23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. The inquires below are fraud and should be deleted. 

XXXX inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX. I need my name and the late payments removed from my credit report. Capital One XXXX account the was closed for XXXX XXXX XXXX I am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX aka XXXX XXXX XXXXXXXX are reporting to both my XXXX and Transunion credit reports that this account is charged-off and is closed and past due for more than {$1400.00} dollars in past due payments none of which is true. 

I spoke to the this creditor 's branch office at phone XXXX XXXX XXXX and was advised by XXXX that the account was not charged-off, but 30 days past due. I didn't agree and asked for an itemized statement on XX/XX/2021 which was met with the excuse that she would email her manager to get an itemized statement. I paid the allegded past due payment without proof that the account was past due. 

I contacted XXXX to have the item disputed. They didn't updated to reflect current accurate information that account was not charged-off. 

I contacted XXXX XXXX corporate office referred to the collection department and was advised account was not in collections and was referred back to branch office to resolve this matter. Branch office when contacted said they don't have authority to make corrections to credit report but did agree that account wasn't charged-off or past due.
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/2022. And now we are in the month of XX/XX/2022 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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

On Thursday XX/XX/XXXX, I had contacted Macy 's credit card company to try and take care of a charged off account that I had with them. The rep stated that the account has past statutes of limitations, and that I could attempt to mail a payment in full ; however they couldn't confirm that it would do anything to the balance. I'd like to preface this complaint that I had no intentions of having this account ever go delinquent. We were faced with a really difficult family issue which consumed a good portion of our savings which was tragically followed by a loss of family income. We are trying everything we can to get back on our feet, and I was taken back that the rep had informed me that nothing can be done due to the account being past these statutes. I am concerned that I can not even try to work directly with Macy 's to satisfy the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry s done without my permission several times. By XXXX and universal credit XX/XX/XXXX or XX/XX/XXXX
Product: Credit card or prepaid card

XXXX charged my card for storage payments of {$2.00} per month for several months. I did not realize that they were doing this to a card that was paid off, with a XXXX balance and had no reason to be checking the paperless billing statement. During the month of XX/XX/2023, being ignorant of these non-approved charges for {$2.00}, I did not pay this XXXX charge and Fifth Third Bank recorded the {$2.00} XXXX charge as 30 days late. This got my attention. I paid it first in hopes of getting the charges reversed that were for at least XXXX consecutive months from XX/XX/2023 through XX/XX/2023. This month ( XX/XX/2023 ) after proving to Fifth Third bank the charges were fraudulent and not approved by me, Fifth Third Bank removed all charges and reversed the XX/XX/2023 late fee. However, the $ XXXX {$3.00} late fee is still showing on my XXXX credit file and all three major credit reports files with XXXX, XXXX XXXX XXXX AND XXXX XXXX Please have these $ XXXX {$3.00} charges removed from all XXXX credit reports ( XXXX, XXXX XXXX XXXX AND XXXX XXXX, asap as it has negatively affected my credit! PLEASE SEE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF!
Product: Checking or savings account

In XXXX of 2022 i opened a money spend checking account with credit karma I did so because I knew Id be filing taxes through turbo tax and with the account being advertised as free I honestly didnt think I could go wrong doing soI made a few automatic transfers into the account just to show activity to avoid it being closed and otherwise relied on my email to notify me of any other activity on the account. I had also opened a savings account with credit karma which is still open. So now the time has come to file taxes and when I go to link my money spend account with XXXX Im alerted that my Account had been closed ..i received no warning prior to the closing nor even a reason of why when I searched my email.I contacted credit karma they opened an investigation to see why it had been closedsame night I reached out again the next rep informed me they closed my account over a -3 balance in which I remind you I was never even notified about so that I had time to pay it.she also notified me that because of my account being closed that I was unable to reopen my account.I attempted reaching out again with disbelief and hopes that someone would Help me set this straight but was only Told that I couldnt reopen my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit card is double reporting an account on my Experian credit report I have filed many disputes including supporting documentation and it still comes back as account valid I know the account is valid I am disputing that it is being reported incorrectly twice I have had Experian agents file complaints agreeing yes it is duplicate reported and nothing happens I have contacted XXXX credit card company and they have sent a letter to Experian over two months ago to delete the duplicate account and it is still on my report
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

Every month i pay my bill on time. However the last two months i have been receiving constant phone calls as if i am not paying. Each time it some company associated with Key Bank. They are stationed in the XXXX, XXXX, and XXXX was in XXXX. When i start to complain they transfer me to some one at Key Bank. I ask why they are calling me and they just give me some run around with no actual answer. That is however not the worst of it, my father co signed my college loan with me. So they call him as well. They called him 7 times a few days ago. But the bill was paid. I could not understand. I have about 6 missed calls on my home phone from them. at this moment. If i am paying my bill on time, every month why are they calling me like i am a criminal. And it is not a cheap bill either. I pay almost {$500.00} a month to these people.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Mercari, a foreign-owned e-commerce platform, for fraudulent billing practices and deceptive fees that have resulted in financial loss for myself and many other U.S. sellers .

I recently made a sale on Mercari, only to be hit with a fraudulent shipping surcharge. Mercari claimed that XXXX charged me {$130.00} for an overweight package fee. However, when I contacted XXXX directly, they confirmed the actual charge was only $ XXXXmeaning Mercari pocketed the difference of {$86.00} from my earnings without justification.

When I contacted Mercari for proof, they refused to provide documentation, claimed they could not verify the charge with FedEx, and dismissed my request by saying the transaction was already closed. This is not an isolated incidentmany sellers report similar experiences of Mercari inflating fees, withholding earnings, and refusing to offer transparency or recourse.

Given that Mercari is a foreign company profiting from U.S. consumers, I believe this warrants urgent regulatory oversight. Their recent stock surge suggests they are maximizing profits at the direct expense of American users through unethical and possibly illegal practices.

I respectfully request that the CFPB investigate Mercari 's billing practices and ensure they are not engaging in consumer fraud. I have already filed complaints with the FTC, XXXX and XXXX Attorney General, but I believe federal intervention is necessary to hold Mercari accountable and prevent further exploitation of U.S. consumers. 

Please let me know if you require further details or documentation. I appreciate your time and assistance in addressing this matter.
Product: Credit reporting or other personal consumer reports

Equifax is obligated by the FCRA to report accurate accounting, consumer has advised that the closed XXXX XXXX Account # XXXX had XXXX  days according to Law to remove this derogatory item. This Consumer is now requesting EQUIFAX to provide the documentation used to determine that account was validated by the creditor, EQUIFAX has XXXX  days to provide me with the name of the person spoken to, documentation used, signed application with consumer XXXX XXXX signature. The Consumer is not asking for an XXXX report if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the XXXX to follow certain rules. EQUIFAX XXXX file number. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I will be filing form XXXX XXXX XXXX forms to audit consumers account. Equifax is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment Bureau is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt was reporting on my credit file. I immediately called and settled this debt as soon as I knew about it. I however, never received a 30 day right to dispute notice from Knight Adjustment. This is a violation under the FDCPA and the FCRA and it must be removed on that basis. I am aware that Knight Adjustment can report to the bureaus as they deem necessary since they are the furnisher. This account has been paid and I ask that they provide me with a deletion letter.
Product: Mortgage

I 've been working with the servicer BSI Financial Services. 
I received a letter indicating to send payment to them I also received a call to send my payments else where. The first thing I did was sent them a validating letter to validate the debt starting on XXXX/XXXX/2015. Including the trustee XXXX. BSI Servicer did not respond to any of my letter. I sent the following letters. 1. QWR 2. Notice of default 3. 2nd Notice of default. 4. Non response. 5. default. 6. Cease and Desist. I also receive calls saying they were modifying my mortgage which never happen. BSI and XXXX XXXX trustee foreclosure on my property and sold it to a 3rd party. XXXX is the evidence of paper work. This foreclosure was an illegal foreclosure they never validated the debt nor they had the rights to foreclose on me.
Product: Checking or savings account

ON XX/XX/XXXX I HAVE RECEIVED AN " URGENT ACCOUNT NOTICE '' FROM CITIBANK, TELLING ME TO GET IN CONTACT WITH CITIBANK IMMEDIATELY, OR MY ACCOUNT WILL BE BLOCKED, IF I DON'T RESPOND IN TIMELY MANNER. 
I WAS SHOCKED WITH THEIR APPROACH REGARDING MY ACCOUNT. I HAVE NEVER RECEIVED AN " OVERNIGHT '' LETTER FROM A BANK, WITH SUCH AN URGENCY. I'M A AMERICAN CITIZEN, CAME TO THE UNITED STATES IN XX/XX/XXXX, NEVER EVER HAD ANYTHING LIKE THIS HAPPEN TO ME. 
I DID EVERYTHING THEY ASK ME TO DO, WENT TO THE LOCAL BRANCH, SPOKE WITH THE MANAGER, SHE CALLED THESE PEOPLE, THEY CALL THEMSELVES, " XXXX '', ( XXXX XXXX XXXX  ), CAME BACK TO ME AND SAID : " EVERYTHING WAS O.K. '' TO DISREGARD THE FIRST LETTER FROM THE BANK, WHICH I DID. 
IT HAPPEN AGAIN, GOT ANOTHER " OVERNIGHT '' LETTER, THREATENING ME, THAT MY ACCOUNT WILL BE " BLOCKED '', IF I DON'T GIVE THEM NEEDED INFORMATION. I WENT BACK TO THE BANK, A COUPLE OF TIMES, TRYING TO STRAIGHTEN UP THIS PROBLEM, SPOKE WITH 2 MORE PEOPLE, TOLD THEM TO TAKE COPIES OF MY " TRUST '', MAKE SURE MY ACCOUNT STAYS OPEN, SINCE I'LL BE GOING ON VACATION OVERSEAS, IN FEW DAYS. 
I DID EVERYTHING POSSIBLE TO MAKE SURE TO KEEP MY ACCOUNT OPEN, SINCE ALL OF MY BILLS ARE PAID ON LINE. 
WELL, AFTER ALL OF MY EFFORTS TO KEEP THIS BANK ACCOUNT OPEN, CITIBANK BLOCK IT.
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( TransUnion, XXXX or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information CHAPTER XXXX BANKRUPTCY DISMISSED US BKPT CT XXXX REFERENCE NUMBER XXXX XXXX XXXX BANKRUPTCY DISCHARGED US BKPT CT XXXX REFERENCE NUMBER XXXX I have even spoke with all three bureaus to inform them that XXXX Bankruptcy Court stated they do not report any public information to my credit profile. This has been a nightmare. Ive been dealing with this for years with inaccurate information on my credit profile. 
You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX
Product: Checking or savings account

