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

The account with CitiBank had to be closed because there were fraudulent charges and the company racked up fees and delinquency charges while we attempted to negotiate with them over the fraudulent issue. A hotel XXXX in the XXXX XXXX forced us ( at threat of XXXX XXXX ) to pay our bill, even though the entire stay had been prepaid through XXXX. Citi 's fraud protection should have covered the risk but they refused to reverse it. Their response to our claim is that no information was provided showing the bill ; however proof of payment ( see attached ) was provided to them in 2019 showing the hotel was paid through XXXX, and then paid again with the Citi card when we left. 
Additionally, this merchant was the ONLY creditor who did not agree to work with us in 2019 when we had a job loss in the family. As you can see by the credit report, all other creditors closed the accounts and set up payment plans for us. Citi was the only creditor who did not offer assistance or a payment plan. As you can see there are NO late payments showing for the creditors we worked with at the time of the job loss. All were contacted and offered monthly payments. Citi refused to reverse the fraudulent charge covered by the card terms and conditions ; they assessed delinquencies fees and reported lates to the credit bureau while we were attempting to work out payment on the account. This put the balance into an " over the limit '' status and even higher interest rates were charged. 
Citi did not uphold the terms of the card agreement, and engaged in usery by tacking on higher than normal interest rates and fees while the account was in dispute. We were taken advantage of by a company who tried to profit off our hardships.
Product: Mortgage

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX. XXXX XXXX XXXX Date Opened XX/XX/2004 XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is reporting fraudulent information that I am not aware of and did not authorize. Between the timeframe of XXXX XXXX XXXX. With banking institutions Citi bank and XXXXXXXX XXXX
Product: Debt collection

This was a debt from a company that I used to be a partner with, I sold my portion of the company and now XXXX years later, I got a collection reporting on my Credit Report. 

Even though it was not my debt, because it is hurting my Credit and was from my old company, I decided to pay it and had an agreement with a manager that if I paid it, they would remove it.

Please see attached the letter form the collection company along with proof of the transaction.

I would like this removed from all XXXX of the Credit Bureaus please as soon as you are able to see proof of this payment.
Product: Debt collection

i have to collections reporting to my credit report for a service I never recieved at a residence I have never lived at I provided proof of residency and identification ask requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the fraudulent account currently appearing on my credit report. Despite sending you my previous dispute letter and the required documentation to the Federal Trade Commission ( FTC ) as per your requirements, this account is still being reported on my credit report. I have contacted the bank associated with this account, and they have acknowledged the fraudulent nature of this account so the account was already removed from XXXX and XXXX. I have also provided the bank with all necessary documentation to support my claim. Please DELETE these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wasn't able to get investigation results regarding my dispute for these accounts despite of several letters I sent to the credit bureaus. 
XXXX  Account # : XXXX | XXXX  Account # : XXXX | XXXX  XXXX XXXX  Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 



XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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

Dear Madam or Sir, this is a complaint in regard to the XXXX companies providing credit reports/scores. 

www.annualcreditreport.comStatement says right under website headline : " The only source for your free credit reports. Authorized by Federal Law. " Complaint XXXX in regard to advertising on the website : Annual Credit Report is not the only source for a free credit report. Instead and like other companies, they provide the free credit report BUT charge the consumer additional money to see their credit score. There is no difference in regard to other companies providing this service. 
Complaint XXXX : Annual Credit Report claims to be authorized by Federal Law. There is no signed authorization by Federal Law that those XXXX companies can stand behind annualcreditreport.com as a monopoly. In addition, the foregoing and behavior is very much consumer unfriendly. 
Complaint XXXX : the credit report companies disclose different credit scores to consumers working with annualcreditreport.com than to lenders ( for example banks ), without notable or reasonable explanation to consumers. Usually the credit scores provides to lenders are lower than credit scores provided to consumers. Just to give you an example on how consumers feel in regard to the differences between consumer credit reports and credit reports disclosed to lenders ( feel free to check out the comments when scrolling down ) : XXXX the Best, XXXX XXXX XXXX not sure if the above short notes make any impact, but I think that I am not the only one who thinks that there is something MAJORLY wrong and needs adjustment on FEDERAL BASIS. Worth fighting for. 
Desired : - no credit score monopoly- absolutely NO credit score differences between credit scores information disclosed to and paid for by consumers, and credit scores disclosed to lenders.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

