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

On the date of XXXX, Citibank suddenly closed all my credit cards without any warning or notice. When I called, the agent refused to reopen the account or disclose any related information. This is very arrogant as a general credit card issuer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I was living in XXXX, Texas and purchased a car in XXXX XXXX and TD bank had it picked up about some years ago. and it's been XXXX and no longer on my credit report .Probably been resold., I haven't had this car in years. This was surprising. An now in XXXX someone saying garnishment of wage notice. So I asked how I could stop the garnishment The person said contact the creditor but it is no longer on the credit report. for me to contact. This seems like robbery.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was paid off XX/XX/year>. They are reporting me 30 days late for XXXX ( not late and paid off ) and XXXX with Trans union ( XXXX ) and XXXX ( XXXX ) I can not be late in XXXX as I paid it off before Due date and in XXXX there was a XXXX balance. XXXX statement came out on XX/XX/XXXX and was paid off XX/XX/XXXX, so can not be late for XXXX. I would like this rectified immediately with the credit bureau's.I keep trying to have them fix it but they just say they are correct ( which clearly they are not ) and refuse to correct their erroneous information ( which they are legally liable to do ) which is affecting my ability to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am writing this due to non-compliance with the Experian.They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card or prepaid card

Seems that Discover Bank is at it again, I received a letter from XXXX XXXX, XXXX claming that I owe XXXX XXXX $ XXXX I have never had a card from them. 
Seems that the money was transferred to a discover bank account!!!
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Credit Information Pursuant to 15 U.S.C. 1681 and 1681i items on my credit report that I believe are inaccurate, incomplete, and not verifiable, as allowed by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 and 1681i. The following accounts are the subject of my dispute : XXXXXXXX XXXX Account # XXXX has violated my rights XXXX account # XXXX has violated my rights XXXX XXXX XXXX account # XXXX has violated my rights I am disputing these items on the grounds of violations of several sections of the FCRA, including but not limited to : 15 U.S.C. 1681 Section 602 ( a ) - Requirement of Accuracy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Permissible Purposes of Consumer Reports.15 U.S.C . 1681c ( a ) ( 5 ) - Information Not to Be Included in Consumer Reports. 15 U.S.C. 1681e-2 ( a ) ( 1 ) - Duties of Furnishers of Information to Consumer Reporting Agencies . 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) - Responsibilities of Furnishers of Information to Consumer Reporting Agencies .

15 U.S.C. 1681i ( 5 ) - Procedures for Disputed Information. I request that you investigate these disputed items and correct any inaccuracies, discrepancies, or incomplete information in accordance with the FCRA. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into the disputed information within 30 days of receiving this dispute letter. Please provide me with a written response detailing the results of your investigation, including any corrections made to my credit report. If you are unable to verify the accuracy of the disputed items, I request that you remove them from my credit report in accordance with the law. Failure to comply with the FCRA and address this dispute within the specified time frame may result in legal action. I trust that XXXX, XXXX, EQUIFAX will handle this matter promptly and in accordance with federal law.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

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

On XXXX sent off a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of being ignored of my disputes. Section 611 ( a ), it is a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me.

The Credit Bureaus also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) The Credit Bureaus are suppose to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX Bankruptcy : XXXX, XXXX XXXX Bankruptcy : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Dear Consumer Financial Protection Bureau, On XX/XX/2022, I sent a debt verification letter to Credit Consulting Services , Inc., about my alleged medical debt ( of {$340.00} with monthly interest ), and I have yet to receive a detailed letter, verifying my person and justifying the expenses, as of XX/XX/2022. If you can look into this case, that would be greatly appreciated. If not, I will have to go to the courts. Thank you.
Product: Debt collection

The matter involves a third party debt collector, Transworld Systems XXXX XXXX ( Transworld ), and its agent XXXX XXXX XXXX XXXX ), that have together issued a notice dated XX/XX/XXXX ( Appendix p. XXXX ) which falsely alleges a debt from XXXX XXXX, complainant, to XXXX creditor, in the sum of {$460.00} ( Appendix p. XXXX ). 
The underlying issue involves an alleged failure to return equipment to XXXX ( Appendix pp. XXXX XXXX ), XXXX claim for damages because the equipment was not returned and XXXX refusal to recognize that all equipment was in fact returned, timely on XX/XX/XXXX, as acknowledged in writing by XXXX ( Appendix p. XXXX ). 
Prior to this case, XXXX third party debt XXXX have contacted the complainant and made the identical demand : XXXX. XXXX XXXX XXXX XXXX by notice dated XX/XX/XXXX ( Appendix pp. XXXX, XXXX ) ; and XXXX. XXXX XXXX XXXX XXXX XXXX by notice dated XX/XX/XXXX ( Appendix pp. XXXX, XXXX ). 
A complaint was filed with the CFPB against XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Appendix p. XXXX ). 
It would appear evident that Transworld and XXXX have served a frivolous notice without having any good faith basis to support the allegations being made ( Appendix p. XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Following passage of the CARES ACT my Federal Student loans were placed into forbearance. Prior to the forbearance my loans were completely up to date with no late or missing payments ever reflected on my credit reports ( Including Equifax ). After my loans were placed into forbearance Equifax proceeded to DROP MY CREDIT SCORE BY 55 POINTS! The purpose of the Act is to provide mandatory forbearance without it reflecting a late payment or non payment or impact a credit score. 

