23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I applied for Citibank checking account on XXXX XXXX 2016. Since that point of time I got some emails to send the driver 's license, utility bills, address proof etc..all of this was provided to them on XXXX XXXX 2016. I got some information about my account # and routing # also ... .got my debit card also ... but till now I am not able to login to my account online. I can not even use my account. I believe more than 2 weeks is too much a time to have this kind of access? There is absolutely no chat support available and no email address where i can ask them to provide this access ... i tried calling them once and chatting with them about this issue but no success after 2 weeks also.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XXXX XX/XX/XXXX
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Record type XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Record type XXXX XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 


However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

Springleaf has reviewed my account and repurchased the judgment from XXXX. Also, Springleaf is vacating the judgment and assuring me that there will be no additional attempts to collect the debt. This information has not been updated to the court house of XXXX to remove the Lein, I am trying to purchase a home but can not due to Judgment still on my credit report also have not been removed from the court house. I have tried to contact Springleaf- XXXX XXXX XXXX at XXXX but he will not return any of my calls. As you can see they stated they are vacating the judgment but it has not been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I spoke with a representative and got my car payments deferred due to COVID 19. The agent stated they were able to defer my XXXX and XXXX car payments, and that my car note wouldn't be due until XX/XX/XXXX. In XXXX the car was sold to a dealership who paid the car off, XXXX confirmed on XX/XX/XXXX they received the full payment on XX/XX/XXXX to pay the car in full. In XX/XX/XXXX XXXX reported a 30 day late payment to the credit agencies. I called and spoke to a representative on XX/XX/XXXX asking them why this was placed on my credit as there was never a late payment on the vehicle. The representative informed me that she seen where I called in in XXXX for the deferred payments however that agent never completed the setup. I asked well why wasn't I informed or why want any communication sent to me regarding this matter, the agent stated it was all set up. I also told the agent if what you are saying is true then the payment for XXXX and XXXX were late as the car not is due the XXXX of each month and they are reporting my XXXX payment was the only late payment. She informed me that she shows its inaccurate and they are going to get this updated immediately. I have spoken to countless representatives and was hung up on by a manager. I have been professional in this entire process and have tried working with XXXX to get this matter resolved. I had the vehicle for 3 years and I have never paid the car note late. I attempted again XX/XX/XXXX to resolve this matter and have explained to the finance company that I need to get this matter resolved as I am in the process of purchasing my 1st home and this hurting my credit and is untrue. I have not had an issue with XXXX and would like to do business with them one day in the feature, but the information they are reporting is FALSE and I have exhausted all my avenues to get this matter resolved.
Product: Mortgage

In XX/XX/2017 my home was more than 75 % destroyed by a wildfire. My homeowners insurance ( with XXXX ) paid for several type of coverage ( loss of personal goods, loss of furniture, destroyed plants, a mobile home on the property ). XXXX wrote a check for the amount of my coverage on the dwelling XXXX {$530000.00} ) to the lender and me. I endorsed it to the lender. ( XXXX XXXX at that time. I'm told the loan is now owned by Celink. ) XXXX XXXX paid {$410000.00} +/- to a general contractor who worked on the rebuilding. Celink has the remaining {$120000.00} +/-. 

Celink will not release any of those monies to me or my current general contractor. Celink maintains that I have to rebuild or replace the mobile home that was on the property and a workshop that was on the property. 

There are both items of personal property. Celink is withholding insurance proceed that were provided by XXXX to rebuild/repair the " dwelling ''. All other payments from XXXX for other type of coverage were paid solely to me ( i.e. not to the lender and me ). 

The mobile home and workshop are not part of the real estate that is the security for the loan Celink now owns. Neither of them are items I want to, or intend to, replace. I do not believe Celink is justified in withholding the {$120000.00} which I need to complete rebuilding my home. Celink will not discuss this with me. 

Can you clarify whether or not Celink is entitled to withhold those funds? 
XXXX XXXX XXXX
Product: Student loan

Sallie Mae then Navient I paid for the loan through them for over 15 years and the loan never came down they just stole money I paid back triple the amount I borrowed I had it moved to XXXX and they forgave loan Navient owes me a lot of money back as a refund
Product: Debt collection

On XXXX XXXX I mailed a certified letter to XXXX disputing an account placed on my credit report. On XXXX XXXX XXXX advised me to contact the grantor Amerifinancial Solutions by mail or phone. On XXXX XXXX I mailed a certified letter asking for validation of the debt to Amerifinancial which they received on XX/XX/2021. Today is XXXX XXXX and I have not received a response from Amerifinancial Solution validating the account. Federal law requires that collection agencies respond promptly within 30 days. It has now been 38 days since this company has received my letter and has failed to not only comply with the federal law but to validate this debt. This account continuing to be listed is a serious violation of the FCRA ( Fair Credit Reporting Act ). Please delete this information from my credit file and cease all collection activities immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Student loan

Navient reported a student loan as being past due 60 days on the credit report. This information is factual incorrect. The last communication that I had from Navient was the loan was being placed into an " Administrative Forbearance '' due to a class action lawsuit, which they identified that I was a part of. Since that notification in XXXX, there was no communication from Navient. Navient mailed the letter to my house stating that there was no further action due to this " Administrative Forbearance '' and that I would be notified when action was required. I do not have an online account, never set up one. Previous to this administrative forbearance, Navient would mail out a billing statement to my address. It's unfair for Navient to report the loan as being past due when there was no communication from Navient about repayment. Furthermore, in a call with Navient on XX/XX/XXXX, the representative told me that " billing statements were generated but not sent because there was no payment due ''. Furthermore, I was in a XXXX XXXX XXXX from XX/XX/XXXX, until XX/XX/XXXX, and not discharged from the XXXX  until XX/XX/XXXX. There was a family member who had power of attorney and could have handled payment on the account if such a payment was required but since there was no communication from Navient regarding payment or the loan ending " administrative forbearance '', there was no need to make a payment.
Product: Debt collection

