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

I AM XXXX XXXX AND ABSOLUTELY XXXX XXXX XXXX WHEN OVERSEAS OR WHEN HEADSETS OR WHEN AN INTERNET OR IP MULTI LINE SYSTEM IS USED. I AM FORCED TO YELL. 

RECENTLY, MY CREDIT CARD HAS BEEN CLOSED AND I KNOW FOR A FACT THAT IT IS DUE TO MY XXXX, YET CITI CARD TELLS ME THAT THEY ARE ALLOWED TO CLOSE MY CARD AT ANY TIME AND THAT IT IS ALLOWED AND THY DO NOT HAVE TO GIVE ME A REASON AND NOW BECAUSE I AM XXXX   AND XXXX XXXX XXXX I MUST PUT ALL IN WRITING. 

THEY HAVE TOTALLY DISCRIMINATED AGAINST ME TO THE EXTREEME AS MEDICALLY THIS SHOULD NEVER BE DONE AND CITI CARD HAS BEEN TOLD THEM AND HAS RECEIVED LETTERS FROM MY DOCTORS SAYING THIS ALSO. 

TO CLOSE MY ACCOUNT DUE TO BEING XXXX XXXXXXXX AND NOT WILLING TO ACCOMODATE A XXXX PERSON IS SICK. THAT IS EXACTLY WHAT THEY HAVE DONE TO ME AND HOURS JUST TO GET A PERSON WHO I CAN XXXX AND MORE. 

I AM TOLD OVER AND OVER THAT THAT NO ONE HAS HAND HELD PHONES EXCEPT SUPERVISORS. SEVERAL SUPERVISORS HAVE ALSO REFUSED TO MAKE SURE I CAN XXXX. 

YES, MY CARD WAS CLOSED DUE TO MY XXXX AND I DO KNOW THAT IS TRUE. 

I PAY FAR AHEAD, AND AM ALWAYS ON TIME ALSO, SO IT IS MY XXXX   THAT UPSETS THEM AND NOW THEY THINK THEY HAVE A RIGHT TO CLOSE MY CARD DUE TO NOT WILLING TO ACCOMODATE XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I went looking at open houses and had no intention of buying a home. 
I have never inquired about a loan or gave my social security number but somehow it was obtained by a leader at the place I was working at and had to quit because I got an injury. That same month I got a call on a phone that only work had by a man who claimed to be a Sheriff with XXXX County Sheriff Department and told me he was told I was an XXXX XXXX. This leader name was XXXX XXXX. Suddenly I was getting calls on the phone from lenders. They claimed I filled out applications for mortgages which I never did and XXXX XXXX wife worked in a rental office where she was able to run credits inquires on anyone. I found this XXXX/quicken Inquiry from XX/XX/2017 I never applied to them I called them and they refused to remove my name. All my homes I have ever bought I paid cash for or my first home I paid off the mortgage in 15 years and lived there for 26 years. I turned off all my credit cards after my husband died. I know my ID was stolen and it's now on the black web.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my report. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Has been provided with personal information regarding my credit Profile without my consent. They claim to represent XXXX XXXX which I do not owe any money .they have used this information to hurt my credit I need them to stop as I research the damage to my personal credit. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO. XXXX has obtain my private personal information without my written consent and used this to hurt my credit. 
XXXX XXXX XXXX another debt collector using my personal credit profile reporting inaccurate information and intentionally hurting my credit again I have not given written consent for them to use my private information they have hurt my credit and it is beyond repair. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX OR. XXXX Has provided my personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX a debt collector that has illegally and with total dis regard mishandled my private information and hurt my credit. I have included more.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

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

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Debt collection

I recieved a notice from Midland Credit Management , Inc. ( MCM ) that I owed an " original Creditor : '' XXXX ( South Dakota ), XXXX. and that the current balance was {$18000.00}. It does not describe what the debt is for or any details concerning it. I have no knowledge of any such debt. 
MCM offers a 70 % discount if I pay {$5500.00} by XX/XX/2015. 
I have never failed to pay a debt in my life. 
I called the phone number which is on the front page of their notice, at least XXXX places, XXXX times over a three day period and recieve a recorded answer : " All circuits are busy, please call back later '' or " Call can not be completed, try again later '' " message TX XXXX MN. ''
Product: Checking or savings account

