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

I have unauthorized credit inquires that are not mine that I would like Equifax to remove from my credit report. This is causing me an issue to not to be able to apply for credit. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX   XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

CFPB Orders Citibank to Provide Relief to Consumers for Illegal Debt Sales and Collection Practices XX/XX/XXXX CFPB Director XXXX XXXX. Todays action provides redress to consumers who were victimized by slipshod practices as part of our ongoing work to fight abuses in the debt collection market. 

Citibank sent inaccurate information to buyers when it sold off credit card debt and it also used law firms that altered court documents, said CFPB Director XXXX XXXX. 

Recently I received a copy of all three of my credit reports in relationship to my application for a XXXX XXXX. In the report I found a page that contains the listing of my account with Macys/DSNB. Showing the account had been closed, with a balance owing? Find a copy of this page attached here. 

I recognized the account listed as being mine, but I havent used the card in quite a long time? So I called Macy 's to inquire about this recent activity? Where the only option provided to me by Macys was to say, send us full payment first. Only then, at my request, would they provide me with information in support of the charges they claimed I owed at some time weeks into the future. 

I presented this conversation to the Lender Im working with and was advised that the best thing for me to do was to go ahead and pay off the debt. With the belief that in doing so would advance my loan application I did what she had advised. 

Only afterwards did I start to look into any of this on my own. Where I learned that regardless of my credit report listing DSNB as the lender on my credit card, they are in fact wholly owned by Citibank ; Department Stores National Bank to Pay $ XXXX For Charging Fees on Collection Accounts Published on : XXXX XX/XX/XXXX at XXXX XXXX. EST As part of a larger Consumer Financial Protection Bureau XXXX CFPB ) enforcement action announced today against Citibank , N.A., Department Stores National Bank ( a Citibank subsidiary ) will pay {$23.00} XXXX for deceptively charging expedited payment fees to nearly XXXX XXXX consumer accounts during collection calls. 

With this new information in mind I called my bank the day following the payment to Macy 's requesting that they reverse the payment. As Macys had refused to comply with my request for information on the account and the corresponding charges. Knowing that I refuted these charges Macys refused to provide the information Id requested until I made full payment to them in advance. 

Im now convinced that Macys/ DSNB/Citibank have intentionally closed the oldest credit card account I have. Which adversely effects my credit rating and credit scores. That they have done this without redress of any kind for a consumer and client of some 31 years. By refusing to provide any supporting documentation with full knowledge of my rebuttal to the charges theyve claimed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried writing them to correct the errors on my report or remove the inaccurate tradeline if they're unable to truly validate the information. I have copies of FCRA violations going back almost a year. And all I get from the CRA is Verified as Accurate, and their letters saying they will not investigate this anymore. But clearly anyone can see from the reports pulled from XXXX  XXXX  XXXX, XXXX, XXXX XXXX, AND the Credit bureau itself ALL have incoherent information. I even sent them copies and ask how did they verify, and I got their same response, Verified as accurate, or meets FCRA requirements. I don't think the FCRA allows blatant account errors across all 3 bureaus, considering they ARE contacting the source, they should get the same info right? I have files for proof of the violations, and proof they've dismissed them for months.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per XXXX as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974. 

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

The Fair Debt Collection Practices Act states that companies who are attempting to collect a debt can not share personal and/or account information with references. References should be used in the location of the party that has the account. Companies are not supposed to tell who they are calling with or disclose any account information ( i.e. payment amounts, due dates, late fees, etc. ). I have had this problem twice with this company. The first time was with my XXXX-year-old ( now deceased ) grandmother. My account information was disclosed to her. In XX/XX/2019, this company contacted my father in an attempt to reach me. The problem arose when they disclosed my payment information, late fees, and other pertinent information about my account. My father made a payment on my behalf, and my grandmother did as well. They threatened my grandmother with rude comments about calling the police amongst other things. I brought this to the attention of the manager of the company. The first time it occurred, the manager was apologetic and assured me that it would not happen again. I contacted the company again when my father was contacted. The office manager ( or whatever her title is ), who goes by the name of " XXXX '' was very rude and short with me. She assured me that if my references were talking about making a payment that she " is gon na give them all of my account information ''. Luckily, I had the call on speaker phone and my husband, XXXX XXXX, can attest to hearing her rude attitude and the comments that were made by an unprofessional employee of this company. I am appalled because I know for a fact it is against the collection laws for them to disclose any personal information to anyone who has not signed loan paperwork with me. I signed alone, I am not a minor, so they are not allowed to discuss my account with anyone. I understand asking for my location, asking for my phone number, or even leaving a message for me to contact them. However, being unprofessional and disclosing my private information in order to get a payment in their books is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use to be with XXXX and I had bought a new android phone. This happen back in 2019. I was told that I have 7 days if I didn't like the phone. So I wanted to go back to my XXXX, so I returned my android back on the XXXX day. I went back to the XXXX store located on XXXX Blue XXXX XXXX  XXXX, Missouri XXXX and told them that I didn't like the phone and wanted to returned it. I had all the equipment that came with it. I spoke with XXXX and she took all my equipment back including my phone and told me that I had a {$0.00} balance and that I didn't owe anything. XXXX has been bought out by XXXX and I have tried calling them and the outsource to advise them that I don't owe anything and that I returned my phone and equipment back before the 7 days ended. At this point I received a bill that I owe {$1300.00}. This is really effecting my credit report and I am unable to get anything done because this is harming my credit report so bad. I've been with XXXX for over 8 years and this is not right at all. The current company that has my file is Convergent Outsourcing.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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

I had a debt for a student Loan with XXXX XXXX. I set up a payment plan for {$50.00} per month, and payed monthly until I recieved a letter from them saying that I was caught up and my debt was payed. I also stopped recieveing any bills, or other correspondance from them. 
A few months ago I got a letter from Conserve saying that i now owed them {$2200.00} and that I had 30 days to dispute. I called within the 30 days and left a message that I had payed the debt. 
I have not recieved an email, phone call, or paper bill from Conserve. Conserve does however keep putting derogatory remarks on my credit score. 
I have emailed them twice and left another voice message, with all of my contact information. 
They refuse to correspond with me regarding the matter, but today they made yet another deragatory remark on my credit.
Product: Credit reporting

I was a victim of identity theft on or about XX/XX/2016. At that time, I got a bill from XXXX for new cell phone service and an iPhone. I have never had service with XXXX and have never owned a personal iPhone. I contacted XXXX and filed a fraud report. I reported the fraud to my local police station as well. XXXX quickly determined the charges against my credit card were fraudulent and relieved me of any responsibility for payment. 
I initiated credit monitoring with Equifax in XX/XX/2016 after the identity theft incident. I noticed XXXX had run a credit check on me pursuant to the fraudulent phone and service purchase. I spoke with an Equifax representative regarding removal of the credit report. He told me that XXXX would need to contact Equifax to confirm that the credit report had been run pursuant to fraudulent activity. I called XXXX and their representative said that this information had already been provided to Equifax. However, when I spoke with Equifax, they said XXXX had never contacted them and that they would not accept a letter I had received from XXXX as proof that the credit check had been run as a result of fraud. I called XXXX back and they said that since they had already provided the information to Equifax, they would not do so again. I disputed the report with Equifax but they refused to remove it.
Product: Debt collection

I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Product: Checking or savings account

On XX/XX/XXXX someone accessed my mother 's Chase online login, through which she had access as a user of both my and my brother 's bank accounts. That person initiated a XXXX with XXXX transfer from my brother 's account into my account, then transferred {$1300.00} out of my account with XXXX to a person no one in my family is familiar with. Due to a low balance alert on my brother 's account we became aware of this issue almost immediately while the transaction was pending and called Chase, but it was not stopped. Then while my mother was on the phone filing a claim ( I could not as it was technically my mother 's login compromised ) they initiated another transfer for the remaining sum in the account, around {$250.00}, and this transfer was stopped as not authorized as they were on the phone with her. We have not heard any resolution on this claim despite multiple family members trying to speak with someone in the fraud department. They did as a courtesy make the funds available again, but pending resolution of the claim they may need to be returned.
Product: Credit reporting

I am requesting an investigation because there is Public Record Information on personal credit profiles that is inaccurate in its filing. The term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. As it is understood that the credit bureaus have retrieve my information from a third party entity without my authorization, I am entitled by my consumer rights to have the full contact information and ID that they have " verified '' this information. This derogatory is holding my identity and credit under " Consumer Lock '' for 10 years. I have contacted the the Bankruptcy Court and they have confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting or other personal consumer reports

