23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Repeated calls from ( XXXX ) XXXX saying if I dont call they will send a legal summons to my home or place of employment on Friday. They call every day for the past month but never received any legal summons or any kind of paperwork stating what issue is even about. Had my attorney try to contact them and they wont answer the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

A  few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items .
Product: Debt collection

The company McCarthy , Burgess and wolff, claim that they have tried calling me about this situation, however i have NEVER received communication from them until now, in which there threats for me to pay a debt unknown by me. I have never owned a “XXXX” phone or have done any business with XXXX, also, XXXX XXXX XXXX  is not associated with me and i have no knowledge of this whole situation. Attached is the first and only correspondence I received from MB&W. I ask the cfpb to assist me with this matter.
Product: Checking or savings account

It was fraudulent XXXX transactions and a personal loan that has been cleared. The XXXX transactions have been appealed twice. Everything done was through Citibank. This started on XX/XX/23 with a phone call from CITIBANKONLINE ( XXXX ) saying my debit card was compromised at a XXXX gas station. They explained to me when I purchased gas and how much. From there someone tried to use my card down in XXXX XXXX, Florida at an Office Depot for {$2500.00}. Citibank told me they would be sending me a new debit card the next day. They said they would call me the next day which was XX/XX/23. That day I was told someone opened a personal loan account for XXXX and it was in my account and had to be removed. They used me to XXXX money to different accounts and took all money out of my checking account. On Friday XX/XX/23 my checking account balance was {$13000.00}. It was dissolved down to XXXX XXXX Everything done was through Citibank. They cleared the XXXX XXXX loan but the XXXX transactions have been denied. I have all the reference XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MERIT FINANCE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Place a hard inquiry on my credit without my permission
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Removed FTC violations then put it back on FTC violations law does not permit that with out notify me me 5 biz days Experian
Product: Debt collection

Mother passed away XX/XX/XXXX, Father assumed mortgage on home. He passed away XX/XX/XXXX, and his left his friend in the home. I was just made aware the house was still in my mothers name alone, and the person living in the house was not making payments. The house is up for foreclosure and I have tried to contact the mortgage company and they refuse to talk with me even though my brother and me are the only heirs to her estate. An estate was not open XX/XX/XXXX on her due to the fact our father was still alive. I 'm trying to get belonging out of the home and possible save it from foreclosure if they would talk with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had contacted many times XXXX  XXXX XXXX XXXX to remove 2 Hard Inquiries made on - XX/XX/2018 -XX/XX/2018 i had contacted XXXX Creditor how has Run my Credit with Unauthorized and i got t proof from creditorto remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago wirh no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry -XXXX Inquiry from XX/XX/2018 -XXXX Inquiry from XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan yesterday and was told a delinquent account with XXXX existed which dropped my score from XXXX to XXXX! The lender says all 3 bureaus ( XXXX, Transunion and XXXX ) have the delinquent account listed. I have never opened an account with XXXX. I called XXXX in XX/XX/2022 and the rep stated they didn't have me as an accountholder at all. After that call, I contacted Transunion to dispute the account and it was removed. Then in XX/XX/2022 I reviewed my credit file and it appeared again. I'm a retired XXXX veteran and senior with a fixed income who takes pride in my credit rating and should not have to continue to call and email to remove this erroneous account which is negatively impacted me. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies did not correct my score to where it should have been up in XXXX of XXXX, even though the letter I had sent stated that the school loans was all discharged as far back as XX/XX/XXXX. Also Equifax took my credit score down another 55 points after the results from my dispute with CFPB. I have notice that they went up 55 points and then they went back down 55 points. This needs to be investigated to see why this is happening, and why my scores don't reflect the discharge letter that I sent in to show how far this corrections should have been completed.
Product: Credit card or prepaid card

My Quicksilver Capital One card has been suspended due to an address change that I submitted. They asked me to submit my social security card, proof of address, and license. I do not have my social security card and I sent them tax documents and the other requested items. I was told that was not sufficient, they needed the signed social security card to unlock my account. I am not going to send them the signed social security card. I have told them it was me who made the change and even provided evidence of the new address that matches the update in the system that is causing this problem. They pretty much told me too bad- and they wont even let me cash in my rewards points to bring my balance down. I rightfully earned those points and want to use them to lower my balance so I can then pay off the card and never deal with Capital One again. They should not be able to hold those funds that I earned - I have verified myself on the phone through multiple questions, provided documentation, and Capital One will not let me redeem them. I am not asking for cash - I am simply asking to use the rewards I earned to pay my balance down. This is unfair and they should not be able to hold my funds.
Product: Credit card

Citibank MasterCard open a new credit card without my authorization and charge me XXXX. I did not authorize the card, activate the card, nor use the card. They refuse to refund me XXXX.
Product: Student loan

I have tried to work with Sallie Mae, I fell very sick in Fall of XXXX. Continued to decline in XXXX of XXXX and began receiving treatment at XXXX XXXX. I was still in school trying to attend my classes virtually all while dealing with my sickness. Prior to XXXX I was a healthy college athlete on an XXXX and XXXX XXXX at my university. In XXXX of XXXX my care was transferred from XXXX XXXX XXXX XXXX XXXX, whom I am currently under their care. I am still in and out of the hospital every month, trying to get better. I have called Sallie Mae several times, in which they told me the only thing they can do is put me in a repayment plan of {$350.00} a month. I am not working, my parents are covering my extreme medical bills, and I can not afford this! I explained that to them, as well as my mother. She even told them if they could do {$100.00} a month, she would try to find a way to pay that despite all of my medical bills that they are paying for me. I am going back to college in Fall of this year. I did not lose my XXXX or XXXX XXXX. Sallie Mae did not want to work with me. I explained my financial situation along with the fact that I am going back in the fall, coupled with the fact I am not losing my scholarships either. They told there is no way they can help me despite my current medical situation other than paying the large sum of {$350.00} a month. This is discriminatory as I can't help my medical situation, but if I die the debt is no longer there.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Experian Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Basis : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer report.

( 1 ) In general. A consumer reporting agency may not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than seven years.

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after seven years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have express my concerns to the different credit bureau agencies that my name is reporting incorrect. I have asked them to delete this information. I have submitted proof of this matter. The credit bureaus agencies are violating the FCRA by adding inaccurate and false information o n my report, that has led to denied loans, and a bad history. these issue has prevent me to better opportunities.
Product: Debt collection

Threatened to call my job abd tell them i was a criminal abd to have my XXXX check shut off if i did n't pay
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. 


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 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 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

After reviewing Consumer laws I have found out that in accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education 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 an account without my written instructions. 15 U.S.C 1681 ( a ) ( 5 ) Sectio
n 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 on 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 accurate. 
These inaccuracies are stopping me from obtaining credit for my family.
Product: Credit card

I am submitting this complaint againts Citigroup Inc. ( Citibank N.A ). I applied to a XXXX Citi Bank credit card for a balance transfer. I transfered an amount of {$2700.00} from a XXXX XXXX XXXX account ending on XXXX. After noticing that my XXXX account balance didn't go down to {$0.00}. I contacted XXXX on XX/XX/XXXX and they adviced me there was no request for any balance transfer. I called Citibank on XX/XX/XXXX right after XXXX. They told me the transaction had been completed. I told them my other balance never went down to zero. After speaking to multiple representatives. They told me that the card I tried to transfer doesn't match to the card they wired money to. Multiple representatives told me they transfer money to a card ending on XXXX, when my credit card ends on XXXX. My transaction initiated on XX/XX/XXXX and was completed on XX/XX/XXXX but my balance appear online after XX/XX/XXXX. They simply said " Yes it might take some time '' which is outrageous since my request started on XXXX and was supposed to be completed mid XXXX, they basically made me aware of my balance after XXXX. They told me the money they transfer money to also belongs to another XXXX XXXX XXXX account. I've been contacting this agency multiple times on XX/XX/XXXX, XXXX, and XXXX. On XX/XX/XXXX I had a representative by the name of XXXX who hung up on me after asking the status of my balance transfer dispute. Then I called again and made contact with XXXX who told me the investigation might take over 30 days. It was confirmed on previous multiple calls that the transfer was a representative error but they still haven't resolved my inquiry nor reinbursed my account back to zero balance. I also have prove about the representatives mentioning it was an error on their behalf. I talked to XXXX again on XX/XX/XXXX and he confirmed once again the transfer was made in error due to their representative. As a resolution, I want them to make my balance zero and reinburse my money for any payments I've made so far, so I can process the correct balance transfer.
Product: Credit card

Bank of America refused to correct their multiple errors. This is for a Visa card. 

BoA deducted close to {$5000.00} from my checking account and has refused to return it. At the time ( XX/XX/XXXX ) I spoke with XXXX customer service reps who insisted their mistake was corrected and the money would be returned. I was provided {$5.00} at my insistence to cover interest for what could be a couple of days. 

