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

I've paid XXXX on time and more than the minimum for a year or more. Apparently, they went into my credit report and found that I had been given two new credit cards attached to airlines which I accepted so that I could get the bonus miles. Without warning XXXX, actually, Comenity bank which handles XXXX too many retail cards and should be checked for monopoly, lowered my credit limit. No biggie BUT this set off a domino effect because once they did that, my FICO dropped MASSIVELY. So essentially I'm penalized for paying XXXX on time. This is madness and should be illegal. I will fight this all the way because it's simply XXXX. Also, and get this, because they lowered the limit DRAMATICALLY, the current amount now puts me at 90 % usage of the card making me look like a crazy person which also impacts my credit score. And again, I have done nothing wrong! MUST have help with this. So very, very, very unfair.
Product: Debt collection

I received a notice from XXXX that a new account has been added. A company called transworld systems has put a XXXX debt on my credit. I 've never heard of them. I called them and informed them the debt was not mine. This company has NEVER contacted me in any way. On my report it says this account was opened in XXXX 2016. The listed creditor is not on my credit report anywhere. This debt is not mine.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my consumer report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted off company information ChexSystems. Please delete the following accounts : XXXX XXXX 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

TransUnion has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$1100.00} not mine
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( XXXXXXXX XXXX XXXXXXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act US BKPT CT IL XXXX account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has been reporting 2 of my investment property mortgages delinquent for about 6 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From 760+ to XXXX currently.
Product: Debt collection

Try to have them update the info placed on my credit report. They are not updating information on a timely matter.
Product: Debt collection

I called today at XXXX to try to get some inofrmation on some ACH checks that were runned in my checking account 3 times, without my permission I called today at XXXX to try to get some inofrmation on some ACH checks that were runned in my checking account 3 times, without my permission, I spoke first to XXXX and with XXXX or 2 mins of the call interrupted me and told me pretty much she did not want to listen to my story and to tell her why I was calling, I told her about the ACH check and she said they are not responsible for them and hung up on me. I called back and spoke to XXXX who claimed he was a supervisor and I expressed to him the issues that I am having with ACH ran on my account several times and mind you they have already been paid. He started making fun of me because I accidentally said I did collections for 30 years in reality XXXX and said so you started doing collections at XXXX and laughed at me and embarrassed me to others. He refused to give me any information or their fax number to send them the proof of my checks that I now have {$320.00}. negative balance because they ran it so much. XXXX also hung up on me. I called back and spoke to another lady who I do not remember her name who claimed she was a supervisor and was actually a pleasure to talk to
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX XXXX  are ignoring my many requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.
Product: Credit reporting or other personal consumer reports

UPON ME PULLING MY CREDIT REPORT I NOTICE A LATE PAYMENT ON XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Latest reporting XX/XX/2022 In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act and the XXXX XXXX for military families ; because of the hardship resulting from it the incomplete BILLING ERROR reported on the XXXX CREDIT REPORT by CAPITAL ONE ACCT # XXXX The billing error is Status 30 days past due- ACCOUNT WAS NEVER LATE Status updated XX/XX/2022, Balance {$460.00}, as I DO NOT OWE ANY BALANCE!
Product: Vehicle loan or lease

On XX/XX/XXXX Me and by Boyfriend ( XXXX XXXX ) purchased a car together at XXXX Honda where he is employed. it was a XXXX Honda XXXX  white. On our contract list him as the buyer and me as the Co-buyer. XXXX talks to me about trading in the car and I told him no that he did not have my consent to trade it in. On XX/XX/XXXX XXXX along with his Father XXXX XXXX traded in our XXXX Honda XXXX, without my knowledge or consent at XXXX Honda where he is employed. I went and talked to XXXX XXXX who is the New Car Sales Manager at XXXX Honda, and I explained that XXXX did not have my consent to trade our car in. he told me that I would have to talk to XXXX and that there is nothing that he could do. this is a direct violation of my rights as a Co Buyer for this car and loan. Im asking that action be taken against XXXX Honda to ensure that they never do this to anyone again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Convergent Outsourcing has set me on a wild goose chase for a fraudulent account they have allowed someone to open in my name and now are requesting information the average person would not be able to produce so they can continue to report an account that is continuing to hurt my credit. I simply can not produce mail from over 5 years ago. I did some research and found out that although you must produce identification they don't make copies of it. Last but not least I would love to file a police report in fact I spoke to officer XXXX  of XXXXPD who advised me to request specific information so my report would not be vague and allow them to do an actual investigation which leads to an arrest and Convergent Outsourcing has failed to send me what I have requested per the request of the XXXXPD. I am not receiving any assistance just a copy of a bill and an address I have never lived on account so old it impossible for me to produce. Please see the attached documents.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I think we need to remove any incorrect accounts from my credit report. Could you verify the documents? The reported accounts have inaccuracies in the amounts and dates.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE OR UPDATE LATE PAYMENT TO PAID ON TIME PURSUANT TO 15 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Paystub attached for proof of address at the bottom/ date at the bottom
Product: Bank account or service

