23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recently had all my XXXX credit card accounts ( Active since 1989 ) cancelled, without notice by Citibank. I discovered this, while attempting to make a purchase on XXXX of the cards. Upon calling the Citibank Customer Card Services XXXX #, I was informed that no information was available. I was advised to write a letter to their Security Services Division, located in XXXX XXXX, S.D. 
I subsequently received a written response, that stated Citibank was using their account agreement discretion, to close my accounts without prior notice. I had also asked about my points balance, averaging XXXX per card and they chose not to respond. 
What is my recourse if any at this point, as my account was always current with Citibank and will this have a negative effect on credit score?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA XXXXFailure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXX.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXXFailure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXXImmediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX
Product: Debt collection

Falsely reporting to XXXX, and XXXX debt opened XXXX XXXX, 2014. This is not accurate. Please provide copy of written agreement that created this alleged original requirement to pay. I demand this debt collector stop all debt collection and stop falsely reporting to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Small Business Loan for {$32000.00}, was taken out for a LLC entity, under the Entity 's EIN. The Lender, XXXX, included my personal information, and residential address without my consent. And now this loan is showing up under my personal credit report, although I was told by the company that this would report on my business credit to help my business grow. Because of this incident, I am not unable to purchase my dream home, after I was approved for my home loan. My score was lowered and debt-to-income ratio is affected. I only gave this company permission to run a soft credit check, but nothing else per my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my report today and found the following errors still remain on my report. They have 10 business days to remove this information or I will sue them in civil court on the 11th business day. Enough with this XXXX! I have all of the complaints and written proof of my disputing these issues clearly written in English for any lay person to understand. They don't seem to and want to continue the charade of misinformation on my reports expecting to wear me down. The only thing they've done is XXXX me off! 

1. The XXXX XXXX is an error made by Trans Union 's staff who obviously need eye glasses. This has never been my XXXX. I've lived in UT for 1 year as of XX/XX/XXXX and that box number has never been mine! I have written proof of my correct XXXX at the time it was issued to me in XX/XX/XXXX. If they do not REMOVE that incorrect address I will sue over it. 
2. XXXX  XXXX XXXX XXXX XXXX- they show 2 descriptions of how the debt was paid on my actual credit report I ran as " payment after charge off/collection '' and " settled, less than full balance ''. It should be the latter, CORRECT IT!

3. XXXX XXXX XXXX- this continues to reflect that I disputed this account on my real credit report, when I never did! If it is NOT REMOVED I will sue! I have written proof of exactly what my disputes requested. I will be happy to show it to a judge! 

If these problems are not corrected in 10 business days and I'm not notified within that time frame I will sue. We're not playing the 30, 45 and 60 day game any longer. Fix it or meet me in court!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to follow up the previous CFPB complaint I submitted requesting the correction and update of the erroneous accounts being reported on my Credit File. When I checked my credit record, I discovered a billing problem reported by some of the accounts on my Credit File. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Please remove the late payments from these accounts to appeat accurate information on my Credit File. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX XXXX Balance {$54000.00} XXXX XXXX XXXX XXXX  XXXX Balance - XXXX XXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX. I also noticed that there are unauthorixed inquiries being reported on my Credit Report. AS far as I remember, I did not initiate these inquiries. Under the Fair Credit reporting Act, I am requesting that you remove the following inquiries from my Credit File as soon as possible : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. In any case you believe that the disputed accounts and inquiries are accurate, I am requesting that you send me copies of proof of verification from your investigation. If you can not support your claims, immediate correction or removal of the negative marks on my Credit File is greatly appreciated.
Product: Checking or savings account

I have been with KEY BANK for some time. I have review my Check Account and figures has been arrange for me to receive multiple overdraft fee for withdrawal which was pending but subtracted from account. I have receive 5 over draft fee in one week from the bank not withdrawn fund on time. It seem they are holding fund in order to process the over draft fee. I can submit a full print out on how the bill withdrawn overdraft fee. the system is always updating and not showing the correct information online. I receive a overdraft fee from the OVERDRAFT FEE they applied ( example XX/XX/19 acct was at a XXXX by the next day it was {$38.00} over draft fee applied XX/XX/19 another overdraft fee of {$38.00} ). I would like for this complain to go to the highest source regarding key bank. Online banking is currently down ( no figure ) for me to show how these account are being arrange.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Capital One credit card that has reported me several times in the past 3 months resulting in a 30, 60, 90 days late. I called up after the Corona Virus outbreak. I made an arrangement with them to break down the payments into 3 different parts which I paid on time. As it turned out in a taped conversation on Wednesday XX/XX/XXXX ( or XXXX ) at XXXX PCT. In that conversation I was never told that I would be reported late even though I made the payments as per the agreement. The emplyee in the collection department apologized for the " miscommuniction '' but said she could not do anything. I asked her if this apology was for her or the company. After she realized what she said she refused to answer my question on whose behalf she was speaking for. This is a scam. Further more they deleted any late fee 's as a courtesy. Again, they misrepresented themselves in the terms. In addition, they told me that in the original contract that is is stated in the contract I originall signed with them back in 2006. This was told to me after the fact. 

I ask you to subponea the taped conversation on the dates above. As I said it was either of the dates and order them to delete the late payments for this credit card 30 30 60 90 Quick Siver Capital One credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an accounts on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the following accounts would be promptly updated. 

