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

There are 147 soft inquires showing on my credit report that are not permissible and where not authorized, experian is constantly changing the information on my credit report such as name, address, credit accounts not reflecting all 48 accounts including refinanced accounts they are just reporting them closed and they are not close, accounts reporting with two statuses to confuse the scoring system as it only scores from any account that has only one status.

Letter of intent mailed XXXX  if report is not corrected complaint will be filed under section 609
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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.

1.Account number XXXX XXXX XXXX XXXX XXXX Open Date opened XX/XX/XXXX Account type Auto Loan {$21000.00} 2.Account number-XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Account type Collection {$580.00} 3.Account number-XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$1100.00} 4.Account numberXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$730.00} 5.Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$490.00} These Addresses Are False And One Doesn't Even Exist XXXX XXXX XXXX XXXX XXXX  ( Doesn't Exist ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

CITIBANK- I made an online payment XXXX from my Bank ( as per normal practice many times ) - date- XXXX XXXX 2017. For some unknown reason Citibank did not apply those funds to my CC statement. YET- it was taken from my bank - I have all the transaction ID 's to show for this. Yes- there were sufficient funds in my bank account.YES they sent me an email confirmation. After NUMEROUS calls and on-line chats- Citi have not explained why the funds were not deposited to my CC nor can they can confirm where said funds are. One call agent advised it has definitely been returned to my bank on the XXXX but it has n't. I am getting conflicting reports on where the XXXX is or why indeed it was not accepted. I make these payments via this online system every month since joining Citi Credit Card.I reported this to XXXX but they insist no money has been returned and the XXXX was paid to Citi via ACH on line payment and i have to fight it out with them. As of today 's date XXXX/XXXX/2017 my last chat online advised ( brief version ) replies with another conflict of information " Citi will tries to pull the funds for the three time from your checking account -we have placed a hold on this payment until it has cleared the bank. We expect the payment to clear and post to your account on XXXX/XXXX/2017 ''. REALLY!! how can they hold my funds in Limbo for over 7 days? and am I to really now wait ti see if it magically appears on the XXXX XXXX. I am somewhat appalled, frustrated and upset with this situation. Any advice would be most appreciated. THANK YOU
Product: Debt collection

XXXX XXXX XXXX ( also known as XXXX per their messages ) has been calling harrassing me for weeks on a debt that is not valid. Claiming that in 2009 I walked into a physical payday store called XXXX XXXX XXXX ( which in my state there is no such thing ) and took out a loan and deposited it into a bank account that I had closed years before 2009. I have received no formal debt validation letter so that I could dispute this. When I asked for a debt validation letter she said they do not send out that information, etc. I explained that this debt is not valid and to stop calling me. She started to threaten that I would be served papers at my place of employment and/or home. I asked for their physical address and formal name of company, she would not provide me with any of that information. They lady would not let me speak, she was extremely rude. Even after requesting the calls to stop, they continue to call my home, cell phone, and work number.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being reported :
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact, therefore exists.
Product: Checking or savings account

On XX/XX/2024 my account was restricted abruptly for no reason, but chase claim fraudulent activity, I ask what fraudulent activity was seen for them to close the account they did not have a answer, upon the. Restricting my account I can not withdraw my funds or anything, they didnt even give me time to set up other financial institutions to receive my direct deposit that is due to come in 7 days, I have bills thats due in 7 days in they telling me I have to wait until they fully close the account and mail me a cashier check, all this with no reason as to why my account is being closed.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604a section 2 it also states the consumer reporting agency can not furnish an account without my written instruction under 15USC 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 or other personal consumer reports

On XX/XX/year> I sent the company certified mail requesting Debt Validation on this collection account showing on my credit report. I have not received any communication from this company since.
Product: Credit card

I have 2 credit cards with Citibank. Both have balances close to the max credit limit due to making balance transfers to take advantage of low interest or zero interest offers. On both cards, I have made large payments to lower my utilization since the cards are hurting my credit score for being maxed out. Each time I make a large payment, my credit line has been reduced so I am still maxed out on both. Most recently, I made a {$3000.00} payment on one yesterday, and received a notification today that my credit limit has decreased by a little over {$3000.00}, so my utilization is still almost 100 %. Citibank only gives the generic answer of " credit is often monitored and adjusted due to risk factors ''. I have never had a late payment with this company and no late payments showing on my credit report.
Product: Debt collection

I was on section XXXX or government housing in 2010 the companys involved will not release the contract or proof how I owe rent. I have tried may times to dispute this and I eveneed tried to settle. The company are unwilling to do anything.
Product: Credit card or prepaid card

I redeemed Chase Sapphire Points to book travel. Due to a family situation, I needed to change my return flight. I received a confirmation from Chase for the new flights. When I attempted to check in with DL, I was told that the reservation had not been made properly and in order to fly home I had to pay {$180.00}. I did so. 

