23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My husband and I have been XXXX customers for years, Citibank handles credit card services for XXXX. On our XX/XX/XXXX statement, Citibank closed my card XXXX due to fraudulent charges. They claimed that my card had fraud charges on it when I took a trip to XXXX to see my son. The charges were numerous ranging from {$89.00} to {$95.00}, although they credited our account we were left feeling skeptical. The fraud charges on our statement reflect that they happened during my trip to XXXX. 
So, to avoid further confusion on our account I started paying for my gas with cash. 
Shortly after, I started examining our statements closer and noticed duplicate charges on my husbands card XXXX. I immediately asked my husband if he thought they were correct since this was his card and he had not traveled to XXXX with me, he also added that the charges on his card must not be correct since he did n't frequent the store that often. As an example, some of the charges on his card XXXX were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, everyone of these charges were for {$39.00}. 
I immediately called Citibank to dispute these charges, they told me they would send dispute sheets but all we received were sheets for XX/XX/XXXX. 
I have been calling to request the forms since early XX/XX/XXXX, the latest forms they sent were statements of our account instead of dispute forms. And, every time I call they keep transferring me between the Dispute Department to the Security Department and keeping me on hold for a long period of time, plus dropping my calls.
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and I am super disappointed with what came up. There are inaccurate accounts still there. I have no idea regarding those inaccurate accounts and I do not know why they're reporting as mine. To further give more information about this, please check the documents that I've sent.
Product: Credit reporting or other personal consumer reports

I Recently reviewed a copy of my credit report and I've noticed that there were Fraudulent accounts on the report.
Product: Credit reporting or other personal consumer reports

Ive made several attempts to all ( XXXX ) of these credit reporting agencies who has failed to respect and correct my request to correct and delete inaccurate information from the report they are furnishing. 
None of these account or creditors has provided with proper disclosure of 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods. Therefore, there should never be any reporting of private information, transactions, or income on consumer reports per 15 U.S Code 1618 ( 2 ) ( i ). This company is reporting is my private business which has no permissible purpose per 15 U.S Code 1681b ( a ) ( 2 ). 

I request that my state ID reflect my only address that's reachable to me per United States XXXX XXXX. 

Furthermore, for the following violations listed below and as a result to not remove inaccurate information. XXXX is in violation of the following : XXXX. 15 usc 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information XXXX. 15 usc 1681e ( b ) - Compliance Procedures Maximum Possibility Accuracy XXXX. 15 usc 1692e - False or Misleading Representation XXXX. 15 usc 1692c - Identity Theft XXXX. 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third party XXXX. 12 CFR 1016.7 - XXXX of opt out notice to consumers ; opt out methods XXXX. 15 usc 1635 - I always have the right to recission XXXX. 15 usc 1681b - inaccurate false reporting XXXX. 15 usc 1681e ( b ) - XXXX must be 100 % accurate across all ( XXXX ) reporting agencies XXXX. 15 usc 1681b ( a ) ( 2 ) - Permissible purpose of consumer reports PLEASE SEE RECENT DISPUTES AND EXHIBITS WHERE VIOLATIONS AND INACCURUCCIES ARE FOUND. 

XXXX IS AN INITIAL CEASE & DESIST ON THE ACCOUNTS THAT'S MENTIONED, COLLECTIONS, CLOSED ACCOUNTS INQURIES.
Product: Student loan

I had XXXX XXXX XXXX loans with XXXX  and the total was {$110000.00} prior to interest starting back up. I submitted a paper application on XX/XX/XXXX to Nelnet requesting to consolidate XXXX of the loans for a total of {$51000.00}, as well as an application for IDR payment plan. They received the application XX/XX/XXXX and I was notified that my loans were being processed and should be completed by the end of XXXX. When I log into my Nelnet account I have a balance of {$100000.00} which is double the amount is should be. I called Nelnet on XXXX at XXXX and waited XXXX minutes to speak to someone. I was advised when they first process the loan the amount doubles but will be corrected. This incorrect amount was also reported to studentaid.gov. This will eventually be reported to the credit bureaus, and interest is piling up on this incorrect amount. I need someone to help fix this asap. Thank you,
Product: Credit reporting

