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

XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud. Said Company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer. The consumer is now requesting XXXX to provide the documentation used to determine whether the inquiry was indeed authorized by the consumer. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with Consumer wet ink signature. Consumer is Not asking for an XXXX report. If XXXX does not have documentation to show these were in fact authorized, it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  New York XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX. I WILL be filing form 211 treasury CMB forms to audit consumers account. XXXX is securitizing consumers data yet refuses to provide consumers with a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit card

I was issued a Citibank Costco Visa card in early XXXX 2016. The first statement of the new card closed on XXXX XXXX, 2016, following the transition from XXXX. Owing to the fact that my account was linked to my bank account through XXXX, no payment was made on a balance of approximately {$760.00}. Two days after statement closing, I received a phone call from Citi collections in which my credit rating was threatened and specific statements were made about delinquency. I subsequently paid the outstanding balance on the account. The following day, without my permission, Citibank closed my account - despite the presence of approximately {$68.00} in cash rewards outstanding. Once again - no request to cancel the account was made. 

Subsequently, I have requested the account to be reopened on two separate occasions. In fact, I received a call from Citi indicating that the progress was slow and they wanted me to file another request. I am disappointed in the fact that a representative closed an account without my permission and the overall poor service I have received.
Product: Credit reporting, credit repair services, or other personal consumer reports

my cr report shows a neg, that the creditor put on my acct. Unable to contact consumer, they have the correct add
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Bureau 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 : XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX XXXX XXXX XXXX, XXXX  LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX  CARD XXXX {$4600.00} XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXXXXXX {$2500.00} XX/XX/XXXX XXXX {$3400.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Checking or savings account

I had two unauthorized charges on my account of {$290.00} from XXXX pending in my account. So {$580.00} total stolen from my Sofi checking account. On the day they showed up pending, XX/XX/XXXX, I immediately called sofi to report it, all they said was I had to wait until the charges posted on my account to even dispute them. I also called XXXX on that same day and put a dispute in with them because those transactions were listed no where on my account. XX/XX/XXXX, the transactions posted and I disputed them. After waiting 2 weeks they denied my claim on XX/XX/XXXX. I then sent them my statements from XXXX or XXXX showing my {$50.00} a month wifi payment for proof. On XX/XX/21 they denied my claim again and then stated they were closing the dispute. I asked for proof and all they could provide in the document was the fact that I had done business with the company before. I have never paid more than {$50.00} a month to XXXX and they tried to say that {$580.00} in one day was within my normal spending habits. I emailed back again this day to appeal the decision. They never responded until I threatened to submit a complaint with this bureau. The sofi fraud department is a joke, they only can communicate through email and you can not talk to a human. They dont even contact the company the dispute is with.
Product: Debt collection

The collection company calls multiple times a day. They have now started blocking their number in order to trick me into answering the phone. Just the last couple weeks here is a call list. This has been going on for longer than 6 months. I have asked them repeatedly to stop blocking their number as well. 
XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX
Product: Checking or savings account

For the last several years Chase has sent me offers in the mail to get a new account bonus when opening an account. Finally after over 2 years of offers I opened a new account with the coupon the sent me offering {$300.00} bonus for a new account. 

After meeting the requirements of the offer they deposited only {$200.00} as a a bonus and not the full {$300.00} as advertised. 

I still have the offer card they sent to me and have even received further offers of the same from them. 

I contacted them the day after the {$200.00} was deposited and they opened a complaint / investigation ticket for me. The company had a lady named XXXX contact me on XX/XX/XXXX and left a voicemail with a number to call her back at to discuss. 

I have left her multiple voicemails every business day since then with no response. I have called customer service and they can not reach her either. I then opened a second complaint 2 weeks ago and have still not heard back from them on that one either. 

The coupon code on my card was : XXXX XXXX XXXX XXXX This is a terrible way to begin a relationship with a new customer by not keeping your offer and the lack of response.
Product: Credit card or prepaid card

On XX/XX/XXXX, I logged in the Citi Credit Card webside to review my transactions. I have pictures taken on XX/XX/XXXX which show my last statement balance as {$2900.00}. 

On XX/XX/XXXX, I called Citi customer service and disputed three charges ( 2 made on XX/XX/XXXX for {$39.00} and {$110.00} ) and another charge made on XX/XX/XXXX for {$39.00}. 

I did receive the credit for the XXXX charge, however, there is no credit for the XXXX charges. In the statements it looks like Citi credited the account, however, the credit does not show up anywhere. 

On XX/XX/XXXX, I called Citi three times and the dispute representative insisted that the credit for the month of XXXX was given, however, he could not explain why the last statement balance for XXXX remained the same even after the dispute was filed. The statement balance on XX/XX/XXXX was {$2900.00}. The dispute was filed on XX/XX/XXXX. 
The statement balance calculated and provided by the City representative TODAY also {$2900.00}. Where is the credit for the dispute charges made on XX/XX/XXXX? 
The representative stated that he could not answer any more of my questions so he transferred me to his supervisor XXXX who hang up the phone shortly after receiving the call. 

