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

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX - XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Incorrect Address
Product: Debt collection

First and foremost Ive recently been educating myself in financial literacy and have found out that more than 90 percent of my consumer report has been in violation for the past couple of years. I have made Many attempts to all 3 Agencies via certified mail last year XX/XX/2022 to get back control of my Consumer Report by informing them to Deleting incorrect addresses and informing said Agencies about inaccuracies on my consumer report made by the XXXX XXXX Furnishing the Data to these Consumer Reporting Agencies .
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : 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 requested a copy of my credit report on XX/XX/XXXXand discovered unknown credit and decided to file a dispute with the credit bureau but it gave me the following message ; " we are unable to process your dispute ''. I have several credit accounts on my credit report that I did not authorize and need to dispute them as I have been receiving collection calls regarding these debts that I personally did not authorize and voluntarily incur this debt. I strongly believe I have been a victim of credit fraud. Consequently I have been denied housing.
Product: Credit card

This notice I received in the mail has important information on it. I don't know what it is. It looks very fraudulent. The notice is not the first time. It's strange that this happens when I change my social security number at XXXX XXXX XXXX XXXX XXXX XXXX, Ma and these are the situations I'm going through. Is there any way that you can explain to whom ever that this intruder is using my identity, citizenship to rack up a bill with my important information? Please stop this infringement it's pathetic and cowardly.
Product: Credit reporting or other personal consumer reports

I have viewed my report on XX/XX/year> and I have noticed that items are still incorrect. I have requested that these collections/closed accounts be removed off my credit report. I have provided proof of identity, police reports as well as identifty theft and they are still on my report. The collection and or closed accounts that are on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you have to remove these items within 30 days time period, then you must delete all of the disputed accounts from my report. You must now delete the disputed items and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 

and it has been past 30 days at this point. 

According to 15 USC 1681s-2 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

I have submitted a dispute about a fraudulent inquiry with Equifax. 

XX/XX/XXXXXXXX XXXX 2022 I submitted a dispute about a fraudulent inquiry XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I was told to submit a copy of the FTC report, copy of ID and Social Security card. I submitted these items and called on XX/XX/XXXX to get the results. I was told that they would be removed in 30 days. They were not. 

XX/XX/XXXX ( more than 30days since the dispute was submitted ) I called and was told that the inquiries would be removed in the next 72 hours. On XX/XX/XXXX XXXX inquiry was removed but XXXX XXXX XXXX XX/XX/2022 remained. 

XXXX XXXX called again and was told that I did not provide a cover letter when I submitted my dispute thats why one inquiry remained! I aksed exactly what coer letter they needed and was given instruction to address it to Equifax and outline the inquiry being disputed. 

During this time I submitted complaints to CFPB with all the documentation I sent to Equifax. 

XX/XX/XXXX I sent all the documentation requested with a cover letter. This letter was received by Equifax XX/XX/XXXX accoring to the Us Postal Service. 

XX/XX/XXXX I received a copy of my credit file dated XXXX XXXX ( confirmation # XXXX on this report the inquiry still remains. 

XX/XX/XXXX I called Equifax and asked for the fraud department and the lady says this is actually the fraud department so I ask for a supervisor from the fraud department. After XXXX minutes of waiting I spoke with a gentleman that states : We received your documents but the inquiry remains because your social security number isn't legible! 

To the human eye it is legible but maybe not to a computer!
Product: Credit reporting

I have an acount with XXXX XXXX, account # XXXX. The balance is XXXX. Equifax fails to reflect same XXXX balance after numerous attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acura financial and XXXX XXXX  card XXXXXX/XX/2022 late because i was hospitalized and provided letter from hospital. Instead of removing the late they moved it to XX/XX/2022 then to XX/XX/2022. I need it removed from XXXX XXXX and XXXX. I need 2 30 day lates removed from Acura/honda financial and XXXX XXXX card.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/19. They said that Bureaus Investment Group Portfolio NO 15 LLC has purchased an account ending in XXXX from XXXX XXXX XXXX   and they will be helping to collect the debt. I had within 30 days to dispute it. I never received a letter from XXXX  XXXX or Bureaus Investment Group Portfolio NO 15 LLC. I responded to XXXX XXXX XXXX XXXX XXXX with a certified dispute letter dated XX/XX/19. The receipt number is XXXX XXXX XXXX XXXX XXXX. They received it on XX/XX/19 at XXXX. I waited a month for a respond. They ignored my dispute letter and sent another letter dated on XX/XX/19 offering to settle the debt for 79 % of the balance.
Product: Debt collection