I've reached out to this company about this debt, I have no contract or obligation to pay a debt to this company. This debt is not mine and I have no obligation to make said payment to this company. I have asked this company to provide evidence that I owe them a debt and they have yet to do so. I've asked this company not to reach out to me and they are continuously emailing me and sending mail which is harassment, which is a violation of15 USC 1692 ( c ) of the Fair Debt Collections Practices Act.
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you well. I am writing to express my deep concern and frustration regarding the persistent issues I have encountered in attempting to correct late open accounts associated with my financial profile. 

Over the past several months, I have made numerous attempts to address and rectify the late open accounts on my credit report. Despite my diligent efforts, the issue persists, impacting my XXXX XXXX and causing considerable distress. 

I initially became aware of the late open accounts, and since then, I have taken the following steps to resolve the matter : Despite my persistent efforts, the late open accounts have not been corrected, and the associated negative impact on my credit report continues to affect my financial standing. 

I understand that errors can occur, and I appreciate your commitment to resolving customer concerns. However, the prolonged nature of this issue has prompted me to escalate the matter formally. I kindly request a thorough investigation into the root cause of the problem and the implementation of corrective measures to rectify the late open accounts promptly. 

If there are specific documents or information required from my end to facilitate the resolution process, please let me know at your earliest convenience. I believe in fair and transparent financial practices, and I trust that Credit Bureaus will take the necessary steps to address and resolve this situation in a timely manner. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXXXXXX Balance : {$36000.00}.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the Equifax, XXXX, and XXXX XXXX XXXX agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Debt collection

My account with Comenity bank in regards to my Victoria Secret account has been closed & charged off, however, they keep contacting me for payment & are threatening litigation.
Product: Credit card

QuikTrip corporation changed credit card issuer from UMB Bank to XXXX XXXX XXXX XXXX. Unlike others who have changed XXXX XXXX wanted me to reapply for QuikTrip card. I had been with QuikTrip for over eleven years and had a great track record of paying my bill. I know that come XXXX XXXX, 2016 my credit card account with QuikTrip is over. When it hits my score will drop again because its an old account almost eleven years. Other cards I have change issuers and they just sent me out a new card. I guess QuikTrip just wants to throw out all those loyal customers that do n't deserve their loyalty. This is the way QuikTrip does business I guess.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested another investigation into my credit report and proof with documentation, instead I received a letter stating that my file will remain unchanged and was updated. They failed to provide proof and replied with they gather data from a third-party company XXXX. As stated before TransUnion refuses to properly investigate this item and has failed to do so and has wilfully kept reporting this on my credit likes its states in the attached files they verified it in XX/XX/XXXX which was through a third-party company and failed to provide proof. They are in violation of the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyone 's credit report. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed they dont report any information to TransUnion Credit Bureau, therefore this was has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Im demanding this public record to be removed from my account and the invoice provided for violations be paid in full.
Product: Money transfer, virtual currency, or money service

As a XXXX year old I didnt know what I was doing this girl, said if she have my account for my bank shell send me the money and I believed, but she was doing all the loans in my account and now I owe the bank a lot and I dont know how im going to pay them unless she return it back she blocked me from XXXX and her number but I do have her nunber. She was telling me to send money to her XXXX XXXX but when I look at my bank there was no money, but somehow the money went through, so I thought I was trippin
Product: Credit reporting or other personal consumer reports

I was notified that my social security number had been exposed in several data breaches so I checked my credit reports and notice several accounts that I did not open that I listed on this report from 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 Also there is a Bankruptcy on my reports that I did not do. Please remove these items asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX, OH XXXX ; XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$4200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX XXXX XXXX  XXXX Balance : {$980.00} XXXX  XXXX Balance : {$4200.00} ; XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity Theft. I did not Authorize these Accounts
Product: Debt collection

AllianceOne lists XXXX bills in collection for XXXX debt greatly impacting my credit score. When contacted to dispute the accuracy, they refused to remove the duplicate items. They list almost {$1000.00} in XXXX separate medical debts from XX/XX/2011, when there was only XXXX debt for XXXX the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquires being furnished on my consumer reports.. 
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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report.
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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

I took a loan out with this company XX/XX/XXXX for {$3000.00}. The biweekly payments are {$75.00} per pay period. Per the loan agreement I had to make a XXXX number of payments with XXXX XXXX XXXX. XX/XX/XXXX I received a late payment for {$1300.00}. I contacted them and they claim their system completed and audit from XXXX. This company is reporting inaccurate information that's not in the loan agreement. The account is now paid in full, but the balance and the payment history is not correct and I'm requesting this information be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2002, i sent a letter to XXXX, XXXX and EXPERIAN advising them to remove inaccurate and incorrect information from my credit report, they have yet to do so. 



The credit companies are not complying with their own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed late payments listed for my XXXX XXXX account. I have always paid this account on time and believe this information is incorrect. Please investigate these discrepancies and provide proof of any late payments, such as statements or records. If you are unable to provide evidence, I request that these payments be corrected to reflect my on time payment history.
Product: Credit reporting or other personal consumer reports

CFPB sues XXXX for failing to investigate credit report errors .The CFPB filed a lawsuit against XXXX for failing to properly investigate consumer complaints regarding credit report errors. This legal action highlights significant concerns about consumer protection and the integrity of credit reporting practices in the industry.