XXXX XXXXXXXX XXXX XXXXXXXX. 

Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and has notified Experian of my identity being tampered with. I have requested for unauthorized inquiries to be removed from my report. There are several unauthorized inquiries that needs to be blocked from my credit profile. 

My request is for the following Creditor inquiry to be Blocked XXXX XXXX : Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Checking or savings account

I had an unauthorize transaction in my XXXX account, managing by Payfare on XX/XX/2023 for XXXX dollars. I called to support and they said that they were going to cantact me. I was waiting for more than 20 days and nobody called me. I called again and they said that because of the time that passed they weren't able to solve the problem and that I had to contact the store to fix it. I change my PIN number because they did not want to send me a new card, they said that I needed to pay for replace my old XXXX XX/XX/2023, I had another unauthorize transaction for XXXX dollars, this transaction was in IA and I'm living in a different state. I called again and XXXX times they hanged the phone.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Formal Complaint Against Navy Federal Credit Union ( XXXX : XXXX ) for Privacy Violations and Negligence I am submitting this formal complaint against Navy Federal Credit Union ( NFCU ) for serious violations of consumer protection laws, unauthorized disclosures of sensitive financial data, and a clear failure to safeguard my financial information as required under CFR 313 and other legal frameworks.

I previously contacted NFCU to notify them of their breach of contract and policy, including their unauthorized disclosure of my credit utilization data and financial transaction history to third parties without my consent. I explicitly demanded a remedy for this breach and required that they cease these disclosures, but my concerns have been ignored entirely. This neglect demonstrates a blatant disregard for their contractual obligations, privacy policy, and my rights as a consumer.
Product: Credit card

This account was a joint credit card with Discover card the account was to increase my credit score. I did not use the card nor did I have a card to use. The primary card hold was doing me a favor, but ended up hurting me. I 've been trying to get my name removed from this card and trying to get it removed off of all my credit reports. The primary card holder abused the card and was n't paying the monthly payments. The only way I found out that the bill was n't getting paid I download an app to see how my credit score was looking boom it popped that the account I have joint with has n't been paid for months and that it was maxed out. I am trying to buy a house with that joint account with her it 's preventing me to accomplishing my goal in purchasing a home. Can you all please do something to get that account removed from my credit reports and taken. I 've have lost large amount of money trying to pay this off on something I did not use. Its to the point now where I can not continue paying for something I did not use or have access to.
Product: Credit reporting or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX C Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS SUPERIOR XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT
Product: Credit reporting or other personal consumer reports

On XX/XX/, I issued a notice to Experian to update information regarding this account. However, I recently received notification from Experian on XX/XX/, stating that the dispute was complete. Upon reviewing the outcome, it became evident that the instructions provided were not followed as per my clear and conspicuous guidance. 

Federal law expresses that EXPERIAN must have written consent from the consumer to furnish information to their credit report/profile.
Product: Student loan

My loan servicer, AES, failed to notify me that I could consolidate my FFEL loans and be eligible for the CARES ACT interest and payment pause. In 2020, when I asked them if I could be eligible for CARES ACT pause, I was told no. I was not given any information on the potential benefits of consolidation or even informed that was an option. It was not until recently, towards the end of the pause period that I learned, through my own research, that I could benefit from this. I feel like AES had a duty to make a glaringly obvious notification to inform their clients about possible benefits of Direct consolidation during the pandemic. Instead, they were shady and withheld this information for their own gain. I continued making my full monthly payments, throughout the pandemic, while a struggling new mom working as an XXXX XXXX with a reduced paycheck. Had I been properly informed of my ability to consolidate and pause my payments and pause my interest, I would be in a much better situation financially. My student loan obligation during the pandemic caused undue financial burden for my family and contributed to severe stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A debt collection item in the amount of {$120.00} from Eastern Account System appeared on my credit reports. It showed the original creditor as XXXX XXXX XXXX XXXX but I have not been a XXXX customer since 2021 and I paid my final bill when I canceled. Eastern Account System never attempted to contact me by mail or by phone about the debt. I received no information about my right to dispute or about how to pay the debt. I sent a validation request to Eastern Account System at all the addresses I could find for them. They never responded but the collection item has since disappeared from my credit reports. I am concerned it may reappear on my credit reports without notice in the future since Eastern Account Solutions does not seem to be good at communicating with debtors or following debt collection laws. I would like them to provide confirmation in writing that there was a mistake and I do not owe any debt to them or XXXX XXXX XXXX XXXX.
Product: Debt collection

This debt keeps popping back up on my credit report in different amounts. I am not sure if XXXX has sold it to one company who then sold it to another company and so on and so on. The debt has been satisfied a long time ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX journey was in arrears by I think it was around {$1700.00}. A tow truck did come and pick up the car. However, we paid the full amount and received the car back. The car was never repossessed. Ally financial initiated the process, but never went through because we paid the arrears. Now, the car is being reported on my credit report every month, and it showing that I have made absolutely no payments for the year of XXXX. I have tried to fix this with the company to no avail. We still have the car and have been making on time payments since we have received the car back. I have argued with everyone and no one well help me. The balance reported on my credit report is wrong, we have the car and have attached a picture of the balance owed, and that we have the car. I also attached a picture of paying the {$1700.00} to redeem the vehichle.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX