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

Called multiple times to dispute ID theft, credit card theft etc. Sent information to all credit card companies, tried calling multiple times, Over the past several years-nothing resolved or looked into ; I either had a person that was not able to speak English, transferred multiple times, Companies unwilling to look into theft, despite certified letters sent, surgeries I had that were requested, sent all information via mail, and again multiple phone calls. Told by representatives nothing could be done, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citibank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Citibank 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  never applied XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my Equifax report to see that I have suffered a 220 point decrease in score because the following accounts have been removed from my credit report due to missing addresses and incorrect information being listed on the account. 

MAJR FINANCIAL CORPORATION - Revolving Account XXXX/LOCAL GOVERNMENT - Revolving Account XXXX  - Revolving Account XXXX  - Installment Loan The following addresses are listed on my report but DO NOT have any personal linkage to my credit history and any of the missing accounts as listed above, these addresses should be removed promptly. 


XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX The ONLY two addresses that are tied to my hard work and diligence of on-time payment history and excellent reporting of positive credit behaviors which are indeed tied to the credit accounts listed above are : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This radical change is due to a recent discovery and result of report inaccuracies on my behalf which I have effectively disputed through the proper channels directly with each bureau for accuracy, but nothing has been done on my behalf to remedy this problem.
Product: Credit reporting or other personal consumer reports

After receiving an emailed alert from XXXX regarding negative information reported in my credit report, further investigation revealed that a so called lending institution listed me as delinquent in repaying a personal loan showing my name as a co-signer. 
I contacted the company and after having their legal dept return my call i was informed that they obtained my consent and signature by electronic means and NOT by personal contact OR appearance. 

since the loan was defaulted they have since sent me correspondence regarding this debt. 

I want to report this institution for unethical practices, fraudulently using my name to extend a loan without my consent or agreement to cosign such loan. 
GREENSKY XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

After careful examination of my financial records, I have discovered that a debt, which was previously reported by XXXX Department of Education Servicer has been forgiven. In accordance with the provisions of House Joint Resolution 192 ( HJR 192 ) passed in XX/XX/1933, I am seeking properly dispute on my credit file. 

Experian Credit Reporting Agency is reporting my student loan as having " no data for this period, '' while the loan has been forgiven. 
Experian has indicated that the debt has been verified and reported as accurate on my credit file. 
In accordance with House Joint Resolution 192 Policy, all debts have been paid in full, including the student loan that has been forgiven. 
The reporting of " no data for this period '' is causing confusion and adversely affecting my creditworthiness. 
The conflicting reporting of the student loan status is damaging my credit profile, and I request the immediate correction of this information on my credit file
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau I am writing to bring to your attention an erroneous late payment entry on my credit report, which I believe to be a violation of my rights as a consumer. As per the Fair Credit Reporting Act ( FCRA ), it is crucial that accurate and fair information is reported by credit bureaus. 

I have recently reviewed my credit report and discovered XXXX Charge of account records from XXXX However, I firmly believe that this CHARGE OFF entry is incorrect and should not be associated with my credit history. 

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. 

Acct XXXX : XXXX Acct # XXXX Acct XXXX : XXXX Acct # 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.

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 XXXX 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. 

I kindly request that you conduct a thorough investigation into this matter and rectify the erroneous late payment entry on my credit report as soon as possible. Under the FCRA, I am aware that each violation may result in a penalty of {$1000.00}, and I expect appropriate action to be taken to address this violation. 

Enclosed with this letter, please find copies of relevant documents including payment receipts and statements that support my claim of timely payments. I urge you to consider this evidence during your investigation. 

I expect timely resolution of this dispute and a written response within XXXX days as mandated under the FCRA. Additionally, I request that you provide me with an updated copy of my credit report reflecting the removal of the inaccurate late payment entry. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and in accordance with the law.
Product: Bank account or service

I opened a Citi Gold Checking account in XXXX, XXXX. The account was opened using a promotional offer that Citi had, which provided a bonus of XXXX Thank You Points ( worth approximately {$500.00} ) once the following conditions were met : 2 bill payments in 2 separate months within 2 months of opening the account. 

I opened the account, and verified ( via Secure Message ) with Citi that my account was opened using the promotional code, and that I had met the requirements of the bonus. I was told ( in accordance with the promotional terms ) that the bonus points will post within XXXX statements of completing the requirements ( which would have been XXXX, XXXX ). 

It is now XX/XX/XXXX, and I have paid {$90.00} in monthly fees to Citi, and Citi has not upheld its side of the promotion. Citi now claims that I was never eligible for the promotion, and requiring that I provide proof ( which was a postcard mailed more than 6 months ago ). I specifically confirmed that I was eligible for the promotion via secure message, and as such do not keep promotional mail offers for 6 months. 