I have sent Equifax requests to investigate and remove unauthorized inquiries from my credit report/file that were not initiated by me and they are not responding.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX amount : {$1000.00} opened : XX/XX/year> I called this company, and they did not respond.
Product: Debt collection

The account can not be reported as a charge off on my credit if the account sold to another lender
Product: Credit reporting, credit repair services, or other personal consumer reports

special finance comp XXXX XXXX I have disputed with creditor and have not authorized such transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had 57 loans with this company over several years. This particular loan of {$1000.00} was initiated XX/XX/XXXX, and like previous, payments were set up to automatically debit my checking account for 9 months. I was away the early part of XXXX taking care of my parents. When I returned XX/XX/XXXX I called the company to get a paid-in-full letter and was told by a lady named XXXX ( sp? ) they had deactivated the automatic payments in XXXX and failed to contact to me -they were using an old email address of XXXX from XXXX AND they did NOT call either of my work or home numbers, or send notification to my mailing address of XXXX XXXX XXXX , # XXXX, XXXX XXXX , CA XXXX. She updated my email address and noted I could make payments via their website portal. I did so and made payments monthly and the final payment on XX/XX/XXXX. Upon reviewing my credit report in XX/XX/XXXX I learned the company reported they charged the account off for {$890.00} on XX/XX/XXXX and did NOT report any of the payments I had made right up to paying the account off XX/XX/XXXX. Even after disputing with all three Credit Bureaus they first insisted no payments had been made, and the information they reported was accurate and the account was past due {$620.00}. On the second dispute I provided bank account statements to the Credit Bureaus showing the debits and final payment made XX/XX/XXXX. Now they have switched their position again and acknowledging payments were indeed made and claiming the account was charged off in XX/XX/XXXX when I called them for the paid-in-full letter. They are now reporting the account as charged off in XXXX and paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account recently appeared on my Credit report. It states that is an account over XXXX and a half years old yet it just recently shows on my credit report. According to XXXX XXXX XXXX XXXX, this account must be removed immediately. 
The account in question is as follows : XXXX XXXX XXXX XXXX which states there is an amount owed of {$480.00}. I am unaware of this account. I have no knowledge of it and it must be removed. 

I hope this finds you well. I am writing to request the removal of inaccurate information from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) Section 609.

Upon reviewing my credit report from your bureau, I have noticed the following inaccuracies : XXXX. XXXX XXXX XXXX XXXX which states there is an amount owed of {$480.00} As you are aware, the FCRA mandates that credit reporting agencies investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I kindly request that you conduct a thorough investigation into the disputed items mentioned above and take appropriate actions to rectify these inaccuracies promptly. 

Please provide me with written confirmation of the resolution and the updated credit report once the investigation is complete. If you find any discrepancies to be accurate, I request that you provide me with a detailed explanation of your investigation 's findings. 

I am exercising my rights under the FCRA to ensure the information on my credit report is accurate and up-to-date. I expect you to comply with the law and carry out this investigation with the utmost diligence. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and professionally. If necessary, I am prepared to take further actions to protect my rights as a consumer. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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 Convergent, the accounts listed on my attachments 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 an account without my written instructions.