I would appreciate your assistance in addressing the lack of credit given that the dispute was filed and reflected in the statement, however, the statement balance remained the same for the XXXX period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint AGAIN to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXXXXXX Balance : {$9000.00} ; XXXX XXXXXXXX Balance : {$9000.00} ; XXXX XXXX Balance : {$3900.00}
Product: Credit reporting or other personal consumer reports

on friday XX/XX/XXXX i tried to unfreeze my credit report at experian to apply for a new credit card. I tried to log in to my account but then discovered that someone had changed my account to their email and phone number and password. 

It took me hours on the phone to get help but know one was willing to take accountability on how or why this happened. It was a phone number and email that were never owned by me. 

someone had hacked my account and they had no clue how to resolve or how it happened. 

I was able to regain access however it's unclear what prevents this from happening again.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit re
ports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit card

On XX/XX/XXXX, I received an alert from the credit card company Barclaycard US that potentially fraudulent transactions had been charged to my account. I logged into the app to check recent transactions and confirmed that the pending charges were not purchases I had made. I also noticed another transaction from a week prior, XX/XX/XXXX that I had not made. I immediately called the company and confirmed that the flagged transactions were fraudulent and that the other transaction from XX/XX/XXXX was also fraudulent. This transaction was from a merchant called " XXXX '' in XXXX  and was for {$2500.00}. The XXXX transaction, as well as the other fraudulent charges, were reversed. My current card was cancelled and a new card was mailed out. 

This month, on XX/XX/XXXX, I was checking my transactions in the app when I noticed that the XXXX transaction had been charged to my account again on XX/XX/XXXX. I immediately called the company and was notified that they had determined that I was at fault for the transaction based on records that the merchant had provided. I was never contacted for details about this transaction, nor to confirm or dispute the supposed evidence the merchant had provided. This charge was indeed fraudulent. I have never purchased anything from this merchant, and have not received any goods or services from this merchant. During this phone call with customer service, I requested that any documents they used to make their determination be mailed to me. As of today, XX/XX/XXXX, I have not received anything. Additionally, I was told that this case would be re-opened and reinvestigated, however the charge is still on my account, and I am being charged interest on this charge, for which I am not liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

GREETINGS, I MADE ATTTEMPTS AT REACHING OUT TO ALL THREE CREDIT BUREAUS IN REGARDS TO INACCURATE INFORMATION THAT I DISCOVERED ON MY CREDIT REPORT. XXXX REPLIED THAT ALL INFORMATION HAS BEEN VERIFIED AS ACCURATE, I AM UNSURE OF WHAT MEANS THEY HAVE USED TO PRODUCE THEIR VERIFICATION, HOWEVER, I SATISFIED BOTH OF MY CONTRACTUAL AGREEMENTS WITH XXXX XXXX XXXX XXXX AND XXXX AND NOW THEY ARE BOTH APPEARING ON MY CREDIT REPORT. PLEASE HELP ME RESOLVE THIS ISSUE. I FEEL LIKE THESE BUREAUS ARE HOLDING ME HOSTAGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Not only do they continuously call all day every day, the manager gets an attitude with me saying " I would n't recommend you to my worst enemy '' and threatens to take legal action. He said he 's going to pull up my record and see how many verbal commitments I 've broken. I am XXXX pregnant and he was being so rude and really getting me shook up. My husband gets on the phone and he tells my husband that " its ok, my wife was psycho too when she was pregnant ''!! He mocked me like a child and Itold him that wwas n't very professional. Something needs to be done. He verbally attacked me, threatened me, and harrassed me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report related to the account listed as XXXX ( Account # XXXX ). Upon reviewing my credit report, I have identified discrepancies in the reporting of this account by TransUnion, XXXX, and XXXX. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on my credit report must be accurate, complete, and verifiable. 

Below are the specific discrepancies I have identified : 1. High Balance Discrepancy : TransUnion and XXXX report the high balance as {$7400.00}, while XXXX lists it as {$6100.00}. Please verify and correct the accurate high balance for this account across all reporting bureaus. 
XXXX. Last Activity Date : TransUnion lists the last activity date as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. XXXX does not include a last activity date at all. I request verification and correction of the accurate last activity date for this account. 
XXXX. XXXX Remarks : TransUnion indicates payment after charge-off/collection purchased by another lender, while XXXX states, account transferred or sold ; paid charge-off. These conflicting remarks suggest reporting errors, which must be clarified and updated with consistent, accurate information. 
XXXX. Last Payment Date : XXXX reports a last payment date of XX/XX/XXXX, XXXX reports XX/XX/XXXX, and TransUnion provides no last payment date. This inconsistency must be reviewed, and the correct last payment date should be uniformly reported. 
XXXX. Payment History Reporting : TransUnion and XXXX provide no two-year payment history, while XXXX shows inconsistent statuses ( e.g., delinquent vs. OK ). This irregularity must be resolved to ensure an accurate record of the accounts payment history. 
XXXX. Account Classification : TransUnion lists the account as Auto Dealers, Used, while XXXX categorizes it as Auto Financing. These conflicting classifications must be reviewed and corrected. 