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

The XXXX XXXX listed on my credit reports are KNOWINGLY committing securities fraud against my SSN. They are filing IRS forms ( XXXX 's ) on my behalf and are not providing the proper IRS documents for me to file my taxes PROPERLY as they are considered INCOME! They are not performing their fiduciary duties as stated in the XXXX XXXX agreements and the XXXX XXXX XXXX agreements that they signed. Their deceitful and deceptive practices of fraud have caused I and my family grave XXXX XXXX XXXX XXXX XXXX  while they are enjoying the fruits of the fraud!
Product: Checking or savings account

Unable to access the paycheck and deposits on the Capital one account. When called, Capital one kept on line for more than 15 minutes and finally disconnected. I can not access my paycheck.
Product: Credit reporting or other personal consumer reports

XXXX 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 XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers to dispute outcomes. These failures align with my experience where XXXX has neither corrected nor removed disputed items despite the evidence that I have provided, causing ongoing harm to my credit standings. I am requesting immediate corrective accounts and XXXXXXXX XXXX inaction violates the federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

Identity Theft, never open a account with XXXX XXXX or XXXX XXXXXXXX XXXX. A balance on credit file with Equifax must be removed as fraud.
Product: Mortgage

We were on the day of closing when the lender requested a list of repairs to finalize the loan. The cashier 's check had already been prepared, and the sellers had already signed. The bank 's excuse was that they hadn't received the resolution addendum, claiming they received it just the day before. We have all the emails indicating that the buyer 's agent sent the resolution addendum on XX/XX/XXXX, which was XXXX month and XXXX days ago. '' The transaction is about to be terminated, and the funds spent on inspections will be lost, as well as the appraisal fee and the XXXX money. In addition, the sellers had XXXX XXXX XXXX hours to reach the closing, and the buyers drove over XXXX hours, only to find out at the title company that we were not going to close. Could you please help us with this matter? '' The bank 's name is : Member First Mortgage : XXXX XXXX XXXX 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

These are not my accounts listed in my credit. Please remove it.
Product: Checking or savings account

On XXXX XXXX XXXX  I opened a Checking Account with Citibank online and funded it with {$1000.00}. 

On Tuesday XX/XX/ I received an email congratulating me on my enrollment in the Member Cash Checking Offer. This email stated I would be eligible for up to a {$1500.00} Cash Bonus if I deposited {$200000.00} or more within 20 days of opening my account. 

On XXXX XXXX XXXX  I deposited {$220000.00} into my account which was within the 20 days of my opening my account on XX/XX/XXXX. The program required me to maintain the balance for 60 days- which I did ( well over 100 days ). I kept the balance over {$200000.00} until XX/XX/ when I eventually started transferring the money to other accounts and it dropped below the {$200000.00} I never received my bonus cash. 

On XXXX XXXX  I reached out to my banker via email to try and resolve this. I've been told that the Promotional Dispute team is looking into it. It is now XX/XX/XXXX and I have not been paid my promotional amount and I feel as though the bank doesn't care to resolve this. 

I consulted an attorney and she recommended that I try this route before taking legal action.
Product: Credit reporting or other personal consumer reports

Please have this removed from my consumer report. ( XXXX, XXXX, And Equifax etc. ) 15 usc 1681 b ( 2 ) ( a ) ( i ) XXXX XXXX 590 % credit card utilization {$6400.00} 5 hard inquiries
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained about this numerous times with the credit bureaus and with the company directly to no avail. This loan is past the statute of limitations for reporting on my credit report. The date of last payment and the date the account was closed was XX/XX/XXXX. Over 9 years ago! The last time it was reported was XX/XX/XXXX which is odd because they are reporting on something that was paid in full, closed and a year after the fact. This needs to be removed from my credit report immediately. 

The account number is Account Number xxxxx XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am reaching out to request your assistance with updating several accounts on my credit report. I've identified some outdated or incorrect information and would like to ensure that my report accurately reflects my current financial status. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Product: Debt collection

This not my debt. I 'm victim of identity theft I submitted police report to the originally creditor. Then they sold the acccount to this company.