Citi customer service representatives have been unprofessional and uninformative when trying to resolve this issue. Their CSR is incapable of making any changes and implementing any resolutions, other than pointing the finger at different departments. 

My husband has an identical complaint, and has filed a CFPB complaint as well. From searching the internet, there are hundreds of people which Citi is not upholding their terms of the promotion, while still charging monthly service fees for not providing any " service '' other than ripping off their customers.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccuracies and inconsistencies present in the reporting of the XXXX XXXX account ( # XXXX ) on my credit report. Upon careful review of my credit file, I have identified several Metro 2 compliance violations that require immediate rectification. 
Identified Metro 2 Noncompliance Violations : 1. Incomplete Data Reporting : XXXX XXXX has omitted critical data fields such as balance, account status, payment frequency, and other required information. These omissions are in direct violation of the Metro 2 format and 15 U.S.C. 1681e ( b ), which mandates accurate and complete reporting. 
2. Inconsistent Reporting Across Bureaus : o Equifax reports the account status as " Negative, '' while XXXX reports it as " Positive. '' XXXX has failed to provide any status. This inconsistency is a violation of the FCRA and Metro 2 standards for uniformity in credit reporting. 
3. Incorrect Account Status : o Equifax reports a balance of {$2200.00}, which is missing from XXXX. This discrepancy fails to reflect accurate information and violates 15 U.S.C.

1681e ( b ). 
4. Missing Payment Status : o XXXX has not provided any payment status, creating an incomplete and misleading representation of the account. 
5. Omission of " Date of Last Activity '' and " Date Reported '' : o XXXX has failed to include these crucial dates, violating Metro 2 guidelines and impacting the proper aging of the account for statute limitations. 
6. Non-Uniform Creditor Comments : o Equifax includes the comment " Credit card, Amount in H/C column is credit limit, '' which is absent in XXXX and XXXX. This lack of uniformity misrepresents the account details and violates Metro 2 standards.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My Fre

e Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. My IRS tax transcripts, which were obtained and used without proper authorization. These actions violate my rights under FERPA ( 20 U.S.C. 1232g
; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I would like to lodge a complaint with the illogical and ultimately unfair system run by the three major credit monitoring companies. I would like to see a permanent and free system of locking/unlocking required of these companies, and, for there to be a guaranteed level of quality control.

The biggest two problems are with XXXX  and Equifax. Putting aside the massive data breach that Equifax is responsible for I find their current systems to be an undue burden on me, the citizen. I have had multiple attempts to apply for a credit card, thinking it would be a simply process as my credit history is clean and my scores are excellent but the efforts were stymied by the systems these two companies have in place. Specifically- Equifax 's website ( myequifax ) is unreliable and there have been occasions when I try to log in and it rejects me saying I need to contact them to proceed. This occurred two days ago. I gave it another shot today and it worked. Nothing I did was different and the website gave no notice of being serviced- it simply rejected my attempt to log in. 7 months ago I ran into a similar problem and I called their customer service. The first rep put me on hold and then hung up on me. The second rep was able to help me proceed with the freeze but only after I spent a good amount of time on hold and a great deal of energy explaining how it would be an undue burden for me to have to gather all my paperwork and mail it in to them to request my account being unfrozen being that their website guarantees this service and it is their fault the website wasn't working. With XXXX  I have had similar experiences except that their reps have been of no assistance and I am unable to freeze/unfreeze online despite the fact that all my information is correct and I have the original pin number I used to set up my account with them. My only option is to take my time to mail in a request to them, request my credit be unfrozen for a longer window than I am comfortable with, wait for confirmation, and then proceed with the financial transaction I originally intended to do. As XXXX  's IDNotify 's free year trial service ran out for me about 6 months ago I have no better option and am not going to pay them XXXX 's of dollars a year simply to have more control over my information. 

Ultimately I did not choose to have these companies monitor my credit and would prefer they did not have access to my personal information ( hello Equifax data breach! ) but being that I don't envision that changing I would request that you advocate for permanent, reliable, and free credit services for citizens like myself. Thank you for your time.
Product: Payday loan, title loan, or personal loan

2 billing periods in a row they have refused to provide statements. I have called complained opened a XXXX   case and emailed. They are telling me that they are not required to. It's very hard for me the consumer to pay expired statements for a 12 year loan it's critical for me to receive statements.
Product: Checking or savings account

American Express National Bank keeps sending me statements to my apartment address, but they're not addressed to my name. Someone fraudulently opened an account with a first and last name, but used my apartment address. 

American Express refuses to fix this or change the address on the account, because they need the customer to call in, but I don't know who the customer is. 