This withdrawal was due to a customer service error. A few weeks prior I had obtained a balance transfer on this credit card. I changed the automatic payment from pay full statement balance to pay minimum payment due. There were a few leftover charges and one recurring payment. I updated everything online. Two days before the payment due date/auto payment, I called to make sure everything was OK. I spoke with someone to make sure everything was OK. 

Two days later the full, new balance transfer was removed and my checking account was in the whole. I was charged a fee for the balance transfer. 

Now, 5 days and 3 business days later the money still has not been returned. Seven ( 7!! ) calls to BoA, including talks with several " managers '' today have failed to resolve the problem at all -- I mean, there is no hint as to a course of action to take.
Product: Debt collection

Multiple phone calls a day from multiple XXXX before/during/after business hours to collect debts too old to be pursuing- I believe these had previously been removed from my credit report and they bought them and re-reported. I have advised them several times to stop contacting me as these debts are too old and can not be collected.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against your organization for the persistent failures to remove the inaccuracies related to my name, address, collection accounts, and inquiries on my credit report. Despite numerous attempts to address and rectify these errors, my credit report continues to contain information that is materially inaccurate, causing significant harm to my financial standing and personal privacy. 

I have followed the dispute resolution procedures as outlined by your agency diligently, providing extensive documentation and evidence supporting my claims of inaccuracies in my personal information, collection accounts, and inquiries. However, your organization 's repeated failures to correct these issues are inflicting substantial harm on my creditworthiness, financial stability, and personal data privacy. 

It is crucial to emphasize that the Fair Credit Reporting Act ( FCRA ) places a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, such as yours, are mandated to conduct thorough investigations and make necessary corrections when inaccuracies are identified. 

Despite my unwavering efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the inaccurate personal information, collection accounts, and inquiries on my credit report : Difficulty obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Substantial harm to my creditworthiness and financial opportunities. 
Invasion of my personal data privacy. 
I hereby formally request that your organization takes immediate and resolute action to investigate and remove the inaccuracies associated with my name, address, collection accounts, and inquiries on my credit report. If it is determined that these items are indeed inaccurate or incomplete, I insist on the following actions : Prompt removal of my credit report to accurately reflect my personal information, including my name and address. 
Removal of any collection accounts that are inaccurately reported. 
Removal of the inquiries to accurately reflect the true nature and source of each inquiry. 

Provision of written confirmation of the removal and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other pertinent materials. I trust that this information will expedite your investigation and lead to the swift resolution of these issues. Kindly assist me to remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX.
Product: Credit reporting or other personal consumer reports

I am not recognizing many inquiries in my credits record. I am not authorized make this inquires. 
I need remove these please XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : WELLS FARGO DEALER SVC XXXX
Product: Debt collection

I have had this debt already removed by XXXX different agencies. They investigated and stated it was not my debt. However XXXX still has this debt on my credit report.
Product: Checking or savings account

On XX/XX/year>, almost exactly a year ago, a transaction of {$1300.00} was made using my Chime debit card at XXXX XXXX. I decided to return the product on XX/XX/year>. I have included the same original receipts of the purchase and the return that I sent to chime dispute center on the day of when I disputed on XX/XX/year>. Attached is more than enough evidence to prove there was an error made and I never received my refund due to the fault of chime. Attached you can see evidence of even the digital receipt copy sent officially by XXXX XXXX through email and chatting with the company XXXX XXXX and the representative working for XXXX XXXX claiming they approved and sent the refund, and that it would take 3-5 business days. This was an in person transaction made with the chime debit card, so when 3-5 business days went by I knew something was wrong and initiated the dispute with chime. All chime did was lie and claim they would investigate but had me wait 45 days just to deny me. Then I also put in a rebuttle and they still denied that after another 30-45 days. I now put in another rebuttle but It's been too long and I will no longer wait for my MONEY! This is plain ridiculous and garbage customer service aswell as illegal.
Product: Credit reporting or other personal consumer reports

I submitted a dispute for the child support accounts to be removed off my credit report to all 3 credit bureaus ; Equifax, XXXX, and XXXX. 

The Accounts are unlawful & Fraud. I did not open any account, or enter into any agreement with the Child Support Agency, nor did the debt start from a " CREDIT TRANSACTION ''. I do not have any loans with Child support & Ive requested all accounts be removed.. 

I disputed these accounts on XX/XX/2024. 

The bureaus didnt do anything but claim to Update my report but the Child Support Accounts still show.