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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i wouls like to state i XXXX XXXX pay my bills on time i have all my bill confirmation and receipts and there are false errors in my credit report making my credit bad never had a credit card or been in any type of dept i would like my credit score to be investigated i feel its to low for the bills that i payed off my info XXXX XXXX XX/XX/1986 XXXX XXXX Address XXXX XXXX XXXX i would like to file suit for Defamation of Character XXXX XXXX experian and XXXX have not giving me my correct credit score i would like it to be fix i should be allowed monetary compensation under the FCRA act i have lost assets do to this false credit report the next complaint about my false credit errors goes fedreal trade commission
Product: Credit reporting or other personal consumer reports

Equifax , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the Northern District of Georgia ( Case No. 1:17-md-02800 ) The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
XXXX. Fraud Account : XXXX XXXX XXXX ; # XXXX ; Balance : {$26000.00} It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations because my consumer rights have been violated and belittled.
Product: Debt collection

Was recently notified by XXXX, XXXX and XXXX XXXX XXXX that a collection account was added to my credit report by Midwest recovery Systems alleging an unpaid debt of {$660.00}. This is fraudulent as I have not opened any credit accounts with this company or the one listed as XXXX XXXX. I have reported this entry as fraudulent " account not mine '' per FCRA XXXX. I have also verified that Midwest Recovery has numerous complaints XXXX with XXXX for similar entries against other consumers additionally have multiple complaints filed with the CFPB all stating they were notified through credit monitoring service of a debt that they too did not open. Finally I have also researched the State of Florida licensing bureau and found that Midwest Recovery systems license to collect expired XX/XX/2012 i. The state of florida and another filing was denied. This unlawful practice needs to be addressed and removed completely from my credit report.
Product: Debt collection

I received notice recently that My capital one credit card has been closed by the bank. I previously was going through a dispute with a furniture store called XXXX XXXX. I purchased the Mattress on this credit card but returned it and the company was giving me a hard time about my refund. All of this was communicated to Capital one as I was disputing these charges. I recently got a full refund from XXXX XXXX   which was the only transaction I had made on t he card. That said capital one has charged me late fees when in reality I shouldn't even have a balance and XXXX XXXX gave them a full refund ( statements attached ). Now I have a closed account that has negatively impacted my credit score all over charges I shouldn't have. The balance remaining on the card come from Fees and interest that I shouldn't have been charged in the first place. I've called and visited multiple branches and no one appears to be able to help me. 

I have also attached an copy of an email exchange I had with the Department on consumer affairs here in XXXX XXXX  XXXX showing that the balance was refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score keeps dropping on wrong information And address incorrect
Product: Debt collection

I pulled my credit report again on XX/XX/year> and seen that XXXX XXXX XXXX has been placed back on my credit file saying that they verified that this account is accurate but have been removed from my credit file mutilpe times without showing mt prrof of the debt they say i owe them. I have asked for the bill of sale and also reqested that this company been on a cease and desist until they can prove the I made a consent or any business with them. They have damaged my life and my credit over the years and I demand this to stop immediatel under 15 USC 1693 ( g ) and 15 USC 1692 ( c ). They have now sold the debt to Alliance One Recievables Managent , Inc which I also want to request a cease and desist to as well for trying to attempt to collect a debt that is not mine but cant not prove that I have consent or done business with. I have been demanding a proof of bill of sale or a purchase agreement for this debt but XXXX  get nothing but a piece of papper with credit card statements saying that is validation proof which anyone can get a copy of a statement on a XXXX letter paper.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING ACCOUNT ON MY CREDIT REPORT THAT ARE FRAUDULENT, AND THE WAY THE NAME IS APPEARING ON MY CREDIT REPORT IS UNEXPLAINABLE. NUMEROUS TIMES I HAVE CALLED THEM TO RESOLVE THIS ISSUE ITS IMPOSSIBLE, BECAUSE THEY HAVE NO IDEA WHO THE CREDITOR IS EITHER. I HAVE COMPLAINED ABOUT THIS TO YOU ONCE BEFORE AND TILL THIS DAY I DON'T HAVE ANY RESULTS. I NEED TO KNOW WHO THIS CREDITOR IS THAT SO I WILL REACH OUT TO THEM AND HOPEFULLY GET TO THE BOTTOM OF THIS. I AM ATTACHING MY IDENTITY THEFT REPORT FOR YOUR REVIEW.
Product: Credit card

XXXX an improperly trained customer care representative, XXXX, gave me incorrect information. XXXX stated that the {$220.00} was a charge to my account not a refund/credit to my balance. 