My ex-wife fraudulently opened and used a Home Depot credit card. I had an extremely hard time actually talking to a live person in the finance dispute office. In early XXXX I explained I didnt open the card nor did I authorize it. I never used the card. 
I put in a dispute. I Asked to have the card closed. 
I have gotten zero feedback, my credit score continues to DROP because XXXX XXXX keeps showing me as having late payments! I tried to follow up around XXXX the XXXX. I was unable to talk to anyone in the financial department. They sen you thru a bunch of prompts making it virtually impossible to talk to anyone.
Product: Credit reporting or other personal consumer reports

I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. TransUnion is reporting late payments on XXXX accounts XXXX XXXX XXXX Account XXXX and XXXX  XXXX  account XXXX or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave TransUnion written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to TransUnion violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking my Equifax credit report i notice i have a fraudulent account on report i reach out to Equifax and they have not fixed the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I submitted a request for my XXXX XXXX XXXX  with COMPLETE SOURCE DATA to LexisNexis ( See attached Supporting Document ) : As of the date of this communication, I have not received the requested report. Would you please provide a copy of my People Wise Report with COMPLETE SOURCE DATA? 

For verification purposes, I have included a copy of my identification and social security card. 

Thank you for your prompt attention to this matter.
Product: Student loan

XXXX - Applied for Borrower Defense Borrower Defense Application # : XXXX Borrower Defense Application School : XXXX XXXX XXXX XXXX  XXXX Borrower Defense Application Approved " YourRelevant Federal Student Loan debt will remain in forbearance and collections will be stopped until you receive relief. Your credit report will also be updated to reflect this discharge when it is complete. '' XXXX - XXXX Mohela because my loan was not in forbearance. They refused to put it into forbearance for me even though XXXX XXXX XXXX specifically indicates that it has to remain in forbearance until the discharge is completed. Contacted FSA who also could not help me, but suggested I file a complaint. 

XXXX - Filed FSA complaint against Mohela ( Feedback Case # XXXX ) XXXX - Received email from Mohela stating " According to our records, an Exceptional Discretionary Forbearance has been placed on your loans for the periods of XX/XX/XXXX through XXXX/XXXX/XXXX. The Office of Federal Student Aid ( FSA ) had sent MOHELA notice to process a Borrower Defense to Repayment forbearance onto the account per your claim. 

XXXX - My Mohela account reflected end date of XXXX/XXXX/XXXX XXXX - Mohela took me out of forbearance and payment due XX/XX/XXXX. Emailed Mohela XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Tried several times to reach by phone. Unsuccessful. 

XXXX - Contacted FSA who was not able to help me. Filed a 2nd complaint ( XXXX XXXX # XXXX ) XXXX - Contacted FSA Borrower Defense. They said I had to contact Mohela to place me into an administrative forbearance, and could not help me. 

XX/XX/XXXX - Payment overdue. Next payment due XX/XX/XXXX. Sent several emails through Mohela account - no response. Called Mohela yesterday ( XX/XX/XXXX ). Finally got through to someone who kept putting me on hold and then we were disconnected. Did not receive a call back even though they verified my phone number and asked my permission to call me back if we get disconnected. Tried calling twice this morning. Hours indicate they open at XXXX. Called at XXXX and XXXX and message indicates that they are closed, but that their hours begin at XXXX. I now am past due and have another payment due XX/XX/XXXX. How do I get Mohela to put me back into an administrative forbearance?
Product: Checking or savings account

I attempted to login to my account ( s ) with XXXX on Wednesday, XX/XX/XXXX and was unable to do so, due to the following error message received : " Important : We locked your account to protect it from suspicious activity. To unlock it, call XXXX. ". I called as instructed and was informed that XXXX XXXX decided to " end our relationship '' and will close my account. I was not informed of any reason. Additionally, I received an e-mail on the same day, stating I can access the letter on my account online, of which I don't have access to get to my account online ... What's even worse of not being told anything, any outstanding checks will bounce and I can not even do anything because I was informed it will take 10 business days to close the account ( s ) and additional time for me to obtain access to my funds. I would understand if the funds are being withheld to cover any outstanding checks, but that's not the case. I was specifically told that any withdrawals of any kind will not be honored and not be accepted. So what's the reason of withholding my money and literally for several weeks I will have absolutely no access to any of my money for absolutely no reason. I've been a customer with XXXX since XXXX or even before and also used their services.
Product: Debt collection