I gave XXXX XXXX County Fire my medical insurance information for an ambulance transport to the hospital in 2018. Everything was settled thru my insurance company XXXX XXXX. I am now receiving harassing letters from Professional Credit Service demanding that I pay them {$200.00}. I do not owe this money.
Product: Student loan

I am having issues with my account and how payments are being processed. I received paperwork advising interest rate is 0 % at this time and was advised the same by a representative. However, I continue to make payments yet my account continues to go up. For example, I recently made a payment on my account for {XXXX} to bring my account to an even XXXX  but now my account is showing I owe XXXX. There is not accuracy within my account and I believe I am paying more than what I owe. My monthly payment is also at XXXX. I have been paying lump sums on my account yet none of it has been applied to the random interest owed, yet Im owing interest and it dinged my credit.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act 15 USC 1681 section 602 states that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, partiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared, which is backed by 15 USC 6801 which states, Its the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers, and to protect the security and confidentiality of those customers non-public personal information. These companies that are listed in the attachments on my report are financial institutions by definition under that title. 15 USC 1681 section 604a section XXXX states that In general subject to subsection c, any customer reporting agency may furnish a customer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institutions that are attached and the consumer, reporting agencies, XXXX, XXXX, TransUnion, do not have my consent to furnish this information, and they surely dont have my written consent. Any and all consent to XXXX, XXXX, TransUnion whether it be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non-public personal information to a non-affiliated third party unless- the consumer is given an explanation of how the consumer can exercise the nondisclosure option. None of these companies ever informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states that Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years. These accounts are adverse items they are reporting without my permission which is against the law. 15 USC 1681s-2 ( a ) ( 1 ) states 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. 15 USC 1681c states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title, and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, TransUnion are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX in XXXX of 2021. Wife XXXX XXXX XXXX was co-owner of the account but inactive. The account had {$3500.00} and it was reduced to a small balance but we were unaware that monthly fees would be charged as the balance was reduced below a certain level. As the account was inactive and we were conducting no business with XXXX XXXX  we were unaware that they first took the entire balance in fees then created a negative balance, and continued to add additional fees, charge interest and report delinquency. As we became aware through a telephone call from their collection department we did pay off the balance but desire the negative reporting removed or amended to indicate their billing and activity caused the concern, not actions on our part. In a perfect world they would refund the {$80.00} original balance as well as {$55.00} in additional fees and interest that we have paid to satisfy and close the account.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, nor have they provided satisfactory validation. I kindly request your assistance in resolving this matter.
Product: Debt collection

In XXXX 2015, I received a notice from a company named XXXX XXXX , XXXX stating that I owed a debt to XXXX. I called this company and also XXXX and reported that I do not owe this debt as I had never sold anything on XXXX. I also reported this to the local police as a case of potential stolen identity. In XXXX I received an email from XXXX claiming they were reviewing this claim. 
On XXXX XXXX, 2015 I received a letter from another company named Allied Interstate LLC claiming I still owed XXXX a debt. Apparently XXXX allowed someone to link to my account without proper verification and now wants me to pay for their incompetence. 
I have already spent a great deal of my time attempting to resolve this issue. With my personal time and cost of consulting my attorney, this has cost me over XXXX times the amount that is claimed that I owe ( {$89.00} ). 
This has become quite an ordeal as well as generating a great deal of stress on me and my family. I am physically ill and I am concerned that this will adversely affect my excellent credit score ( + XXXX ) that I have spent a lifetime maintaining. 
I have attempted to describe this situation as briefly as possible. I have spoken with the debt collector, XXXX and XXXX. I have also spent time making police reports, consulting with an attorney and responding to emails from XXXX. I believe that they are purposefully attempting to " beat me into the ground '' in their attempt to collect a debt that is not mine. I have also spent time researching this and discovered that anyone can link to your XXXX account without appropriate identification. I am shocked that a company such as this operates in this manner. They also do not cooperate with police agencies as they have thrown many bureaucratic hurdles in front of the investigating officer. 
Thank you for reviewing this complaint. I believe it is a microcosm of a much larger and systematic pattern of illegal practices by XXXX. Most people probably pay rather than deal with this abuse.
Product: Credit reporting or other personal consumer reports