I contacted Equifax and started a dispute. Equifax closed the dispute by reflecting that my loans were in forbearance as a result of a natural disaster however they have not corrected their improper drop of my credit score. Equifax is the only credit agency that has lowered my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only name is XXXX XXXX. Please remove any and all other names reported. 
My only address is XXXX  XXXX XXXX. Please remove any and all other addresses reported.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence of furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence Inprovided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi My name is XXXX XXXX with XXXX # XXXX. I am just writing to ask XXXX going on with your investigation, I wrote you the dispute letter over a month ago but I havent heard anything frm you. I hear you were required by the Government to respond to my request but I dont undestand why i feel like my letter was being ignored. i'm seeking all the help that I can to get these errors straightened out as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

You probably already have a huge steaming pile of complaints regarding the Equifax breach. That incident alone is complaint-worthy, but my particular complaint might ring a different tune.
The site they offer to check if you 've been " impacted '' ( https : //www.equifaxsecurity2017.com/potential-impact/ ) is deceptive. If you are determined to be affected you 'll see a display like the following : " Based on the information provided, we believe that your personal information may have been impacted by this incident.
Click the button below to continue your enrollment in TrustedID Premier.
[ Enroll ] '' For starters, you ca n't even enroll right away, and are forced to return to the site at a later date that they provide. Rampant identity theft can begin NOW, and we ( impacted consumers ) need the protection NOW. Doing anything after the theft has occurred is already a worst-case scenario.
My expectations were : a ) An option to freeze the credit report right away. ( This is by far the MOST important thing. ) b ) Voluntary outreach to all affected customers by postal mail.
c ) An offer for FREE identity protection services, available immediately.
d ) An honest description of what exactly might have been leaked - a worst case estimate if they truly do not know.
Equifax is clearly failing on all four counts, beyond also completely failing in IT security. As I read it, they can not even assess the extent of the damage because the controls were so faulty.
What 's worse, after reading into what TrustedID Premier actually is, this is a PAID service that they appear to intend to use to wring more money out of unsuspecting consumers! This is outrageous behavior and needs to be curtailed! The message to enroll for TrustedID is an up-sell, not a path to restitution.
I never once chose to be involved with this company, and it is incredibly unfair that I am now exposed to significant harm because of their negligence. That they have the nerve to then attempt to up-sell me amidst this major failure is reprehensible.
Product: Vehicle loan or lease

Applied for an Auto Loan through XXXX of XXXX, Arkansas. I had excellent XXXX credit at the time, income, down payment etc.not an issue. XXXX of XXXX had me fill out a credit application on an XXXX XXXX form. Later in the process I am told the financing was sold to Fifth Third bank. 

I never received an payment booklet or statement from Fifth Third bank. I had no idea when the first payment was due, the amount of the payment, or the account number. All I knew from XXXX of XXXX was Fifth Third was going to take over the loan.

After not receiving anything from Fifth Third, My husband and I tried to call them to find out how to make a payment, who to make it to. Each call was a multi-hour experience that ended with us speaking to someone overseas who was little or no help. By the time we finally got someone who could help, they said the loan was in collection, and I now had to speak with someone in the collection department. We finally got the opportunity to make a payment over the phone to bring the account current. 

I still have yet to receive any mail, bill, statement, email, phone call or text message from Fifth Third bank. 

I shortly have another payment due and no idea how to make the payment without calling them for yet another multi-hour phone experience. If this " abuse by neglect '' practice is how they treat customers with excellent credit and income, I shudder to think how they treat consumer with less-than-perfect credit. 

As a result of Fifth Third Bank 's lack of contact I now have a black mark on my credit which I have spent years maintaining at a high level.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Child support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2020, I called credit conditions acting on behalf of XXXX the credit company at XXXX and spoke with XXXX XXXX and settle the amount which was originally {$1300.00} to an offer presented to me for settlement at {$610.00}. I paid in full {$610.00} with the agreement that the account will be closed and all three major bureaus will be notified to {$0.00}. I later got a letter stating the account is settled. However, all three bureaus still shows I owe a balance of {$740.00}. I keep getting calls from this company stating that I still owe them. I contacted XXXX 's and was told my balance is {$0.00}, but I don't know why I keep getting these calls. I want all 3 bureaus notified to {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : THese accounts do not belong to my, and needs to be remove from my credit, I have been victim of identity theft due to pass and recent data breaches my information had been expoused resulting in this fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX and to all 3 credit agencies. XXXX removed the account but Equifax and XXXX is still reporting false information of a debt that do not belong to me. This debt was created as a result of identity theft. I have submitted to them identity theft forms and they still have not remove this account from my credit profile. I would like your help in getting this matter resolved. Please fine this company or have them remove this account from my credit file.
Product: Mortgage

I sent my remittance coupon payments to Union Bank for XX/XX/2022 and XX/XX/2022 and both times they have rejected my payments and have transferred my mortgage into default. I sent them all the attached.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

An auto loan of {$17000.00} was taken out on a used vehicle. 
The vehicle was a total loss on XXXX/XXXX/16 due to a XXXX. 
XXXX/XXXX/16 Ally bank fraudulently quoted XXXX XXXX an outstanding loan balance due of {$25000.00}. 
The same day XXXX XXXX issued a payment to lien of {$25000.00} to Ally bank The outstanding amount was actually {$16000.00} which was credited to the account XXXX to pay off the car in full. 
Ally Bank owes me ( $ XXXX {$16000.00} ) = {$9100.00} since XXXX/XXXX/16 over 30 business days since the loan was paid in full. 
I have spent over 10 hours on the phone with Ally Bank which has as of today XXXX/XXXX/16 has said they have not prrocessed any payment to me. My rental car insurance ran out weeks ago. This is outright fraud on the part of Ally Bank. I have no assurance they will ever pay me the money they owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed on my credit report that I currently have no knowledge of. This was a result of mal practice or an error!
Product: Vehicle loan or lease

I've been attempting to request financial assistance for the past few months with no success. They've reported my loan as past due on my credit report. My car has a safety recall, I have been calling the dealership to request an appointment and no one is returning my calls.