Account Resolution Services, LLC received my Cease and Desist communication on XX/XX/2021. They were to stop reporting this invalid debt and never stop reporting the information. Account Resolution Services, LLC never verified the debt nor did they produce an agreement that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging Account Resolution Services, LLC investigative process and for them to provide the agreement under penalty of perjury. Account Resolution Services, LLC was supposed honor my cease and desist order for ALL communications, but the company stated that reporting to consumer reporting agencies wasn't considered communication. As a debt collection agency, Account Resolution Services, LLC should be aware that communication is defined in the FDCPA as the conveying of information regarding a debt directly or indirectly to any person through any medium. Isn't Account Resolution Services, LLC conveying information regarding an alleged debt to a person or persons known as a consumer reporting agency through a medium known as my consumer report? This is a violation of the FDCPA under 15 usc 1692c ( c ). Account Resolution Services, LLC also said that another company " referred '' the alleged debt. I challenge Account Resolution Services, LLC to provide proof of this " provider agreement '' under the penalty of perjury. I would like to bring to Account Resolution Services, LLC 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Because of Account Resolution Services, LLC failure to follow my cease and desist order and their multiple acts against the FDCPA, I will be pursuing remedy for all injuries against me pursuant to 15 usc 1692k. I demand deletion of this account and the companies bond information. This is complete FRAUD. I have attached the proof they sent which was nothing but a account number. This debt has been continued to be reported inaccuracies have been ruining my reputation and left me unable to purchase a home or a vehicle. Laws like these were made for consumers not to be took advantage of and if you just look at the proof provided by Account Resolution Services, LLC you will understand that I am probably not the only consumer life they have harmed. Publishing deceptive forms and continue reporting for 11 months almost a year after receiving the cease and desist.
Product: Money transfer, virtual currency, or money service

I Am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their despite resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and Financial Loss, and I seek appropriate redress for these Violations.
Product: Checking or savings account

Dear CFPB official, I am a customer of Chase Bank in XXXX ( XXXX XXXX ). On the XXXX and XX/XX/XXXX there has been some restaurant shopping in XXXX, CA, XXXX XXXX, CA and XXXX XXXX, NV totalling approximately {$130.00} with my debit card. During these dates ( XX/XX/XXXX and XXXX ) I was out of state in Utah and Idaho with my family for holiday. The debit card which was claimed as physically used in California ( where my residence is ) fro restaurant shopping, was also with me in my wallet. After I came back from holiday I noticed these suspicious transactions and called the fraud line. They cancelled the old card and told me to destroy it which I did. They said they will do an investigation and come back to me. They did actually and they debited my account for these transactions as they believe I did these transactions in person and try to deceive the Chase Bank as if I never did. And this is totally unacceptable to me. I never ever my entire life went to those restaurants ( XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX ) let aside dining there. 
I say the debit card was with me at the time of incident and they say the vendor told the card was physically used at the shopping. So there are three possibilities either I am lying ( which I dont! ) or the vendor is lying or the debit card is copied. So the officials of Chase Bank told me today that they believe the vendors not me. They don't even use the benefit of the doubt that I might be saying the truth! They told me that I can go to the Police! 
As an ex-XXXX for 25 years, this approach is totally unacceptable and I can't and I won't tolerate this treatment. 
I was out of state and I can prove with my XXXX XXXX XXXX Credit card statement as there are transactions I did on the day of this incident where I was in Utah and Idaho. One can spot my location ( and my family 's location through my operator XXXX at the time of this incident ). 
In the meantime, I almost never use my debit card except for gas stations ( seldom ) and for my daughter 's tennis club payments. So this is clearly a fraud which involved copying of my card and for that as a customer there is nothing I can do. The Chase Bank should accept this and stop accusing me as if I am a thief. The Fraud department should do their job properly and stop engaging prejudice against the customers and try to listen to them as well and use the benefit of the doubt when possible. 
Since they told me today there is nothing I can do within Chase Bank I am writing to you. I hope you can help me to get my rights. I am not after a 100 plus dollars but I am after my reputation. I want Chase Bank to give those amount back to my account and apologize for what they did. 
Thank you very much for your help best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have he right to privacy.

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

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX in XXXX Louisiana Fraudulently ran my credit more than authorized without approval. And furnished illegal 3rd party non public Transactions and Experiences XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX