23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Right before thanksgiving, XX/XX/year>, I was a victim of fraud/scamming. I immediately reported it to my bank and filed all the appropriate paperwork. I was guaranteed I did everything right and there are no other connected accounts and no one else will be affected by this. I was assured the account was blocked from all transactions depositing and withdrawing from the account. 4 days later my paycheck was deposited into the account although I was ASSURED that wouldnt happen and Id get my paycheck. Later on my sisters account was wiped 4 separate times amounting close to {$8000.00}. Citibank states they have a right to drain related accounts. But once again Citibank told myself, my dad, and my sister that our accounts arent connected in anyway and that they have no idea how her account was even touched. We later find out they had our social security numbers filed as the same person. Which I have been trying to resolve for years. Once again I have gone into several branches and asked them to change the social on my account to my own as it always gives me a hard time and locks my account stating my social doesnt match on the account. The fraud department directs me to go into a branch and they will resolve this then when I go in the branch employee says they wont do anything and says I have to call fraud back. We have been going in circles for months and Citi is refusing any debits to either account and still hasnt closed the fraud case. Each time I call trying to get an update they say the account does not exist yet money keeps transferring to the account. So Citi is scamming their members by not clearly seeing fraud that was reported then wiping other peoples accounts and stating they have the rights to do that. Yet everyone Ive talked too in person or over the phone is baffled how the money was even transferred.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed that there were fraudulent accounts, incorrect public record reporting, as well as, numerous errors in the addresses, telephone numbers, and employment information on my credit report. I then filed several disputes with the furnishers of the information by way of the credit reporting agencies. I then sent additional information to the creditors after they requested it. I did inform them that the items were because of Identity Theft and I also sent in the proper documentation in the form of a Federal Identity Theft Report, A Dispute Affidavit signed and notarized informing them of what I was requesting, per my rights as a consumer under the FCRA ( Section 623 ( a ) ( 6 ) and Section 623 ( a ) ( 2 ) ) ( Section 605 ( B ) and Section 605 ( f ), the accounts that I was requesting to be blocked or deleted because of the ID Theft, ( Section 623 ( b ) ( 1 ) ( E ) ), as well as the remedy for the effects of the Identity Theft. Both the credit reporting agencies and the creditors themselves. received copies of all this information and for the most part, they both basically ignored the laws of the Federal FCRA 15 USC Section 1681-1681y, Section 623 ( a0 ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) Reporting Inacurate Information 623 ( e ) Accuracy of Information Provided by CRA and the XXXX  of said information.623 ( a ) ( 2 ) Duty To Correct and Update Information These are some of the laws that they have broken.
Product: Credit reporting or other personal consumer reports

Accounts with Issues : XXXX ( Account # : XXXX ) Status : Closed. 

Issue : Account lists " Paid satisfactorily '' but includes incorrect payment history reflecting late payments during periods marked as " OK. '' This may violate FCRA 609 ( b ) concerning accurate reporting. 

XXXX ( Account # : XXXX ) Status : Open.

Issue : High balance ( {$1200.00} ) compared to a credit limit of {$7500.00} but marked " OK. '' This could be flagged for excessive utilization inaccurately affecting credit scores. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX ( XXXX, XXXX, XXXX ) Status : Seriously past due/ assigned to attorney or collection agency. 

Issues : Discrepancy in account type : Listed as " Open account '' with XXXX and " INSTALLMENT '' with XXXX. 

Past due balance of {$1100.00} across all bureaus flagged as " collection account, '' but no payments are reflected in the two-year history.

Violates FCRA 609 ( a ) ( 1 ) due to inconsistent reporting and FCRA 607 by potentially misclassifying the account.

Non-Account Holding Inquiries : XXXX XXXX ( Date : XX/XX/year> ) - XXXX XXXX XXXX XXXX ( Date : XX/XX/year> ) - XXXX XXXX XXXX XXXX XXXX ( Date : XX/XX/year> ) - XXXX XXXX XXXX ( Date : XX/XX/year> ) - XXXX, XXXX These inquiries are unauthorized and may violate FCRA 604 ( c ) by failing to meet permissible purpose criteria.

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccuracies and Unauthorized Inquiries in My Credit Report Dear CFPB, I am writing to formally dispute inaccuracies and unauthorized inquiries on my credit report as obtained from XXXX, XXXX, and XXXX. Below, I detail the specific issues : 1. Inaccurate Account Reporting : XXXX ( Acct # : XXXX ) : Discrepancies in payment history suggesting incorrect reporting. 

XXXX ( Acct # : XXXX ) : Unreasonably high credit utilization flagged as " OK. '' XXXX XXXX XXXX  ( Acct XXXX : XXXX ) : Discrepancies in account type and reporting of past due balance without supporting payment history.

2. Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries lack permissible purpose and violate the Fair Credit Reporting Act ( 604 ).

Requested Resolution : Deletion of inaccurate and unauthorized items from my credit report.

Compensation of {$1000.00} per violation under FCRA provisions.

Confirmation of resolution in writing.

Thank you for addressing these matters promptly.
Product: Payday loan, title loan, or personal loan

Received check in mail from XXXX XXXX for {$800.00}. Before the check could be deposited to my bank I had to call a number to get verification number. to activate check ... .Called, spoke to lady gave her additional information that she ask me about. Deposited check the next day. 2 days later checked my bank and they had had the check returned stating problems with endorsement. Called them, they could not find an answer, talked to my bank, they were confused as to why returned check. Then corporate office calls me and says sorry it was a mistake on our part. Gave no reason why. Then told me I would have to get all this personal information of mine and come to the store and give them all this to get check reissued. And that was the only way. Sounds funny to me. Sounds like that's the way they run their business. Making me have {$1200.00} overdraft with my bank. and now can't pay bills because of this ... I intend on complaining to everyone I can. This was definitely a scam.
Product: Student loan

I don't have the exact dates as I have recently received a new job, and I sent the fax through my old work email. But, I have sent a request to have late payments removed from my XXXX  XXXX   account because they should not be on my account. XXXX XXXX and myself had my loans in deferment from XXXX XXXX, and from XXXX XXXX. If my loan was listed as in deferment for that period of time, then I shouldn't have any late payments on my account. This is severally affecting my credit score, and right now I am trying to get a new home but I am not able to because my credit score is slightly too low. I have already filed a dispute with XXXX  and XXXX ( I am waiting on XXXX  because I have to create an account with that bureau ). The dispute with XXXX has come back as finding my dates accurate from XXXX, but non of the late payments were addressed. I am aware that XXXX XXXX makes money off of late payments, which is why I am sure they are reluctant to switch this around, but this is really affecting my chances of getting a home. Also, I am sure, beyond a shadow of a doubt, that this has to be affecting multiple people and, unfortunately I can not report this to the XXXX XXXX XXXX because it is for a federal student loan. If there is anything the CFPB can do, I would greatly appreciate it. If you can actually do anything I will gladly find any and all documents you need, however, I do not want to waste my time if there isn't anything that can be done.
Product: Mortgage

Here in Colorado my mortgage company was bought out by Lender Live last year ( about 11 months ago ). Since then Lender Live 's website has been nonfunctional and erroneous despite my numerous requests that they fix it. The website would not allow me to enter my account numbers properly for some reason. They claimed it was because I have ( and use ) an XXXX XXXX. The result has been my payments are late and Im penalized over their errors. Also I have been told several times for several months ( at least XXXX ) that the problem was being addressed. Most recently when I finally was able to talk to a manager I was told that there was nothing being done to fix the problem. I have been lied to repeatedly and I put in several unanswered requests that a manager contact me. This company has no responsibility for what they say whatsoever. Attempts to contact the company on the phone results in at least 30 min to an hour of time spent and a supervisor or management is almost never available.
Product: Credit reporting or other personal consumer reports

Ive been patient long enough, but its clear that my repeated efforts to address the accounts in litigation on my credit report are being ignored. These accounts are inaccurate and should not be affecting my credit score.
Product: Credit reporting or other personal consumer reports

In 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 card

XX/XX/2023 discriminatorily denied extension of credit applicant has in good faith acted on one of their rights under the federal credit laws
Product: Credit card or prepaid card

On XX/XX/2023, I received an email from my cable provider ( XXXX ), that my automatic payment to XXXX XXXX XXXX XXXX XXXX XXXX  ( issued by Comenity Bank, bread financial ) had failed. On XX/XX/2023, I called the XXXX XXXX XXXX XXXX XXXX  customer service number. I learned that my card was canceled due to suspicious activity, and that I would be receiving a new card with an explanation in the mail. On XX/XX/2023, I received the new card, but there was no explanation. 
Again, I called the XXXX customer service number, to ask why my card was cancelled, and also to inquire about receiving a payment for my points. I was then told that my points had been redeemed on XX/XX/2023, and that the suspicious activity involved a change of email address on my account, and that theyd make a note of the missing points ( {$23.00} ) and a supervisor would call me in 10-15 business days. 
Then, on XX/XX/2023, I received a letter from my cable provider that I was being charged a {$25.00} returned payment fee. I again called XXXX XXXX XXXX XXXX customer service and asked if they would cover my late payment fee. I got a very rude customer service representative, who told me they would not cover the fee, because the fee was on their card. Obviously, when I received the automatic payment failure notice from the cable company, I immediately paid my bill with another credit card, because it was due and I did not want to incur late charges. Unbeknownst to me, my XXXX XXXX XXXX XXXX was cancelled approximately a week earlier, and I was without their card until I received the new one approximately XXXX weeks, later. 
On XX/XX/2023, I again called XXXX XXXX XXXX XXXX customer service to inquire whether they would cover my XXXX cable {$25.00} late fee, and they said No Do banks not have cyber security insurance? I use a credit card for protection. 
In addition, I still have not heard back from a manager on the missing rewards points on this card. 

