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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
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. 

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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

Received email alerts on XXXX from a card company called XXXX  card with multiple uses and multiple dollar amounts. I looked on my transunion report and there was a unauthorized hard credit pull from a company called upgrade. I froze my credit and am providing trans union with a police report to have removed.
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : Chase Business Credit Card XXXX
Product: Debt collection

Servicer, Bank Of America, forged documents to foreclose on debt was  discharged  in banktcruptcy, and the bond holders have not suffered any loss.
Product: Debt collection

ccount Name CAPITAL ONE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Credit Limit {$500.00} Highest Balance {$1200.00} Terms - On Record Until XX/XX/XXXX Upon reviewing my credit report, I noticed that this account is inaccurately reported as charge -off. Under the fair Credit Reporting Act ( FCRA ) - 611 ( 15 U.S.C.1681i ) I am requesting a formal investiagation of accuracy of this information this report.

1. Failure to issue form 1099-c ( Cancellation of debt ) : when
a creditor wries off {$600.00} or more, they are required by IRS to insure a form 1099-c for debit cancellation. I never received this form regarding the alleged charge-off, which rasies questions about the legitimacy and accuracy of this report
Product: Checking or savings account

This complaint stems from several years of attempting to get customer service equal to that given to able bodied individuals from BB & T bank, now Truist. Based on both the lack of support for XXXX customers who don't use voice telephones or TTYs, I decided to close my accounts prior to the merger of BB & T and SunTrust. Unfortunately, I was told that I would either have to obtain a notarized letter to close the accounts, or physically go to a bank. Both of these options are not possible for me given we are in a pandemic and I am XXXX XXXX. As I created some of these accounts completely online, I should be able to also close them online. Of course, BB & T has continued to charge me fees associated with the accounts. 

I have written through the online portal many times, requesting escalation to the bank 's XXXX coordinator, or to their general counsel 's office. Instead, I receive the same canned responses about how they are unable to close my accounts without taking risks with my health. But now, Truist seems too have removed the option to even initiate emails through the portal, and I seemingly have no way to get support from the bank that is holding some of my funds.
Product: Credit card or prepaid card

On approximately XX/XX/XXXX, I went into a store to make a purchase of approximately {$60.00}, and the purchase was declined although I had sufficient credit on my card, and the card was a no limit credit card. Today, XX/XX/XXXX, I get an email about a separate account that Ive had for the last 6 plus years Ive always paid my bill on time and have even paid the balance in full. Even with this AMEX decreased my credit limit and has sent me an email saying that my credit limit will once again be decreased unless I make a {$1200.00} payment. This is totally an unfair practice due to me having a perfect payment record with AMEX on all my accounts by making payments early and always on time for the last 6 plus years. Even through the pandemic Ive never missed a payment and AMEX is now threatening to reduce my credit limit once again, after doing this approximately 2 years ago and decreasing the limit on my gold card no limit account, thereby causing me embarrassment when attempting to make a {$60.00} purchase, by declining that purchase, although there was sufficient credit to make the purchase. They have reduced my no limit Gold card to approximately {$4500.00} and are threatening to do the same to my blue cash everyday card that I have paid faithfully for the last 6 years. I am a retired XXXX United States XXXX veteran who has honorably served my country and do not deserve AMEXs discriminatory and harassing treatment!
Product: Credit card

I signed up for a XXXX XXXX credit card under the pretenses, which were abundantly advertised to me, that I could use the card/account to pay my rent without incurring additional credit card fees and that I would be compensated " XXXX points '' on such rental payments. After signing up for the card, the company 's software refused to allow me to pay my rent via the online platform. I was instructed to contact support. I did so and was informed that because the building 's unit information did not match mine, I could not pay my rent via XXXX. The only options they then provided were to pay the rent by credit card and incur credit card processing fees or to pay by ACH but receive a limit of XXXX points per rental payment, significantly below the offered XXXX points on rental payments. Unfortunately, signing up for a credit card does impact your credit score negatively, and the idea of promotions is to offset that negative financial impact. 

Unfortunately, XXXX engaged in misleading and possibly false advertising concerning this promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax explaining to them that there were accounts on my report that I never gave written consent to be placed on my report. These letters were all sent out to these three reporting agencies on XX/XX/XXXX. It has almost been a month since this letter has been sent and many of those accounts remain on my reports. Pursuant to 15 USC 1681 ( o ) it states that my consent was supposed to be provided to any companies reporting to these agencies. I never consented to these being placed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : auto loan not mine XXXX XXXX Reported : XXXX XXXX, 2022 {$1600.00} Needs Attention FCRA Violation : Collection not mine XXXX XXXX XXXX XXXX FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the Bankruptcy that is reporting on this bureau. I have followed up with the XXXX Case Summary, I have requested my XXXX report and in all the supporting documents I have found inaccurate and incomplete information that the bureaus refuse to remove. This misinformation is damaging my credit score and restricting my financial obligations in order for me to move forward. I would like this account removed as soon as possible.
Product: Credit card or prepaid card

Received email about purchase at Best Buy. Was aware that had not made a purchase and went online and verified that 2 purchases were made with one being sent to XXXX area and I live in XXXX. Online showed purchase with My Best Buy Visa, which I did not apply for or own previously. 

Called Best Buy and they claimed they could not stop shipment of product even though it had not shipped. Inquired about CC and they advised they can not access any XXXX  information at BB and have no information as only Citibank has information. Asked to speak to their Citibank Rep and was forwarded.

Citibank Rep could not find a XXXX  unless I had the XXXX  number which no one can provide or my SSN. S
SN search did not turn up XXXX. Rep could not provide any infomation or help beyond. Told me to contact next week as it was XXXX XXXX and services where limited due to Holiday weekend. Called back Best Buy and got the same information as before as they could not help. 


Started process again on XXXX XXXX by calling Best Buy. Wanted whole story over again as last calls had no created a case file and there was no information about previous call in. Asked to speak to Supervisor and was told I would need to wait for a return call. 

Froze all my accounts as I have no idea at this point as to what is happening and what has been exposed. 

Called Best Buy back after 3 hours. Agent claimed there was nothing she could do and could not or would not escalate my call request. Finally got a case number, by can not get a copy for police report or any other reason and I am in some BB system of which she seems to not have knowledge or access. Can not get policy on what happens to report or if I will be contacted. She claims to be very knowable of BB policy, but claims NO ONE in Best Buy can help with XXXX  information.

Asked to be forward to their Citibank department and got forwarded somewhere. Started to explain again the issue to someone and got forwarded without my knowledge back to BB? No one picked up and was disconnected.

I seem to to be stuck. No one in BB or Citiban
k can seem to find the XXXX  that is supposedly in my name as no one can access such information. Very frustrating and unbelievable at the moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner and are causing me financial harm.
Product: Debt or credit management

MIDLAND CREDIT MANAG Last reported XX/XX/XXXX {$820.00} Open balance MIDLAND CREDIT MANAG Original creditor XXXX  Opened Account status Type Responsibility XX/XX/XXXX ( XXXX mos ) Open - Remarks Original creditor name Individual Consumer disputes this account information Collection account MIDLAND CREDIT MANAG
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Incorrect Personal Information - 15 USC 1681s-2 Dear Experian Credit Team : I am writing to dispute the accuracy of personal information contained in my credit report, which I believe to be incorrect. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681s-2, I request that you delete the inaccurate personal information from my credit report. 

Upon reviewing my credit report, I discovered the following inaccuracies in my personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies are detrimental to my ability to access credit and may result in incorrect reporting to potential lenders. Therefore, I request that you promptly delete the incorrect personal information from my credit report. 

The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information in consumer credit reports. As such, I trust that you will take immediate action to correct this error and ensure the integrity of my credit report. 

Please provide me with written confirmation once the inaccurate personal information has been deleted from my credit report, as well as any additional steps taken to rectify this matter. 

Thank you for your prompt attention to this issue. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Complaint ID XXXX A reply was rec 'd & forwarded to me. As usual Citi deflects the blame unto the Customer. Citi 's reply on the XXXX paragraph was completely incorrect/false. My Social Security check was auto deposited on XX/XX/XXXX however the Citi 's XXXX XXXX XXXX XXXX they had an fraud alert on XX/XX/XXXX from an alleged fraud of XX/XX/XXXX or so. If that had been an actual fraud committed on my account why did it take Citi XXXX months to be alerted. Further hold my much needed funds on my account frozen. They did not even had the courtesy to call me. I tried to pay a bill online & rec 'd a declined notice-knowing I had more than enough funds available I tried again. Now that Rep from Citi said I was overdrawn. 

I did email Citi requesting that they correct that false reply but have not heard from them nor correction issued. Since the XX/XX/XXXX phone conversation with the XXXX XXXX was recorded I asked that XXXX to review it & correct her statement blaming me of not having enough funds to cover my online transaction. 

This is extremely similar to what they did by cashing my mortgage payment 3 times with the same check, same date & caused my account to be negative, all other checks came back as XXXX & fees were charged by those other companies including XXXX do it was no big deal the chaos they caused me plus also recently embarrassed me in trying to pay that bill on XX/XX/XXXX since Citi froze my funds.