I need the CFPB help because I have been identified as a Human Trafficking Victim. I have provided the documentation to substantiate my identity and the items that are the result of that Trafficking : I have provided as per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) XXXX XXXX XXXX I have supplied my ID, Social Security card XXXX Bank Statement, Victim Determination Letter, Self-Attestation statement, Items identified to be the result of trafficking to be blocked, FTC Report
Product: Credit reporting or other personal consumer reports

I submitted dispute through Equifax via phone since I am unable to access online portal regarding inaccurate/ incomplete balance history for account listed below. XXXX ( XXXX of XXXX ) Account ending in XXXX. Its safe to say a thorough reinvestigation was not completed since account reported back as verified/updated, but account appear to be reporting the same discrepancies. Report is reflecting date of last payment XX/XX/XXXX but there is no payment being reflected, report is also reflecting on time payment for XX/XX/XXXX then XX/XX/XXXX is reflecting 90 days past due. I am asking to be provided with ALL ACCOUNT LEVEL DOCUMENTATION that was used to verify account in dispute between the furnisher and credit reporting agency. Pursuant to the FCRA " Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information ''. Said companies is in violation of 15 USC 1681S-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. In addition, said companies are in violation of Privacy Act of 1974
Product: Credit card or prepaid card

On Friday, XXXX, XXXX, I went to XXXX and purchased 2 gift cards for my grandchildren for {$25.00} each. I inserted my CitiMC doublecash card into the machine. I had a XXXX promotional offer of {$10.00} off my bill and when I saw the {$10.00} come up I thought that was what it was for. I was wearing a mask and my vision is not wonderful on the small screen and I thought I was using the {$10.00} XXXX credit. When I went home and checked the CitiMC online account, I saw that they took XXXX off my rewards ( the equivalent of {$12.00} ) and gave me a {$10.00} credit off the XXXX  bill. 
I called up the company Monday, XX/XX/XXXX when they were open to ask them to reverse the points back and take off the {$10.00} credit ( XXXX XXXX XXXX ). I spoke to XXXX. She said she couldn't change anything. I asked for a supervisor and spoke to " XXXX ''. He said the new plan from CitiMC was a 'benefit ' ( not to me as a customer... it benefits Citibank XXXX. He said the best he could do would be to give me a one time XXXX point refund. I said I wanted the full amount reversed and to be charge the {$10.00} for the credit from XXXX. He wouldn't and said he'd send me to a supervisor. After XXXX minutes, the phone was hung up and CitiMC DoubleCash was done with me. 
I feel that this bank is taking advantage of people. If you use the points for a credit on your statement, you get the full amount. If you use it in a store, they charge you and waste my time looking at a screen instead of just buying something. 
I would like the charge of {$10.00} reversed and the XXXX points put back on my rewards ( the {$12.00} equivalent that they charged me ). I don't think CitiBank should be even allowed to do this with XXXX and XXXX as they want now. Consumers are hurt. The bank makes money. It's more red tape for the consumer. We need help with rewards that make money for us, not for other businesses. 
Thank you
Product: Checking or savings account

On XX/XX/2021 I initiated a transfer of funds, {$1000.00}, from my previous bank account with XXXX XXXX to Citibank Online. I had opened a checking account on XX/XX/2021 with Citibank Online. On XX/XX/2021 I had tried to transfer more money into the account only to receive an error saying that Citibank was not responding. 

Upon checking my email following the above, I filled out a documentation form requesting my drivers license and a proof of address. After this I called customer service for Citibank. 

I spent the next four hours speaking with various customer service representatives over the phone and using the chat function on the Citibank App. I was informed that my account had a hold on it for a {$0.00} transaction that was only visible to the customer service representatives, and not to me. Thus my account is under investigation for next 7-15 business days. With no way to resolve it. I was also told that I could not expedite the process, even though all funds I possess were in that account. I was also informed I could not transfer my funds out of the account, nor access them in anyway until the department was finished with the investigation. I was never able to speak with a supervisor or manager upon request to verify this information, though I requested to do so multiple times. My money is on hold for no discernible reason. I also was hung up on by customer representatives multiple times, and treated without care or resolving my issue. I was also refused the number of the team that would actually be resolving the hold on my account, being told that the " backroom team '' would be taking care of it.