23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XXXX morning my XXXX Credit report alert went off for a supposedly XXXX dollar balance that was supposedly 30 days late. I had already paid this even though my account was paid in full on XX/XX/year>. I dont use this XXXX XXXX very often. But, I paid the XXXX dollars prior to the thirty days bc I dont trust XXXX  The manager I spoke to told me that she submitted some type of urgent update to totally remove the negative false information. She said in 24-48 hours it should be clear. As of today it still isnt corrected. I called witch manager at XXXX today and she basically called the other manager a liar and told me to contact the credit bureaus. She was XXXX help and honestly didnt care that this is going to ruin me. I contacted XXXX and things went from bad to worse. The guy was a complete XXXXXXXX  and told me he couldnt do anything. This is the only negative thing on my credit and it dropped my credit score from over XXXX to XXXX. I farm and Ive got two term loans up for renewal in a week. My personal and business are mixed. This is going to ruin me business wise. I dont know if the bank will even renew them and this is land notes. PLEASE, help me get this removed ASAP! I filed disputes with the credit bureaus but honestly this has been a joke.
Product: Credit card

See attached highlighted statements. This is the information that has been provided to Optum bank. All highlighted charges are fraudulent. Only XXXX card issued to myself and I was in possession of the card at all times. I have been trying to get this issue addressed since late XXXX. I am told they credited some charges from XXXX  but have yet to see the statement proving that this occurred. XXXX XXXX with Optum Bank was working the issue but dropped the ball!! I attempted to call her several times and never received a call back. She was the only individual who said that Optum Bank does have the statements I sent with the highlighted fraudulent charges. 

All other individuals I have corresponded with indicate that need me to send the fraud charges else they can't help. It is just mind boggling the games Optum is playing.
Product: Credit reporting

TRANS UNION have reported XXXX incorrect bankruptcys on my credit file. i contacted courts about. they informed it could be computer error or somebody with same name. XXXX Bankruptcy Clerk informed they do not verify or validated bankruptcy with credit bureau. Trans Union informed me after responses that it was verified. I have a letter from court informing they did not verified. Trans union is still reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inquiries that appear on my credit report, as they are the result of identity theft. I previously submitted an identity theft report through the Federal Trade Commission ( FTC ) and have attached a copy of this report for your reference. Despite my submission, I was informed that these inquiries were deemed valid ; however, I respectfully disagree and urge you to reassess this matter in compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Reporting and Accuracy Act ( FCRAA ). 
The unauthorized inquiries in question are as follows : Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block information resulting from identity theft from a consumers file once the consumer provides :
Product: Credit reporting or other personal consumer reports

I had opened a credit card with a company called Upgrade prior to my bankruptcy being fully discharged. When my bankruptcy was discharged, Upgrade was notified of it and they shut my card down. I had called many times letting them know that they werent parent of the bankruptcy and that they needed to open my account, they said if I provided proof the bankruptcy was discharged, I could get my account back open. For months I submitted paperwork via email and followed up with phone calls only to get the runaround. I finally had run out of patience and asked to speak with a manager, the manger said that there was no way they would be opening the account and that they have determined it was part of the bankruptcy. I confirmed that I was no longer responsible for the debt, and they refunded me 2 months of payments that were made while the account was shut down. I then noticed they were reporting to the credit bureaus that the account was past due, so I disputed the account using XXXX XXXX and XXXX. They came back saying the debt was verified so I immediately called Upgrade to find out why they were reporting the wrong information. They tried to tell me that it was now determined that the debt was not part of the bankruptcy and that I am now responsible for it. I told them they were wrong and to go back and review the phone call I had with the manager which he clearly confirmed I was not responsible for the debt and that it would be discharged as part of the bankruptcy. They said they would investigate this but given the trouble I have had with this company I wanted to take this to someone who can actually help me. My credit score is horrible right now because of what they are doing, which is reporting bad information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX XXXX XXXX XXXX provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents. 

The XXXX accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents. 

The XXXX XXXX XXXX account listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX XXXX XXXX provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents. 

