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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX : {$180.00}
Product: Credit reporting or other personal consumer reports

Please see attachments. 

Citi Bank has been illegally reaging this account. 
There has been no agreements or communication with said party since last payment of XX/XX/XXXX for this account to be reporting activity, per the law. 

Bank raged the account XX/XX/XXXX as a missed payment for an entire year. 
Information is inaccurate and incomplete. Doesnt correlate with other CRAs, amounts are wrong, payment statuses wrong, account status wrong, date to come off is inaccurate etc California statute is 4 years, not 7. 

Late payments were marked as paid on consumer reports, but late in reality. 
XX/XX/XXXX it was 3 months past due, but not reporting XX/XX/XXXX is when it shouldve legally been charged off. 
Says closed on XXXX in XXXX, XXXX, XXXX say XXXX was the last payment. XXXX, XXXX another late payment on a closed account, thats reaging. 

XXXX through XX/XX/XXXX theres nothing ; all incomplete They also received a 1099A IRS form to write off the debt a letter was sent to CitiBank regarding it and requesting to delete the account. 

The debt was also covered in the finance charge in the insurance premium. 
Its also being sold to debt collectors. Both collectors were unable to verify. 

All of this is all AFTER an alleged verified dispute. 


I will sue for fraud, negligence, and a plethora of consumer violations. 

Date of last payment XX/XX/XXXX XXXX BANK STATEMENT ATTACHED CALIFORNIA LAW SAYS FOUR YEARS, NOT SEVEN
Product: Credit reporting or other personal consumer reports

According to the FCRA my federally protected rights have been violated XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized No permissible purpose 15 U.S. Code 1681b - Permissible Invasion to my right to privacy
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2023 a loan was applied for in the amount of {$35000.00} to Best Egg using my identity. My name and address was used but the email address that Best Egg showed was not mine. The loan was denied due to to many inquiries. Nothing wrong with my credit report rating. 

The email used for loan application was XXXX and phone # used was XXXX which was my old number from years ago. 

I am sending you a copy of the letter I received from Best Egg and Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Managment has opened a debt on my credit burea report on XX/XX/2019 claiming I owe {$1200.00}. I have not received notice of this via phone nor mail. I have also reported this to the credit bureau, as well XXXX to Midland Credit Management for verification of this debt. 
I do not owe debt to Midland Credit Management, please have this removed from all 3 of my credit reports.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I applied for unemployment benefits and I chose to get the money by using the Way2GO Card. I did not get the first card sent to me. I was able to call, talk to them and tell them my problem. They sent me a second card. When I tried to activate the second card it says the card has been blocked due to fraud. 
I have tried so many times to reach my phoneWay2GO Card by phone and I have not been able to reach them. I have called millions of times, different times and different days but it is not possible to talk to these people. Since I have not been able to register on line I do not have a pin number which they require every single time I try to call and follow the instructions over the the phone. 
I have not been able to get my money for a while now. 
I have been having this issue since XX/XX/2020. I would appreciate your attention towards this matter please.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX Experian shows my account negative on the report until 2022 and there has not been no late payment in 24 months. there should be no late negative for that long before the account goes positive considering its been paid on time for the past 24 months Will with the FTC on ongoing incorrect information and why its 4 years to go Positive
Product: Debt collection

I disputed this debt from Midwest Recovery Systems on XX/XX/18 with CFPB and on XX/XX/18 Midwest responded back that their client was unable to validate and a record of deletion would be sent to all 3 credit reporting agencies. That was never done but after a little back and forth with Midwest the debt was deleted from XXXX and XXXX but not XXXX. I tried to contact Midwest again but nothing was done. I also contacted XXXX  and I sent XXXX the response in which Midwest stated a letter of deletion would be sent to all credit reporting agencies and XXXX keeps stating debt is valid but it clearly not. It is way over the 30 days in which Midwest Recovery Systems stated it would take to have dent removed and XXXX still has debt on my credit report. I am still in the house buying process and this invalid debt needs to be deleted by Midwest.
Product: Credit reporting or other personal consumer reports

This account was oppen sometime earlier this year. It took about 3 or 4 months for me to catch it. I immediately contacted Discover. They notified whomever opened the account and I assume could not make contact. The account was closed immediately do to not being able to actually ID THE person who opened the account. Discover deemed they had not enough proof of if identity and shut it down. This was removed from my XXXX  and XXXX reports. For some reason I'm getting a lot of trouble removing it from XXXX. The account was literally closed by Discover for not being able to identify the owner. MORE PROOF IT WAS NOT ME THAT OPENED THIS. THIS NEEDS to please be removed until Discover can provide actually proof of ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # 39 ; s. On XX/XX/2019, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate bankruptcy on my credit report, I have disputed several times, and Experian results came back verified each time. I was told that Experian receives verification from XXXX XXXX, I disputed the bankruptcy through XXXX, and after their REINVESTIGATION BANKRUPTCY RECORD was determined Unverifiable and REMOVED. 

Attached is the letter from XXXX XXXX as proof.
Product: Credit card or prepaid card

Citibank Yanks {$1600.00} in Costco Rewards Points and Closes Visa Card Account Without Warning After years of paying my Citibank Costco Visa on time and in full EVERY month, Citibank closed my credit card account WITHOUT WARNING several days ago and took the {$1600.00} Costco rewards points my husband and I had accumulated over the past year by spending tens of thousands of dollars at Costco. They said they closed the account because the payment I made for the most recent bill failed to process due to insufficient funds. I explained to both Citibank AND Costco that I was in XXXX for work when I scheduled this payment, and that, due to Internet access  restrictions in XXXX, I was not able to view the bank account balance to confirm that the account contained sufficient funds to pay the bill in full. However, as soon as I returned to the US and received a notice about the failed payment, I paid the bill immediately, in full, from a different bank account. 

After trying to use the Visa card this past weekend and having transactions declined, I called Citibank customer service to find out what was going on. They said the account had been terminated, the {$1600.00} Costco rewards points were now no longer in existence, and there was nothing they could do since THEY closed the account. Citibank said they had sent me a letter explaining that the account would be cancelled. We never received any letter. When I asked them on the phone to tell me why the account was cancelled, they were unable to provide a reason. When I asked that they provide me with a copy of the letter, they said that was not possible. 

Citibanks only response was to say I am welcome to apply for a new account! ( a new account that would of course come with {$0.00} reward points ).

Right now, I am just really frustrated. I feel like someone has just stolen {$1600.00} out of my pocket and after I found the perpetrator, they wont do anything about it. Unless this issue is resolved and the reward points are returned to me, I will never do business with Citibank ever again.
Product: Debt collection

Good afternoon I am writing you today do to an error I have been dealing with. Two days ago on XX/XX/XXXXXXXX XXXX  I saw a debt collector collection notification on my credit report. It was for XXXX XXXX XXXX and the debt collector property receivables. 
The back story, I moved out of th address listed in the document over 2 years ago. I was removed off the rental lease and property as of XX/XX/XXXX the remaining tenant, was later evicted XXXX. 
However this eviction and collection is now showing on my credit WRONGLY. 
I contacted the collector company again today and the agent who attempted to assist was highly unprofessional and ended in trying to argue with me and defensive. I can say I was upset as all of this hit my credit and is now preventing me from buying my car at a decent interest rate or being approved. This is the only collection on my credit which is now a high impact. THIS ERROR has caused extreme suffering and stress. I need a vehicle and now o have to wait even longer and deal with a company who is making it more stressful and being extremely unpleasant to deal with. I have sent the company proper documentation. I have done all steps necessary on my end, and instead of compassion and understanding during this errors and mistake on their CLIENTS END they have been difficult to deal with. 
I have also reached out to the management company in regards to the error as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent letters to Experian, XXXX  and Experian regarding the incorrect addresses that are reporting on my credit report. It should only be one address reflecting where I currently reside and that address is : XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. Please contact these bureaus and tell them to comply with my request, I have sent my utility bill with a letter requesting removal 3 times now and nothing has been done. I also have a collection reporting with all three bureaus from XXXX. I know for a fact this is not my account because of the inaccurate opening date that is being reported on my credit reports. This debt collection company is reporting incorrect information on me of an account that is not mine and I want it removed immediately. 

XXXX XXXX XXXX Original Creditor : 11 XXXX  XXXX  ) - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus numerous times to delete the personal inaccurate names on my credit report. I submitted a copy of my driver 's license and social security card as well. Those inaccurate names still have not been deleted per my request. 

15 USC.s 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Inaccurate names to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, I am a US resident who opened an account on binanceXXXX XXXX and didn't know about the changes that happened with that website ( I didn't receive an email about the change and I know others who didn't ). I had invested a small amount into binance. com in XXXX and had left it there. When I logged in, the website informed me that I am a US user and they can't provide services to me. I was instructed to reach their customer service. 

Now I can't confirm my identity in the website ( since I am in the US ) and the withdrawal function in my account has been suspended. I sent documents for verification to customer service on XX/XX/XXXX to " XXXX XXXX '' ( email below ), but haven't heard back. 

Below is the email I received from Binance. I have not received anything since. Please let me know if you can help. My XXXX ID for Binance is # XXXX. 

XXXX XXXX XXXX Binance XXXX XX/XX/XXXX, XXXX XXXX Dear user, Thanks for your inquiry. 

Upon checking, we found that the withdrawal function was suspended due to the withdrawal risk control. If you can not pass the self-help process online, please provide us with the following information for the account verification and we are going to help you through the ticket. 

Photo verification : XXXX. Both sides of your ID card or driver 's license, or If you would like to provide with your passport, please attach the information page only. 
2. Selfie with ID card, driver 's license or passport information page. 

Please record a video, including the following information : XXXX. Withdrawal recordsPlease login to your account and show the withdrawal records in your account. 
XXXX. Communication recordsPlease show in the video the emails between you and Binance CS via this email. 
XXXX. You also need to appear in the video and hold the information page of your ID document, and repeat clearly the following sentence : " Today is the year/month/day, my account is applying for withdrawal of XXX coins with XXX amount. I confirm that it is my own operation. I am contacting Binance CS to resume the withdrawal function of my Binance account XXX '' In addition, if you are able to provide the following information at the same time, it will help to confirm your identity and help speed up the review process. 
Security questions : XXXX. Account registration date XXXX. Account registration XXXX Thank you for your understanding and looking forward to your reply. 

Best Regards, Binance Support Team
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed a series of inaccuracies being reported as late payments. During the pandemic, prior to experiencing a hardship I reached out to the creditors to make an accommodation on the accounts to ensure my credit would not be impacted due to lay offs. Furnishing the late payments to my profile is in violation of 15 USC 1681 S-2 ( F ). Not only were the late payments covered by the CARES act during these periods, but I paid as agreed on the following accounts, XXXX XXXX, XXXX XXXX XXXX, and XXXX. Further furnishing late payments is also in violation of 15 USC 1666B, specifically with XXXX account. I've reached out to the CRA ( XXXX, Transunion, and XXXX ) attempting to resolve and have this information updated in XX/XX/2023 and XX/XX/2023. I requested verification and have not received a timely response. The late payments being reported are severely affecting me purchasing a home.
Product: Money transfer, virtual currency, or money service

I recently went to XXXX XXXX to pick up a few things, one of the items was a bottle of XXXX. Upon purchasing the item it charged me nearly {$13.00} for one bottle of XXXX when the sale price was half that at {$6.00}. I contacted CashApp to explain the situation and file a dispute as i was clearly overcharged. However one day later they get back to me and say they deny my dispute because of personal feelings which they believe Im lying or over exaggerating the situation. Who in the world has that legal right to discriminate and deny a dispute based off of personal feelings? I submitted facts showing i was charged that much for one simple bottle of XXXX but they refused to give me my money back that is also supposed to be FDIC insured by the way.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to information in my credit file. I recently received a copy of my credit report that XXXX, Equifax or XXXX publishes and after reviewing it I found a number of items on my report that are inaccurate. Im terribly upset after finding out that my report shows a series of erroneous items. 

I understand that XXXX, Equifax or XXXX should not be allowed to put an inquiry on my file unless I have authorized it. My credit reports showed credit inquiries that I did not authorize. I also have Extended Fraud Protections/Alerts placed on my credit files with my phone number listed requiring I be notified before my credit is accessed, that did not happen. 

The only inquiries from companies that should have had access my credit report are the following companies that I have authorized which are : XXXX XXXX, XXXX, XXXX and XXXX   XXXX for my home loan. 

These multiple inaccurate reporting practices has caused me to be denied after applying for new credit lines & is ruining my financial stability. This is unacceptable & they are obligated by law not only to correct what is erroneously reported, but also to remove what should not be in my credit report. Time is an important matter to me, and each and every one of the items listed below needs to be removed.

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please have the credit inquiries that are listed below removed immediately from my credit file as they are unauthorized and are related to none of the aforementioned permissible : XXXX/XXXX ( XX/XX/XXXX ) XXXX/XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) *This inquiry is 2 years old. 
XXXX ( XX/XX/XXXX ) XXXX XXXX/ XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX/ XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove all non-account holding inquiries from my credit report immediately as they are unauthorized!. 


I recently received a copy of my credit report from XXXX, Equifax or XXXX and after reviewing it I found a number of items on my report that are inaccurate and unauthorized. 
I have a Fraud Protection on my file so those inquires were not authorized by me. 
I advised XXXX, Equifax or XXXX, to no avail.
Product: Payday loan, title loan, or personal loan

{$1000.00} loan taken out from Allied Cash Advance that is now owed by Check  N Go, they contact my job repetitiously daily harassing me. If I send the call to voicemail th ey will attem pt 3 more  times back to back and again at the end of the day.     I finally answered the call today and advised again do not call my job again.     I have paid well over the amount borrowed and when the company was sold to Check  N Go th ey no longer called to ask for Authorization for payment they just went into my account monthly and took funds beyond the required amount. I finally closed my account and stopped the payments completely. They are chagrining ridiculous fees and the loan at this point will never be paid off.     I advised when I initially took out the loan 2 years ago that my job is never to be called as our calls are recorded and monitored for quality assurance and training purposes as my job also involves compliance with CFPB guidelines. The calls continue and now my job is in jeopardy.
Product: Mortgage

We have a mortgage through State Farm Bank. The beginning of the year they started generating mortgage statements/coupons on the XXXX of the month. Since then every month it takes XXXX 12 days for it to reach us. Our mortgage is due on the XXXX of the month, so the document reaches us about XXXX3 days before our due date. I have called & spoke with XXXX supervisors who basically say there is nothing they can do. When I have requested duplicate documents from the same location they ALWAYS arrive within 4 days. Is there something you can do so that we receive our mortgage payment coupon AT LEAST 10 days before our due date?