If this account or person shows up on my credit report because they " share '' an address with me, this is a huge problem, and Amex refuses to address this fraud.
Product: Checking or savings account

I had a checking account with Bank of America, my card and was used and I did n't realize that my account had closed, I did call to report what had happened with the card and nothing was done and I had got hung up on and transferred to different departments with in Bank of America, I had try to explain that I did n't use my card that it was lost but did n't get the help I thought I would, I got told nothing was going to be done and they were very unprofessional and rude, I did n't appreciate how I was treated, this was an issue to be reported but bad customer service with these different departments, I 'm mad and frustrated with this fact and something needs to be done this has been a while but i do know now I can file a complaint with the cfpd, even going into the branch nobody seem to help I like Bank of America but I do not owe them sense I called to try to report the situation and got stuck with a closed account because of their inability to listen or take my complaint serious please resolve this matter or I will file with other agencies on this situation
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the Equifax data breach, and I've discovered unauthorized inquiries. These are not affiliated with me, and I never authorized them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several email communications have taken place along with phone conversations about the incorrect reporting of 2 debts with XXXX ( XXXX XXXX ). The bank has stated in XX/XX/XXXX again in early XX/XX/XXXX to have the error in reporting  corrected. Their incorrect reporting has caused denial in employment. I was assured the errors would be corrected asap.  The incorrect reporting is still in place. The reporting is sporadic and should be reported correctly. 

The below information was supplied to XXXX XXXX several times. 

" XXXX sent a 1099-C in XX/XX/XXXX for all of these items which were discharged. I have disputed the reporting of these items for some time now and none have been corrected. Currently XXXX/XXXX XXXX is in violation of Federal and State of Louisiana Bankruptcy laws. In Louisiana a non filing spouse of a bankruptcy is awarded the benefit of the discharge. 
Federal bankruptcy law 11 U.S.C 524 ( a ) ( 3 ). All of these accounts have been discharged as you can see by the attached. I have attached a copy of a letter which was provided to another creditor who is also reporting incorrectly for your reference '' Debts were discharged in Bankruptcy chapter XXXX XX/XX/XXXX.  All documents have been supplied to the creditor on several occasions. Discharge documents can be supplied again  if needed. 

Copies of bureaus incorrect reporting is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I make a call to these companies because personal information is on my consumer report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802 No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these : 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  that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again. Remove these items as soon as feasible
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND time contacting you about a IDENTITY THEFT issue that was not handled. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report nor to open any accounts. 

I recently went to XXXX 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses and Inquiries below are not mine and were attempted to open and also opened up fraudulently. Please delete them from my credit report Permanently!! 

Inquiries- 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 XXXXXX/XX/XXXX Attached are screenshots of the accounts I stated that are not mines and also documents from my recent XXXX Breach. Also are screenshots of each account twice so that there is no mistake this time with the name or company.
Product: Credit reporting or other personal consumer reports

Dear Manager of XXXX  XXXX XXXX, I hope this message finds you well. I am writing to address an ongoing issue regarding my account with XXXX  XXXX XXXX, which has been a source of concern since XX/XX/. On that date, I took the initiative to settle my account by making a payment of {$800.00}, as per the guidance provided by your representatives. At the time, they assured me that within 30-45 days, the remaining balance would be removed from my credit report. 

Regrettably, despite my diligent efforts to resolve this matter, I have encountered significant challenges in achieving a resolution. It has come to my attention that XXXX has already removed the disputed account from my credit report as per our agreement. However, the other major credit reporting agencies have failed to update their records, continuing to report an inaccurate balance of {$1800.00}. This discrepancy is both perplexing and concerning. 

I am fully aware of my rights as a consumer, including the right to dispute inaccuracies directly with the creditor. In pursuit of a resolution, I have made numerous requests for documentation over the past few months, but unfortunately, these requests have gone unanswered. To clarify, when I settled the account, the outstanding balance stood at {$2200.00}, and I promptly paid {$800.00} as agreed upon. 

It is crucial to emphasize that the current situation represents a direct violation of my consumer rights. I hereby demand an immediate and unequivocal deletion of this erroneous account from my credit report. I believe this is a fair and just request given the circumstances surrounding our prior agreement. 

I kindly request your prompt attention to this matter, as it is negatively affecting my financial standing. I am hopeful that we can swiftly resolve this issue and rectify the inaccuracies on my credit report, thereby upholding the integrity of my financial history. 

Thank you for your immediate attention to this matter.
Product: Debt collection

A Frontline asset strategies damaged my credit by sending someone else 's debt into my account. 
I have received a letter from them, they used my first name, and someone else 's LAST NAME, saying I owe them for a XXXX bill!!!! I have disputed it with this frontline company and they said this is MY DEBT, but refused to show me a proof as I requested. 

I know for a fact I have NOT used any XXXX services within past 10 years, and I do not owe any money to XXXX. 

This company just used my first name and put a different last name to it in order to make it look like the debt is mine. 

My credit is damaged now and I am seeking help because they keep calling and sending letters. Please help.