A day after my return on XX/XX/22, I phoned and explained the situation. Sapphire investigated and told me that I would be issued a refund. 

On XX/XX/XXXX, not having received a check, I phoned again ( each of these calls involves waiting on hold to speak to a representative to whom I tell the entire story, then waiting again at length for a supervisor ). I spoke to XXXX XXXX who, after spending more time checking on this matter, said I would be sent a refund check in 3-5 business days. 

On XX/XX/XXXX, I spoke to XXXX and then to XXXX XXXX, a supervisor. He told me, after a long wait, that I would be sent a refund check within XXXX week. 

On XX/XX/XXXX, I spoke to XXXX and then supervisor XXXX, spendiing more than an hour on the phone. I was told that I would get a credit for {$180.00} on my credit card statement in 'one to two months or billing cycles, ' XX/XX/XXXX at the latest. No credit appeared then nor has a credit or check appeared since then. 

On XX/XX/XXXX, I spoke to XXXX and then 'Senior Specialist ' XXXX XXXX XXXX He told me, after long delays on hold, that he would have to investigate this claim and that he would definitely phone me the next day at XXXX. ( These calls allegedly are all recorded by Chase. ) He also gave me a number to call the next day if he did not reach me. He did not call and the number I was given was 'not in service at this time. ' More wasted time. 

That day, XXXX XXXX, I spoke to XXXX and then to supervsior XXXX, who claimed to be 'at the highest point, ' and would research this and call me back in a few days or a week at the latest. It is now XX/XX/XXXX and I have no calls and no refund. 

Would you please help me?? The Trip ID is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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: Money transfer, virtual currency, or money service

At XXXX XXXX ET on XX/XX/XXXX, I got an email that my XXXX Litecoin ( roughly {$5500.00} at that time ) from XXXX has been deposited successfully into Coinbase. Right after that, I got onto Coinbase to sell my Litecoin. However, the limit sell order I made did not go through, and instead was in a " pending '' state for over 20 minutes. After that, it was reverted back into an " Open '' state, which obviously meant that it did n't go through. I then tried to cancel that order, and that was when I got restricted. Not only could I not sell out my currency to USD, I 've also been locked out of my account. I 've sent in numerous support tickets and also called their customer support line ( 2 hour hold ), but no one gave me any reasonable response, and my money is still held hostage.
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on JPMCB - HOME LENDING XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Credit card

Macys customer department is garbage. I have received XXXX reference letters to unrestrict my card and now want to tell me to wait for more. This is XXXX
Product: Debt or credit management

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time.

.This/These ] item ( s ) [ identify item ( s ) disputed by name of the source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ] [ is/are ] [ inaccurate or incomplete ] because [ describe what is inaccurate or incomplete about each item, and why ]. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed,
I am requesting that the item ( s ) be removed to correct the information. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX : XXXX XXXX of XXXX : XXXX Contact : Not Available XXXX. XXXX : XXXX XXXX of XXXX : XXXX Contact : Not Available XXXX. XXXX : XXXX XXXX of XXXX : XXXX Contact : Not Available XXXX. XXXX : XXXX of XXXX : XXXX Contact : Not Available XXXX. XXXX : XXXX of XXXX : XXXX Contact : Not Available XXXX. XXXX : XXXX XXXX of XXXX : XXXX Contact : Not Available XXXX. XXXX : XXXX of XXXX : XXXX Contact : Not Available
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the following account and inquiries were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your prompt action to remove this information : Fraudulent Account : 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

When I investigated my credit report, I realized that some of the information was erroneous. The Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate these unverifiable items. 
XXXX XXXX XXXX Balance : {$140.00} and XXXX  XXXX XXXX Balance : {$0.00},
Product: Student loan

Mohela keeps you on customer service calls and doesnt answer the phone. I've been on 3 calls waiting for 2-3 hours to only be hung up on. Mohela does not have an email address. I have not received any help with my loans and they are not providing me with any information about my loan payment history or how to add to my payment of my loan
Product: Checking or savings account

