy of this information.
Product: Credit reporting, credit repair services, 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 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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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

The reporting agencies has failed to investigate after providing evidence that are revolving around the accounts and stated that their results for completed thus closing the case. he agencies reported inaccurate information refusing to remove, update, and validate all disputes. Arbitration was filed and that was also ignored. These organizations have refused to reinvestigate any disputes after allowing business organizations to cause significant damage upon my financial report. I sent a letter to the reporting agencies and they refused to respond thus responding 60 days later requesting for the same document they have requested for five years.

They have ignored all correspondence and have provided false, misleading information, misrepresentation, willful negligence intentional tort, violating numerous rights that protect me as a consumer.
Product: Credit reporting or other personal consumer reports

I paid the balance of {$120.00} and XXXX XXXX University is refusing to remove it from my account because of the borrowers defense case that I have currently pending for them as I am included in the class action lawsuit. 

XXXX XXXX University Deceptive Practices Investigation :XX/XX/XXXX