I'm constantly receiving emails from Experian stating that my request to remove fraudulent identity theft information from my credit report was made in error which is false I'm disputing it because these accounts were opened due to identity theft and XXXX has already removed these accounts from my credit report also, I don't need to submit proof of identification or proof of address with my being a victim of identity theft. This is my third attempt to contact Experian, remove these accounts immediately. I'm submitting all documents and proof of the emails I'm receiving from Experian do the work and work the investigation completely because it's no way XXXX and XXXX are able to see that I'm an identity theft victim and Experian isn't.
Product: Debt collection

I have no knowledge of this collection acount. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v, Gravens ( mo ) 281 SW 715,719, i preume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Furthermore, In accordance with the Fair Credit Reporting Act Progressive Management Systems 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 an account wothout written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regions bank is not following applicable bankruptcy laws. I filed Chapter XXXX bankruptcy on XX/XX/2021. This included the two lines of credit, credit card and checking account from Regions bank with the negative balance. These debts were discharged XX/XX/2021. Regions did not attend the meeting of creditors. Yet regions continues to report these accounts as charge offs. These debts are no longer collectible as the debt has been discharged should be reflecting as such to each credit bureau with a {$0.00} balance. Including in void and early warning services. Lastly regions is what caused the bankruptcy to begin with. They allowed an identity thieve to open two lines of credits and a credit card in my name. I previously reported that to regions which they did nothing about. After I filed bankruptcy since the theft caused damage to my health as well as credit and life. I have a fresh start.
Product: Bank account or service

I open the Citibank checking account back to XX/XX/XXXX because Citibank has a promotion. 
it state that to qualify for a XXXX cash bonus, open a new consumer checking account in the Citibank account package by XX/XX/XXXX Within 30 days from the date you opened your new checking account, deposit XXXX or more in a new to Citibank fund into your new checking or new or existing Citibank saving plus account. 
A minimum balance of XXXX is required to be maintained in the new checking account or new or existing Citibank savings plus account for XXXX consecutive calendar days following the date you made your qualifying deposit. 
The bonus will be received 90 days from the date of the qualifying transactions. 
on XX/XX/XXXX, I went to the branch to see what happen with my XXXX bonus, the branch told me she will send the claim to the customer service but it will take 48 hours to response to me. I kept waiting for the answer. Finally i got the response on XX/XX/XXXX it said my account has meet the requirement to receive the incentive for the amount of XXXX. 
I assume I should get it by XX/XX/XXXX. I called the customer service on XX/XX/XXXX to follow up my case, they told me I better go the branch to find out what 's going on with Bouns since i opened the account there. XX/XX/XXXX, I went to the branch, the branch made the phone to trace my bonus. Again, they told me It takes 5-7 days to process my bonus Up to date XX/XX/XXXX. I still have n't seen the XXXX bonus in my checking account. I feel so frustrated the way CITIbank they handle the case. I thought Citibank should be honor what they promise on the promotion. It seems like a scam, why they keep delaying the payment.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. 
The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. 
Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Reason : Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent.

Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.
Product: Debt collection

On XXXX XXXX XXXX Wakefield & Associates located at XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX received written communication from me requesting that they validate debt that is being reporting on my credit reports. One of the debt is {$1200.00} and the other debt is {$950.00}. I asked the company to provide me with proof that I signed off on to validate that both debts are indeed my own. The company has failed to do so. Wakefield & Associates is collecting a debt from an unknown medical practice. This company has yet to provide me with the requested at nearly 30 days now. For all that I know, the original creditor could have sent over fake receipts etc. Again, this company has failed to validate the said debt they are attempting to collect.I do n't know who the original creditor is, what they are billing me for, nor proof of me physically signing off to agree to be billed
Product: Credit reporting, credit repair services, or other personal consumer reports

OneMain Financial submitted credit application with out any knowledge of application, after contacting Branch Manager XXXX XXXX and OneMain Financia, they claim that NO application was ever submitted, but XXXX sent a offer for my information to be possessed as a credit application.
Product: Credit card or prepaid card

I tried to call the Credit Report agencies and it was ignored. 
I called Sychrony Bank/Amazon and they said it was under review. I didn't open the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX 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: Bank account or service

I applied the Citigold checking account XXXX XXXX by signing up for its promotion offer - a bonus of XXXX miles upon fulfilling its requirements. 

1. One day after I opened the account, I called Citigold customer service, the rep confirmed that I was indeed signed up for the promotion. 
2. In XXXX XXXX, upon completing the requirements for the promotion, I emailed Citigold customer service again. I soon received the following confirmation email that I indeed completed all requirements. 

" From : XXXX XXXX XXXX Date : XXXX Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Welcome to Citigold, my name is XXXX. It would be my pleasure to review your promotion completion status. 

I am glad to confirm that you have completed all requirements for offer code XXXX and the XXXX bonus miles will be credited by Citibank to your XXXX account within 90 days from the end of the statement period in which you complete all offer requirements. Your 90 day waiting period will begin at the end of XXXX. Please keep in mind this waiting period is standard for all promotions and can not be waived. " However, five months later, I contacted the customer service again asking why no miles were posted to my account. I was told that I ca n't get the miles because I was not on their initial target list. 

I said I would be OK with the new decision if Citibank was willing to refund me the {$60.00} Citigold service fee I was recently charged. I would have not opened the Citigold and paid the fee if it was not for the multiple confirmations from their customer service. 