I applied for a position from XXXX XXXX on XX/XX/XXXX, but this turned out to be a scam position. I was hired on XX/XX/XXXX and tasked to deposit a {$2200.00} check into my account. I deposited the check and was then tasked to wire this amount to this scam company. After wiring this amount, the check was then deemed fraudulent, taking away the {$2200.00}. Throughout this process, I was suspicious of a scam, but since this was advertised through my university, I believed it was fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from I believe Equifax requesting for an ID in order to go forward with the disputed request. I am very disappointed with the lack of seriousness and respect these credit bureaus treat consumers. Instead of protecting our information and identity it appears to me they are too busy profiting from our information. My name was exposed in the Equifax data breach and my life has never been the same since.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report. 
Incorrect historical data listed below : Incorrect Name - XXXX  XXXX XXXX Incorrect Name - XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX EMPLOYER - XXXX XXXX XXXX  EMPLOYER - XXXX XXXX XXXX XXXX XXXX I also hereby formally dispute the accuracy of the following credit inquiries 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requestingsome accommodations so I care to protect the integrity of my credit file.XXXX XXXX XXXX XXXXXXXX # XXXX account is reporting 30, DAYS LATE XXXX XXXX XXXX XXXX # XXXX account is reporting 30, DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process. 
I have some inquiries that I do not recognize from the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA, XXXX XXXX
Product: Credit reporting

I was a victim of their inquiry removal and reinsertion without a 5 day notice reinsertion letter per FCRA. 

The following inquiries were reinserted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given permission to any original creditor to sell my debt to a third party. I have Financial Recovery Services send me letters to collect on a debt being reported by XXXX XXXX as a collection account that was originally owned by XXXX XXXX. I also have XXXX XXXX XXXX and XXXX XXXX XXXX reporting collections accounts that I dont owe and havent given permission for anyone to contact me sell any debt or anything else.
Product: Checking or savings account

I open a citi account package online in XX/XX/2020, it has both checking and saving accounts. In XX/XX/2020, a free checkbook was mailed to my home address as a new customer welcome bonus. And then I wrote 5 checks to 3 different payees in XXXX and XX/XX/2020, the interesting thing is all those 5 checks returned as the checkbook is not active. After reaching out to citi customer service, they helped me to activate the checkbook so it looks good to me now. But the problem is the payees contacted me to pay extra money to cover the fee charged by their bank for the returned check. I didn't see any note or paper in the mailed checkbook to warn me that the checkbook is not active and it needs a phone call or online action to activate it. There is no such message in my mobile banking or online banking either. Based on my previous experience with other banks, the checkbook doesn't require an activation. So I guess it seems like not my fault and I'm asking citi to pay for the returned check fee.

Here are the details of all the 5 returned checks. 
Check # XXXX was returned on XX/XX/2020, {$13.00} payment and {$38.00} check return fee. 
Due to the business policy, the payee is unable to share the receipt for the check return fee. I sent them check # XXXX {$51.00} to cover their cost. You can see it in my checking account on XX/XX/XXXX. See attached image for check # XXXX. 

Check # XXXX was returned on XX/XX/2020, {$110.00} payment and {$12.00} check return fee. 
Check # XXXX was returned on XX/XX/2020, {$50.00} payment and {$12.00} check return fee. 
Check # XXXX was returned on XX/XX/2020, {$100.00} payment and {$12.00} check return fee. 
These 3 checks were paid to the same payee. They're unable to provide the receipt for the check return fee and I paid them {$36.00} cash to cover their cost as they were told by their bank that a {$12.00} check return fee was charged per check over the phone. See attached image for check return notice from payee 's bank. 

check # XXXX was returned on XX/XX/2020, {$170.00} payment and {$10.00} check return fee. 
See attached image for {$10.00} check return fee receipt.