I started working at a XXXX XXXX For some reason they restricted my account because they wanted to verify the checks my job gave me. I ask them why does it need to be verified in the first place. They did not even know why it needed to be verified. I talked to my job about it and got all new checks for the job so I am not worried about that anymore. The problem is with XXXX check that they need to verify which is from my landlord back in XXXX which is where I go to college. It was a check for {$400.00}. I called them so I could have them verify it. They said they called my landlord and stated that she did not want to verify the check. When I talked to my landlord over the phone she told them that she made the check for me and that I went to go deposit it. They said she did not share extra details that they needed to know to verify the check ; however, when I talked to my landlord she said they did not ask any other questions. So they are lying to me making it impossible to get the money from the check back. Another problem is that even if I did verify the check from my landlord they said I won't get the money back because they need to verify the other checks from my XXXX XXXX Once they do that they said they will be able to give me the money back. When I tried having them verify the XXXX XXXX they said they called a phone number that is linked to the check and no one responds. When I ask them what phone number are they calling they won't tell me. I told my management at work about this and they also do not know what phone number they are calling. One time they let me give them the phone number to my boss in which they claimed to have called her and they stated that she did not want to verify the check. When I call my boss after, she said that no one from chase called her. I just want my money from the {$400.00} check that was given to me by my landlord, but these people are making it impossible to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act *XXXX XXXX Account : XXXX *XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX Has Violated My Rights. 

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agency.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to dispute an account on my credit report that pertains to XXXX XXXX. The account in question reflects a debt cancellation, for which I was supposed to receive a 1099-C form. However, despite multiple requests, XXXX XXXX has failed to provide me with the necessary documentation. 

Account Details : XXXX Creditor Name : XXXX XXXX  Date of Discharge : XX/XX/XXXX I would like to emphasize that according to IRS regulations, when a debt of {$600.00} or more is cancelled or forgiven, the creditor is required to issue a 1099-C form to the debtor. This form is essential for tax reporting purposes. 

Despite my diligent efforts to obtain the 1099-C form from XXXX XXXX, including [ briefly describe any attempts made to obtain the form, such as phone calls, emails, etc. ], they have failed to provide me with the necessary documentation. 

As a result, I kindly request that you investigate this matter and take appropriate action to either remove the disputed account from my credit report or update it to reflect the accurate status, considering the lack of documentation provided by XXXX XXXX. 

Please find enclosed copies of [ list any supporting documents you are providing, such as copies of correspondence with the lender or proof of your attempts to obtain the 1099-C form. 

I appreciate your prompt attention to this matter and request that you inform me of the results of your investigation as soon as possible. 

Attach you will see the proof when I request the document through CFPB the last year On XX/XX/XXXX Thank you for your assistance in resolving this dispute. 

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

There are several address ' listed for me that I never lived at. One of them is actually someone that hacked into my account and committed fraud. The other address ' either belonged to my ex-boyfriend, my ex-husband or my brother, but I never lived there : XXXX XXXX XXXX, # XXXX, XXXX, TX XXXX ( my ex-husband lived there ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( my brother lived here ) XXXX XXXX XXXX XXXX, TX XXXX ( this was my ex-boyfriends. I never lived there ) XXXX XXXX XXXX XXXX, TX XXXX ( again this is my ex-boyfriends house. I never lived there ) XXXX XXXX XXXX XXXX, TX XXXX ( this was my brother 's apt ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( this was the person that hacked into my accounts and committed fraud ). I filed a fraud report )
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE LATE PAYMENTS FROM XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

Citibank is closing my Checkings account because they said another bank put a remark on XXXX. I called XXXX and they told me there were no negative remarks and that everything has been resolved.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made mythe company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in month to be remove. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

A few years ago I had my identity stolen. Multiple lines of credits were made, and one was with XXXX XXXX. I called XXXX XXXX to tell them that this was not mine and we went through several steps and XXXX XXXX assured me that it was taken care of and I would not be charged for whatever was financed. THEN, after years of not hearing from them after the told me the took care of the debt, I get harassed my Midland Credit Management for the same debt. I do not owe this, it was not me that took out the credit. 

I will sue both companies for harassment and furthermore for attorney, legal fees, and mental anguish if this continues. 

The letter from MCM says the account number is XXXX