I request that you investigate the discrepancies listed above and provide me with a corrected credit report. Additionally, please supply me with documentation verifying the accuracy of the information currently being reported or remove any unverifiable information from my credit file in compliance with the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. Please complete your investigation and provide me with the results within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX
Product: Student loan

Hello, I have spoken to Numerous personal from my fedloans about 24 missing qualifying loan forgiveness payments. Instead of my payments being manually calculated as promised on XX/XX/XXXX I received a letter stating that my account was 30 days past due with a balance of {$650.00}. My student loans have been on an automatic debit since XXXX. I am unsure how it is possible to have a bill in this amount with automatic debit which is taken out monthly on the XXXX of every month. 
I have been informed by the following personal that this matter would be resolved shortly. I was informed by XXXX # XXXX and name unknown person # XXXX on XXXX that there was an error made on fedloans end. I was informed this error occurred because I changed my payment plan from IBR to a revised payment plan XX/XX/XXXX. Instead of the female worker name and number is unknown suspending my interest payment she never did.She did put in place the minimum payment of {$5.00} which I paid {$5.00} on 2 occasions. The first time being when my payment plan was changed XX/XX/XXXX. The second time being XX/XX/XXXX. 
I spoke with XXXX # XXXX at XXXX on XX/XX/XXXX and requested that my 24 payments towards loan forgiveness be properly calculated. There were 24 payments that were missing. I was informed Fedloans had to manually fix the error. XXXX # XXXX at the time confirmed the error I called back on XX/XX/XXXX and spoke with XXXX # XXXX and was informed that the matter was still pending. 
I was not informed of the current bill until XXXX. Up until this point my bill has been current. I was told this happened because Fedloans was working on rectifying my qualifying low forgiveness payments that were not counted.I continue to not have my qualifying payments counted but now I am getting a bill with a threat of this being on my credit report. 
I spoke to XXXX  # XXXX on XX/XX/XXXX who stated that she could see a review on my account for qualifying payments. XXXX  # XXXX stated on XX/XX/XXXX that XXXX # XXXX made a request to have the interest on my account capped. This review also continues to be pending. This same review was requested on XX/XX/XXXX which the system shows has been completed but not resolved. 
I then requested to speak to a supervisor XXXX # XXXX who stated that the problem appeared to occur after I was transferred from a IBR to a revised payment plan. XXXX # XXXX stated that in order to qualify for a payment of {$5.00} I will need to qualify for a forbearance. Ms. XXXX # XXXX continued to acknowledge the error was not on my end and she apologized. The issue still is not resolved. I was informed that the issue would be reviewed in detail, taken care of and myfedloans would get back to me. 
It appears that after trying for months to resolve the matter, I have no choice but to seek your support in resolving this matter. 
Thanks,
Product: Vehicle loan or lease

XX/XX/XXXX I refinanced my XXXX XXXX pickup from XXXX Bank XXXX XXXX Capital One XXXX XXXX. Then on XX/XX/XXXX I totaled the XXXX XXXX pickup and my insurance company totaled the vehicle out on XX/XX/XXXX. They then proceeded to call Capital One to pay {$28000.00} on the {$32000.00} loan on the pickup. Capital One never had the title transferred from XXXX Bank XXXX name into there name. My insurance company XXXX XXXX XXXX ) then called me to inform me that they couldn't pay the loan until the title was transferred into Capital One XXXXXXXX  name. So I started making phone calls to see what was taking so long for the title to be transferred over to their name. Then they told me after numerous calls to Capital One in XXXX and XXXX that I needed to get all this paperwork filled out again from the previous lender and from myself because they didn't have any of the paperwork they needed to send to my state to have the transferred over. I called the previous lender and they said they would resend all the paperwork again to Capital One and I sent all the paperwork I had. After getting all the paperwork sent over I called again to see how long it would take since I still been paying on the loan even though my insurance was trying to pay on the loan. They told me to just have the insurance company to make monthly payments or my credit would be ruined since they wouldn't put my account on hold since I signed for the loan. So after all this time it has been over 8 months and I just called again on XX/XX/XXXX to find out if the title has been transferred yet they told me no it's still pending and I will need to just wait. So I have decided to stop paying the payments even if my credit gets ruined because I can not afford to pay XXXX truck payments.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I took a {$3300.00} loan from NetCredit, monthly payment {$420.00}. By XX/XX/XXXX, payments stoppedno bills received. As of XX/XX/XXXX ( credit report ), its open on two bureaus at {$10000.00}, 180 days late since XXXX years unchanged. A third bureau omits it. The balance tripled with no payment history shown. I requested an explanation in XX/XX/XXXX for the {$10000.00} and 180-day statusgot vague info, nothing on those issues, no payment records or notices. This has tanked my credit since XXXX, denying me all major credit cards by XXXX and forcing 158 % interest loans in XXXXnormal credits impossible. Disputed XX/XX/XXXX, unresolvedsee reports.