Is Citi actually protecting my money since the Fraud Dept did not see the alleged fraud til XXXX months later.
Product: Mortgage

I am in desperate need of assistance. I submitted a modification packet t o Ditech s ince  XX/XX/2016   . However they keep prolonging my case making me fall further behind. By doing that my documents got expire, had to re-summit everything again.     I have tried to work wit h Ditech but nothing is been done. I have provided more than twice all my documents to Ditech.  today I spoke with my assign  specialist   XXXX    XXXX   XXXX   XXXX   he told me there were no new notes, from the escalation that was submitted. At this point I am more than sure tha  t Ditech is practicing fraudulent and deceptive practices in order to prolong my case and to deny me any assistance.
I am tired of Ditech taking advantage of me because I am a elderly person. Ditech is aware that my intentions are to keep my house with an affordable mortgage payment. I am in desperate need of assistance. I have cut lots of unnecessary expenses to make sure I can be provided a modification. At this point I believe Ditech wants to foreclose my home instead of offering me a modification.
Product: Credit reporting

I recently requested all XXXX of my free credit reports threw XXXX, and had no problem receiving my XXXX, or XXXX reports ; however, Transunion sent me a letter changing the apartment number to my address from XXXX to XXXX and denied me my free report unless I send them very personal information in which I object. My reports are frozen at my request because Transunion has been reporting inaccurate information. Transunion suspended my account when I attempted to dispute personal information. Customer service relayed to me she was sending me a new password XXXX times and I never received that password, as promiced to lift the suspension. I had a problem trying to get my free report last year, just the same and am fustrated with dealing with them.
Product: Checking or savings account

On   XXXX   XXXX  , 2017 a staff person at my place of employment handed me my paycheck as it could not be direct deposited for this payroll cycle. However, it is set up for direct deposit going forward. The other employee was in error and was supposed to give it to my Director to give to me on   XXXX   XXXX  . I was informed only today   XXXX   XXXX    of this error. I have a copy of an email that confirms this from my Director. However I deposited the check via Chase mobile on   XXXX   XXXX   after  XXXX  and received an approved message.A day later the deposit was reversed and my account incurred service charges. I now have been informed that the check is being held to   XXXX   XXXX  . It was dated   XXXX   XXXX  . I did not check the date of the payroll check because I have never received a paycheck I could not deposit right away. Chase mobile dud not catch it either. This incident occurred through no fault of my own. I would like all service charges reversed and funds released now. I also want all negative reports on my account and to any credit agencies,  XXXX , and   XXXX    relates to this incident removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the Account Number is inaccurate, Highest Balance is inaccurate, Last Verified is inaccurate, Date of Last Activity is inaccurate, Date Reported is inaccurate, Date Opened is inaccurate, Balance owed is inaccurate, Payment Amount is inaccurate, Last Payment is inaccurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified tracking ; COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I need this issue fixed immediately attached document to the attachments section. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. I demand this account to be deleted immediately. 
XXXX XXXX XXXXXXXX Account # XXXX
Product: Prepaid card

I requested account closure via XXXX mail XXXX/XXXX/2016, per the Terms and Conditions of the account, by mailing the card and a letter requesting closure. While not required per the t & c, I also included copies of my photo ID, as a courtesy and proof of my identity and address. My account balance at the time was XXXX, and I asked that it be sent via check to my address on file, which matches the address on my photo ID. As of XXXX/XXXX/2016 I have still not received a refund. I was also charged a 'monthly maintenance fee ' of {$5.00} on XXXX/XXXX/16, and again on XXXX/XXXX/16, indicating the account has not been closed.
Product: Credit card

I bought clothes with my sears card XXXX XXXX XXXX XXXX in the year XX/XX/XXXX and the account was paid off in XX/XX/XXXX. Now CitiBank sold the debt that I do not owe anymore to XXXXand they are charching me {$1500.00}. I receive a letter now that I contact you and Citi said that I do not owe nothing that the debt is for XX/XX/XXXX XXXX so I do not now wht to do and my credit report is geeting affected. Plese help me the case with you ( XXXX )
Product: Mortgage

I am a homeowner in the state of Va. I am currently in bankruptcy, I am surrendering my home under my bankruptcy, my home has not went thru the foreclosure process yet. Im in the process of moving out of the property, and when I went back to my property, my tv was missing. Is it legal for the mortgage company to change the locks on my property / take possession without notifying me or my attorney?