I deposited my paychecks on XX/XX/XXXX, as usual at the bank. On XX/XX/XXXX they returned several items and still had a hold on my funds. When I called I was transferred to the fraud department where a supervisor named XXXX said the hold was placed per regulation CC and could take XXXX business days
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX XXXX bankruptcies on my credit report. I did not sign any paperwork to be involved in a bankruptcy. My husband filed the bankruptcy and lawyer advised him to add my name without my permission. I had the courts to remove me, but it is showing me being dismissed on my credit report. I should have not been involved in the bankruptcy in the first place. Can your please remove from all XXXX of my credit reports asap? I have been fighting this issue for 4 years and no proper investigation has took place. They will send me verification from XXXX XXXX. The clerk of the court house said they do not provide information to the credit bureaus. So no proper investigation was ever done. Please remove bankruptcy from my XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : credit inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX late payment XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX personal information : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX Employers : XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$32000.00}, {$4700.00}, {$5800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account.
Product: Checking or savings account

I have opened citi bank checking and savings account on XX/XX/2019 expecting the bonus of XXXX $ + XXXX $ account opening bonus. I have met the bonus criteria and i have been repeatedly told by citi customer care team that I am eligible for bonus and will receive the bonus in 90 days from XX/XX/XXXX. I kept my money in their account in hope of receiving the same. After waiting for more than 90 days from XX/XX/2019, I didnt receive the bonus. So i ended up calling the customer care and opened a dispute case with them. While opening the dispute case also, citi bank representative assured that I will receive the bonus in 20 business days. But today dispute has been finished and they are mentioning that i initially funded my account with " Citi Global transfer '', which I didnt. They coded the initial accoutn opening transfer I have done as Citi global transfer. I didn't had any other citi bank checking account ever in my name.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Request for Investigation and Correction of Student Loan Payment Reporting Dear Sir/Madam , I am writing to file a formal complaint concerning the handling and reporting my student loan payments by the Department of Education XXXX Despite making all necessary payments, which the servicer acknowledged as satisfactory, my credit report continues to reflect past charges marked with late payment remarks. These inaccuracies adversely affect my credit score and my ability to secure financial services. 
Account Details : Loan Servicer Name : Department of Education ; however, a collection agency called to set up payments Account Number : XXXX Dates of Disputed Late Payments : Several occasions. 
I have previously contacted the Department of Education on multiple occasions to request the removal of these inaccurate late payment remarks from my account history. Despite these efforts, the servicer still needs to amend the credit reporting, which has led to ongoing financial and personal distress. 
The servicer acknowledged the payments as satisfied, which should not have resulted in any adverse remarks on my credit report. The persistence of these inaccuracies contravenes the Fair Credit Reporting Act ( FCRA ), which stipulates the need for accurate and fair credit reporting. 
Therefore, I kindly request the Consumer Financial Protection Bureau to : Conduct a thorough investigation into the handling and reporting of my student loan payments by Federal Student Loans.

Ensure any inaccuracies in writing late payments on my account are corrected promptly.

Require [ Loan Servicer Name ] to remove any adverse remarks related to the disputed late payments from my credit report. 
I am prepared to provide additional information or documentation supporting my complaint. I hope that with your intervention, the inaccuracies in my credit report will be corrected, allowing me to move forward without the undue burden these errors have placed on my financial well-being. 
Thank you for your attention to this matter and your assistance in upholding the integrity of consumer credit reporting. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I was seeking to refinance a new vehicle loan to lower the rate that I received with the dealership. I was immediately denied for the sole reason of " causing a loss '' over 20 years ago when I filed a bankruptcy. The amount owed was repaid under the terms of the bankruptcy and was agreed to by Navy Federal. However, the remark is attached to my profile for XXXX They won't even look at my income, collateral, credit score, or history since discharging the bankruptcy. They are more than happy to take/hold my money but I am forever barred from borrowing from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent in a letter to TransUnion a few weeks ago to dispute an inquiry that I did not authorize. In response, I got a letter from TransUnion stating ( in short ) that its important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily on XX/XX/2022 and Ive been trying to figure out how is it important if its still showing up on my credit report since its an inquiry Ive never authorized and its an inquiry that I have no knowledge about whatsoever. Before I even sent this inquiry letter to TransUnion, I requested for the creditor to send a letter to TransUnion and myself to remove the hard inquiry but they refused. Got in contact with TransUnion via XXXX and spoke with XXXX. I explained this issue to her and she gave me the number to contact to help assist me with the next steps to take especially if its fraud. I then contacted TransUnion by the number that XXXX gave to me the same day ( XX/XX/2022 ) and I got in touch with someone. She told me that they could not remove the inquiry. Im very frustrated and its really hindering my ability to obtain more credit. Any help would be greatly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

This report is to highlight my view of Experian and their interaction with people whose information they collect. 

Background : My personal birthdate information was displayed incorrectly on my information on the Experian web site. They have a dispute link to report incorrect information. I used this link and reported the issue, and provided an approved government issued document to provide the correct information. 

Problem : Experian sent me an email ( XXXX ) dated XXXX XX/XX/2019, XXXX XXXX. This email stated Hi ( my name ), your dispute results are ready, your disport report number ( number withheld for this complaint ) results are ready for review. And then they have a link to click to view results. I opened the link to review results, and the results had not been corrected. 

Problem Two : After some amount of difficulty, I was able to speak to a live dispute representative, and explained the entire scenario to them, including the dispute report number, the fact that I had received an email informing me that the result of the dispute are ready for me to review, and that the dispute had not in fact been corrected. 

The representative explained to me that the results would not be updated for approximately 30 days due to the type of Experian membership I have. I asked her, why Experian sent me an email stating the dispute results are ready for my review if the report has not been updated for my review. 

Basically at that point, the dispute representative hung up the phone without further explanation. 



My general view of this interaction : Experian does not value nor respect the people whose data they collect. I believe to Experian, my information is nothing more than a data point that they use and sell to other financial institutions. I do not have the ability to take my business to another credit bureau, there are no commercial consequences to Experian for their misbehaver in their treatment of the data points they collect. 

Experian lost control of my personal data some years ago, and since then, I have experienced several attempted identity fraud events which I have reported to local law enforcement. Experians solution to this was a one year free credit monitoring service, but I can for a fee of {$19.00} per month contract with Experian to provide additional identify coverage to resolve a problem that they created. It reminds me of the protection racket run by criminals, they would damage or rob your store and then later they would approach the business owner and offer protection from future damage or robberies from occurring for a monthly fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen in the past and some of the inquiries were not done by my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had student loan debt. My tax returns were offset and when I retired the payments were garnished from my retirement payments and sent to the treasury department for disbursement for loans. In late XXXX I received a payoff letter. currently I have delinquent loans on my credit report however as of today XX/XX/XXXX those loans are listed with XXXX as having {$0.00} balance. XXXX is stating I owe for a loan that XXXX is reporting has {$0.00} balance. Talking to a representative of Navient I was told that the loan was probably transferred to XXXX. If so. why is XXXX still reporting on the same loan for the same exact loan type and disbursement date that XXXX is reporting with no balance as of today. Im confused and my credit is bad. The loans are Group ID, XXXX XXXX and 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 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: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : n accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
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 please remove or Delete from my report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several requests over to the credit reporting company to investigate or even re-investigate my requests to provide signed documentation to support the negative items shown on my credit report. XXXX has refused to show proof that an actual investigation was performed, and after only 3 days of receipt and acknowledgement of the request, the credit reporting agency simply updates the items as accurate and choses to notify me electronically that the negative items will remain on my report. The notification of status update is done by electronic means as opposed to mail as requested. The rejection to perform the necessary requested investigation and the refusal to provide copies of the ask for documentation is a clear violation of my rights under the FCRA. Requests in writing started in XX/XX/2022, XX/XX/2022, XX/XX/2022 and again in XX/XX/2022. Investigation requests has been submitted in writing and were requested to respond in writing as well as provide actual signed documentation to support the results of the investigation has well exceeded 30 days and still NOT YET been received. The credit reporting agency has ignored my requests and it has far exceeded 30 to 45 days ; its been months later.