I posted on my XXXX page, and XXXX of my friends said she also had this XXXX XXXX, and she also found out it was canceled when it got declined while trying to purchase gasoline. 
It sounds as if Comenity had a widespread hacking ( theft of rewards points ) issue, and cancelled and replaced a large number of XXXX XXXX XXXX XXXX XXXX, without notifying the card holders. 
However, they are not covering cost incurred by the card holders for transactions failures due to the sudden cancellation of the cards.
Product: Checking or savings account

Td bank needs to send info faster. I have been waiting for them to report my recent transactions to XXXX XXXX ( mobile app, payday advances ) so I can cash out since XX/XX/XXXX. I  am not able to cash out without the bank properly reporting my recent transactions in a timely matter.
Product: Debt collection

On XX/XX/2021 Harris LTSD added a derogatory mark on my credit report XXXX XXXX XXXX XXXX XXXX per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Harris LTD has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Bank account or service

I bank with XXXX a division of Synovus. I have been a customer of theirs for almost 5 years now and have never had an issue until this month. In the end of the month of XXXX 2016 I was assessed several overdraft fees that I should not have been charged for, as I had a positive balance. After calling and speaking with a supervisor, they refunded half of the service charges. Then again at the end of XXXX 2016 I was assessed XXXX overdraft charges, and XXXX of them were in error. After calling the customer support center again, they only refunded one of them instead of both. This is becoming a problem that has already cost me over {$100.00} this month. As I said prior, I have been a customer of theirs for several years and just started having these issues this month. After speaking with them today, they told me that they would no longer refund any overdraft transactions, including if it was an error on their part. Being a consumer, this made me very upset and is the reason I have decided to file a complaint against them.
Product: Debt collection

filed complaint XX/XX/XXXX # XXXX that this is debt is not mine.received letter dated XX/XX/XXXX offering discount settlement.never shopped at store listed. ss # listed on debt is not mine
Product: Credit reporting or other personal consumer reports

Received letter from XXXX stating my application for a credit card had been declined because of negative report provided by XXXX. I DID NOT apply for a XXXX card. When I pulled credit reports I did find the XXXX request on XXXX I called XXXX and they would not provide information about the false application but said they would report the fraud to XXXX. I contacted XXXX and they said I should file this report. I also checked Transunion and XXXX. Neither had a hard inquiry from XXXX but both had one from XXXX XXXX which I had not applied for. I contacted XXXX. They would not provide any information about the application and were not cooperative. I called Transunion and they said to file this report and mail them a copy. I have not called XXXX but I assume they will tell me the same thing. I have frozen my account at all 3 agencies.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, IN XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$150.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX disputing the validity of this debt with XXXX XXXX XXXX XXXX, they have CHARGED OFF the account and since this is a charge off and a charge means you are no longer attempting to collect, I can't pay or validate something if you're not attempting to collect. They are also in violation of the following laws listed below ; FCRA VIOLATION 15 USC 1681a ( 4 ) - respect to the consumers right to privacy.

FCRA VIOLATION 15 US code 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

FCRA VIOLATION 15 USC 1681a ( 2 Exclusions ) ( A ) ( 1 ) - report containing information solely as to transactions or experiences between the consumer ( individual ) and the person ( corporation ) making the report ; in this matter i XXXX XXXX am the consumer ( individual ) and XXXX XXXX XXXX XXXX is the person ( corporation ).
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed an unexpected increase on my credit report from XXXX XXXX. I did not authorize or request this change. I contacted ALLY FINANCIAL XXXX XXXXXX/XX/year> and was either given incorrect information, no resolution, or no response. This change has negatively impacted my credit score, and I am requesting its removal.
Product: Debt collection

I have reviewed a copy of my consumer report and observed that both the consumer reporting agency and the alleged " creditor '' have provided my information without obtaining my proper consent. It is evident, as per the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681B, that they must either possess my written consent or have legal authority from a court to share my information on my behalf. I want to make it unequivocally clear that I do not consent to the sharing of any of my information by these entities. 
In accordance with the FDCPA, I am issuing a cease and desist order to halt all illegal activities related to my information. This includes ceasing all forms of communication, such as phone calls and emails, and the dissemination of my data to any third parties without my explicit consent.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, hereby submit a formal complaint to the Consumer Financial Protection Bureau regarding the incorrect reporting of a late payment on the account referenced above ( Account Number : XXXX ). I have requested verification and proper documentation of the late payment from Wells Fargo Auto, but have yet to receive satisfactory proof. This reporting, if left unresolved, is damaging to my credit and violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete reporting. I am seeking immediate correction and removal of this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX Account Number : XXXX 30 days late inXX/XX/XXXX, 60 days in XX/XX/XXXX,XX/XX/XXXX, 30 days in XX/XX/XXXX, and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act BEST BUY/CBNA USA has violated my rights with Account # ending in XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : 1261 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.