Citibank replied with refusal to refund the fee, and re-affirmed the refusal to honor the promotion I signed up for, despite what their reps confirmed in the past.
Product: Credit reporting or other personal consumer reports

Good morning, Today I am complaining about the CRAs for improperly reporting inaccuracies on my Consumer report, not updating or removing the inaccurate items being reported and for reporting a Bankruptcy that shouldnt be reporting if the COURT never reported. I went up there to see the documents and they said they do not reprint anything to the CRAs and gave me document to upload here to have it removed. I also included the letter in the attachments but I have sent this FORMAL LETTER to them multiple times certified and nothing has happened. 
Accounts in question : Bankruptcy ( all 3 CRAS ) XXXX ( Equifax )
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have been in deferment due to an Income-Driven Repayment plan I am enrolled in. A new application has to be submitted annually in order to have your circumstances reviewed for any changes, and then a decision is made as to whether a person can continue in the plan. I originally submitted my re-certification for Income-Driven Repayment ( IDR ) play onXX/XX/2019 at which time I was unable to upload my filed tax documents via the IRS website ( when filling out the application you are routed to the IRS website in order to retrieve your filed income tax documents to prove your income for the previous year ). I tried several times but continued to have no success ; therefore, I opted to submit my application and tax documents via U.S. mail. I did so the following day, and assumed all was well. Fast-forward to mid-XX/XX/2019 and I received a notification regarding my credit report. At that time I realized my credit score had dropped well over 100 points due to my federal loans being reported as delinquent. My report shows I missed 2 payments, XX/XX/XXXX and XX/XX/XXXX, but that is not accurate as I was supposed to be enrolled in the IDR plan. Additionally, it says I am 120-149 days past due, which is again wrong because 1. I am enrolled in the IDR plan and 2. They are only reporting 2 missed payments, which is 60 days not 120-149. I resubmitted my IDR application on XX/XX/2019, and this time I was able to transfer my tax documents directly from the IRS. I received the approval for my application on XX/XX/2019, and was advised my monthly payments would be {$0.00}. I have submitted a letter to the XXXX XXXX XXXX to ask for the delinquent items to be removed from my credit report as I should have been enrolled in the IDR plan all along. I have not received anything back to date. I am now receiving letters from credit card companies saying my available credit limits are being decreased as a result of these delinquent items. I desperately need these items removed. I have recently updated my contact information with the XXXX XXXX XXXX because I realized they had outdated information. Per my specific IDR plan I do not have a monthly payment as my income is not enough to permit a payment ; therefore, my credit report should not reflect late payments as I do not have monthly payments to even be late on. I would greatly appreciate any assistance in regards to this matter, and hopefully can get the situation resolved before any further irreversible damage is done to my credit. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands and my credit reports. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX  XXXX, the Account is up to date. We have been making the required payment of {$25.00} a month per their request and have not missed a payment. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.
Product: Vehicle loan or lease

My car was purchased in XX/XX/XXXX at XXXX XXXX, they got me financing through Ally Financial, also purchased XXXX XXXX, my payments were outrageous with good credit XXXX a month for a used XXXX XXXX. Purchased insurance from XXXX and thought everything was fine, not to mention the XXXX XXXX. On XXXX XXXX my car was stolen and found in XXXX, Maryland Totaled, XXXX is telling me did not have coverage to pay for stolen when I called to make sure it was Full coverage for a Financed Car, the coverage that was renewed went from XXXX to over XXXX a month, I called them, they said I was covered, my mother who offered to help since the expense of having my used car was over XXXX dollars a month also called XXXX and they said everything was fine, she said I hope so for over XXXX a month, than she said I need to make sure it is faxed to Ally Financial, so she faxed it over. I deserve an explanation from both Financial and Insurance why it is my responsibility to pay for a stolen car and why all of a sudden I do not have the proper coverage, something is fraudulent and I am livid. Ally and XXXX should have communicated with me and each other, but all I heard was Crickets. So I need someone to explain how the insured was at fault for the torn-up vehicle when he was not driving and conclude that the insured was negligent. The liability should be sufficient in a stolen car situation because the insured was not the driver, and it was property crime was with uninsured motorist driver, apparently now in Maryland it is a Property crime.
Product: Credit reporting or other personal consumer reports

I dont see my credit accounts on my report and I need them to also verify any inquiries visible on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not furnished me a signed contract showing that I have a valid debt with them. This account needs to be removed off my credit report because this is a violation against the law, XXXX. This letter that was sent is from XXXX whom I do not have a signed contract with also, radius global has failed to XXXX XXXX valid proof of debt with them. Remove this account off my credit report