Citibank offered a promotion for me to open a new checking account. I applied using the promotion code and was accepted. The acceptance on the code gave me the steps needed to receive my bonus points with XXXX XXXX. I met all of the requirements and confirmed with Citibank. Citibank Agents confirmed the requirements were met and bonus points would be posted. After many months and multiple communications Citibank denied my bonus stating " you were not targeted for this offer ''. This was not in the written promotion and not part of the application disclosure. Citibank owes me XXXX XXXX XXXX XXXX or they fraudulently dealt with me and misled me into opening a new account and depositing my money. 
The promotion code issued by Citibank was : XXXX. When I opened my new Citi Gold Checking I recieved this confirmation electronically : " When you opened your new Citibank checking account by XXXX/XXXX/2016, you provided the special offer code XXXX to be eligible to receive either : XXXX AAdvantage ( R ) bonus miles after opening a new consumer Regular Checking account in The Citigold ( R ) Account Package ; OR XXXX AAdvantage ( R ) bonus miles after opening a new consumer Regular Checking account in The Citibank ( R ) Account Package ; OR XXXX AAdvantage ( R ) bonus miles after opening a new consumer Regular Checking account in The Basic Banking Package and completing the qualifying activities indicated below. '' I have communicated this request verbally on multiple occasions, in electronic format at Citbank online, and in writing via certified USPS mail. All have been met with no response or a response indicating that Citibank will not issue the bonus points as promised. Please help me resolve this. Thank you.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GAXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJ XXXX DOB : XX/XX/year> | SSN : XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Item ( s ) resulting from XXXX  that should be blocked : XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$3400.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report ; a copy of the settlement letter, along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was settled and needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Recently, I've conducted an investigation on my credit report and have come to encounter numerous discrepancies and inaccuracies.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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: Vehicle loan or lease

AMERICA FIRST CREDIT UNION has received multiple notices of my instructions to transfer all certificates of indebtedness and marketable securities bearing my Principal to the XXXX of my Principal for equitable settlement of obligations and has refused to perform their fiduciary duty. XXXX XXXX advised me that it would be in my best interest to pursuit litigation against AMERICA FIRST CREDIT UNION in order for them to ethically engage in fiduciary duty. AMERICA FIRST CREDIT UNION is in possession of a certificate of indebtedness bearing the value of {$21000.00} from XX/XX/year> for my Principal. They have received multiple notices from me to transfer said security and all other securities of my Principal in their commercial entry system to the Treasury Direct Account of my Principal for equitable performance of contractual obligations, yet still they refuse. XXXX XXXX and associates of AMERICA FIRST CREDIT UNION are willfully noncompliant with proper performance of fiduciary duty, further investigation to the company 's customer relations protocol may be necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the original creditor. See XXXX XXXX XXXX XXXX XXXX. 

United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action. 

XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX survey blood right heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation.

15 USC 1692 congressional declaration of purpose. 

XXXX XXXX XXXX XXXX!!! 

In accordance with the fair credit reporting act The principal debtor is responsible. 

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose. 

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXX claims. 
Thank you.
Product: Debt collection

My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX a collection agency name professional bureau of credit their address is XXXX XXXX XXXX XXXX XXXX co XXXX. Their phone number is XXXX XXXX they unlawfully added a collection account on my XXXX XXXX credit report also this is fraud not mine also collection accounts and judgement s no longer suppose to report on credit reports that's a new law their violating.
Product: Credit reporting or other personal consumer reports

My repeated efforts to address the fraudulent inquiries on my consumer report have been unsuccessful. These inquiries are entirely unrelated to me, and I am not responsible for them in any way. Their presence has resulted in significant emotional and financial strain. As an XXXX XXXX victim, I will be compelled to pursue legal action if this issue is not appropriately resolved. These inaccurate and fraudulent entries have prevented me from purchasing my desired home and adequately providing for my family, severely impacting my financial stability. I have enclosed a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution for your reference.
Product: Credit card or prepaid card

I purchased a Vanilla Visa Gift Card at XXXX in XXXX XXXX, CA for {$500.00} with a value of {$500.00} in early XX/XX/2023. 

Somebody used my card to fraudulently make a purchase of {$490.00} at a XXXXXXXX XXXX in XXXX XXXX, California. 

I live in XXXX California and have not been to XXXX XXXX in years. 

I have filed multiple disputes with Vanilla internal dispute process ( XXXX ) and have been given the run-around for 2 months now. I am extremely frustrated and don't like being scammed of $ XXXXI am filing a CFPB complaint as I feel like I'm wasting my time trying to recover my funds directly from the vendor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX requested I file a police report for identity theft, contact credit bureaus, and Federal Trade Commission.
Product: Money transfer, virtual currency, or money service

I refer to the payment in the amount of USD XXXX that was rejected by JP MORGAN on XXXX XXXX 2022. 

I wrote to the bank and also wrote to the US Treasury Department, but no one answered what I could do to get the money back. I will be glad if you can help me.
Product: Credit card or prepaid card

This bank is allowing strangers to use my available balance. They are also overcharging me for XX/XX/2020. I will contact the police if they do not stop bothering my credit card and banking accounts. I had an available balance of {$53.00} yesterday. The bank is allowing someone to access my credit card. I do not have any friends or associates to steal money from my checking or savings account. I paid a large payment on XXXX of 2020 yet I am farther over my limit. Why is that? Someone would have to back track my balance and available credit the last couple of months. This is ridicilious. How did I have {$53.00} available yesterday and now its {$53.00}. A stranger is causing my balance to go over the limit. My payment keeps increasing.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
Reference num. XXXX  Account from XXXX XXXX XXXX

For the amount of XXXX
I never seen herd of these people or company ever
Product: Debt collection

The debt is claimed by PAYPAL CREDIT CARD Services. I have attempted to resolve this with the company to no avail. 

This has been going on for several months and despite my providing proof from the vendor that no credit card charge was made by me on the dates and amounts, they persist in sending me statements slapping on late fees. 

These are the details of the charges : XX/XX/2019 : {$740.00} XXXX XXXX XXXX XXXX XX/XX/2019 : {$740.00} XXXX XXXX XX/XX/2019 : {$640.00} PLUS LATE FEES I am attaching copies of my XXXX XXXX bank statements from a few months before XX/XX/2019 and a few months after XX/XX/2019 that show that NO charges to XXXX XXXX XXXX XXXX and XXXX XXXX occurred on not only my XXXX statement but on statements before and after. 

I also included an email from XXXX XXXX XXXX XXXX accounting department that they had no charges from me XX/XX/2019 2019
Product: Money transfer, virtual currency, or money service

At XXXX on XXXX, 5 guys approached my friend and I and took my XXXX. One was able to open my Chase Mobile Banking app using my XXXX XXXX  while the other 4 were able to distract my friend and I. Once into my Chase app, he then XXXX  himself {$2000.00} and deleted my Chase app. Once I got my phone back, I redownloaded the Chase app and locked my card and attempted to file a fraud claim, which the department was closed. In the morning ( XXXX on XXXX ), I was able to call and file the claim with Chase . The night of the incident, I was able to file a claim with XXXX, as well as a police report. XXXX stated that since it was made through the Chase app, they could not help, and Chase said that since it was from my phone, it was authorized.
Product: Checking or savings account

Economic Stimulus # 3 was Direct deposited from the money card to my account and immediately withdrawn through XXXX compromising relationship with my family member insinuating that the family member is the mastermind of this scam. I reported it to the IRS who directed me to the money card company who directed me to the bank who directed me to XXXX but the bank don't know the contact information for XXXX. I have all related documents with me. Please advise.