I was expecting a {$220.00} credit/refund from XXXX. However, XXXX was adamant that the {$220.00} was a charge. 

I asked this person, XXXX, to transfer me to a supervisor and I asked him to explain to his superior that I was saying that the {$220.00} was a credit and that he, XXXX, was stating to me that this was definitely a charge. 

The corporate office has been notified of this incident. 

The email went to staff at the Office of the President on XXXX and there has been no response. 

The supervisor was not sure what the problem was with this representative who was so rude and stated that the {$220.00} was a charge not a credit. 

This employee did not listen to me the customer and would not investigate his error. 
I had to request a supervisor. 

The supervisor named XXXX saw that the {$220.00} was a refund not a charge. 
XXXX promised to credit my account {$100.00} for the inconvenience but I do not see the credit of {$100.00} on my account and now the system is down. 

Barclays system has been down several times recently. Each time it last at least 10 hours.

It is very difficult to secure accurate service regarding my account balance.and to receive my credits. I should not have a balance of {$100.00}.

I have asked Barclays upper management to review the call, the mistake made, and the promise of {$100.00} credit to have been applied to my account by XXXX. 

Barclays is not providing responsible customer service as the system is always down or the staff are making serious mistakes. The statement credit of {$100.00} promised by the supervisor, XXXX, on XX/XX/year> was never given.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies continuously disrespect the laws. I have showed them on many occasions, how they are violating the Fair Credit Reporting Act.

According to 1

5 U.S. Code 1681i ( 5 ) the credit agencies must modify or delete accounts that are not reporting accurately.

According to 15 U.S. Code 1681b ( 1 ) the credit agencies dont have any written permission.

According to 15 U.S. Code 1681 I have the right to privacy.

According to 15 U.S. Code 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. 
( 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. 

I can further expand on the negligence. 

The credit agencies have no respect for the laws or me as a consumer. 

They should be held accountable for their daily actions.
Product: Credit card

I received notification today  XX/XX/2024 that Snychrony Bank  lowered my credit limit from {$6000.00} to {$810.00} on my CareCredit XXXXXXXX. I paid {$1900.00} to them on XX/XX/2024 & paid off the majority of my existing card balances on my other credit cards. They now have caused my Carecredit card to be almost at the max limit, ruining my usage limit on my credit report! I have never missed a payment nor was there any reason to do this! They used the excuse that there were too many high balances on my cards, which is no longer true. I feel that they used the limit they did as a punishment to almost make the card max out because I paid off my balances on other cards with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX I had a Chapter XXXX bankruptcy discharged. Since then my mortgage loan has been transfered a few times. When it was serviced by XXXX XXXX XXXX we were involved in a home loan modification to make a commitment to stay in our home and get current on our mortgage. The modification was approved XX/XX/XXXX. The modification re-financial structure constitutes in writing documentation that we are affirming our commitment to repayment of the mortgage.
The reason for this complaint is to make XXXX aware of the non-reporting to the credit bureaus for the past 15 months of all our timely mortgage payments.
After speaking to the Bankruptcy department division from XXXX who has recently changed their name to XXXX XXXX, I was told that I would have to re-open the bankruptcy and file a re-affirmation agreement and that I would not be given any retroactive payment history to the credit bureaus.
I feel that my rights as a consumer and home owner have been severely effected by an error on XXXX XXXX now XXXX XXXX Both myself and my husbands credit scores would have had an impactful positive reflection if there would have been reporting of our timely mortgage payments.
Product: Checking or savings account

On XXXX XXXX I received a phone call customer service number from chase saying my debit card was being compromised. Then they text me a link from chase and the person went into my account and did 3 wire transfers and me as a customer that same.day i.notify chase fraud department and went into a branch. XXXXhase refuse to.denied my claim and did not help.me.with this claim.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX GA XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX  XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXXL ; XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$8700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.