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

I am writing to contest the presence of an unauthorized accounts on my credit report, as provided by your bureau. Upon thorough examination of my credit report, I unearthed the accounts that I firmly believe is the product of identity theft. 

I have been made aware that other credit bureaus have already expunged these fraudulent accounts from their records. This raises significant concerns regarding the acuracy and timeliness of your bureau 's reporting practices. Despite my proactive efforts to address these issues, the account persists on my credit report under your bureau 's reporting. 

To bolster my claim, I have filed a formal complaint with the XXXX XXXX XXXX XXXX XXXX XXXX and have furnished the bank with documentation regarding the fraudulent nature of these accounts. I respectfully request that you conduct a thorough investigation into this matter and expunge the fraudulent accounts from my credit report. 

I anticipate receiving a written confirmation detailing the completion of your investigation and the removal of the fraudulent accounts from my credit report. Furthermore, I request an updated credit report reflecting the necessary corrections. 
The specific accounts in question is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I have received some funds on my PayPal account for mutual aid purposes. But for some reason, PayPal made all of my money on hold because they thought my personal account was used for selling stuff. And now for the next few payments, I receive through PayPal, the payments may be temporarily held for up to 21 days. I need PayPal to lift up these pending payments also put my money back on my balance and NOT on hold. The money is from my friends & family for my own personal and daily use. I'm not a seller and ALL my transactions are for mutual aid purposes. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Civil Liability A debt collector who fails to comply with any provision of the FDCPA is liable for Any actual damages sustained as a result of that failure Punitive damages as allowed by the court : In an individual action, up to {$1000.00} Inaclassaction, upto $ XXXX plaintiff and an award to be divided among all members of the class of an amount up to {$500000.00} or XXXX percent of the debt XXXX net worth, whichever is less Costs and a reasonable attorneys fee in any such action In determining punitive damages, the court must consider the nature, frequency, and persistency of the violations and the extent to which they were intentional. In a class action, the court must also consider the resources of the debt collector and the number of persons adversely affected Play some in a severe hardship XXXX XXXX Equifax and XXXX are refusing to remove or update the incorrect information that they have in file I need someone to help me I was unable to get My home refinance do you say incorrect information on my credit report I keep calling them and they state they going to remove it and he never did I have send XXXX letters No response
Product: Credit reporting, credit repair services, or other personal consumer reports

This account makes no sense at all if it's charged off why are you still reporting what day was the last activity is not stating any information that's important to give them the right to constantly be reporting whenever they feel is fit. 
XXXX XXXX XXXX {$3800.00} Paid, closed 47 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Secured Loan Balance Loan Amount {$3800.00} {$1700.00} Payment Info Status Charge-off Updated on XX/XX/XXXX Past due amount {$3800.00} Original loan amount {$1700.00} Monthly payment - Late payments XXXX  XXXX XX/XX/XXXX XX/XX/XXXX View more You've made 93 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX N N N N XXXX N N N N N N N N N N N XXXX N N N N N N N N N N N N XXXX  N N N N N N N N N N N N XXXX 30 60 90 120 N N N N N N N N 120+ Days Late 30 Days Late 60 Days Late N Negative 90 Days Late Data Unavailable Additional info Responsibility Individual Terms 26 Months  Company sold - Original creditor - Comments Affected by natural disaster Your statements - Contact XXXX XXXX XXXX XXXX XXXX , IL XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my deep concern and dissatisfaction with the credit bureaus for sharing my personal and credit information with third parties without my explicit permission. Over the past year, I have made multiple attempts to rectify inaccuracies in my credit report, but these issues remain unresolved. Additionally, no authorization has been given to the credit bureaus to share any information concerning my credit history with any third parties, yet such information continues to be disseminated. 

Here are the specific concerns : Unauthorized Sharing of Information : Despite never granting permission, my personal and credit details have been shared with various third-party entities, causing significant harm and distress. On several occasions, including on XX/XX/XXXX, and XX/XX/XXXX, I received notifications that my credit information was accessed by companies with whom I have no relationship. I did not provide any form of written or verbal consent for these inquiries. 

Inaccurate Account Information : Several accounts listed on my credit report contain inaccuracies. For instance : XXXX bank had incorrectly reported a balance of {$5800.00} on an account I closed on XX/XX/XXXX. I have disputed this error multiple times, beginning with a dispute filed on XX/XX/XXXX, followed by subsequent disputes on XX/XX/XXXX, and XX/XX/XXXX. 

XXXX is reporting XXXX late payments which is erroneous, as this account was settled in full. 

The credit reporting agencies have demonstrated a failure to address disputes : I have filed disputes regarding these inaccuracies with all three major credit bureausExperian, XXXX, and TransUnion. Despite providing ample documentation, including bank statements, letters from creditors, and proof of payments, these disputes remain unresolved. I submitted a dispute with supporting documentation regarding several inaccurate accounts, but the credit bureaus simply marked it as " verified '' without providing any substantial investigation. 

Negative Impact on Credit : The unauthorized sharing of my information and the continued reporting of inaccurate details have had a significant negative impact on my XXXX XXXX. As of XX/XX/XXXX, my XXXX XXXX has dropped by over XXXX points, affecting my ability to secure loans, credit, and other financial services. 

I have taken the following actions to resolve these issues : Filed formal disputes with the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Contacted individual creditors directly on multiple occasions to correct the inaccurate information. 

Sent letters to the credit bureaus requesting they cease sharing my information with third parties without my permission, with no response received. 

Despite these efforts, the issues persist. I demand that the credit bureaus immediately cease the unauthorized sharing of my information, correct the inaccuracies in my credit report, and provide a formal acknowledgment that my disputes are being properly investigated.
Product: Credit reporting or other personal consumer reports

My Kohls Capital One card went into debt due to natural disasters like Covid 19 i lost my job, house, car, money and everything and experienced homeless. I was now able to pay my kohls store credit card off in a settlement in XXXX and they promise me to delete it off my credit report in 30 days. So far they havent and it shows negative on my report and we are almost in middle of XXXX. They dont have a direct number for this problem. And kohls doesnt do business with the debt collectors no more so they cant even help me even though they sold my debt and stopped working with all debt collecters. I got approved for a new kohls card account and would like the old account removed because its paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out letters to Equifax, XXXX  and XXXX  on XX/XX/2021 about HIPPA Law Violation reporting on my consumer report. I have not received any response and its been over 45 days and thats a Violation. Also, Equifax, XXXX, or XXXX  also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts for the HIPPA Violation and the bankruptcy after I disputed and they are suppose to enter the notice within 30 days and its been 45 days.
Product: Checking or savings account

Remove three direct payment to three vendors and was charge {$31.00} for each account to stop the payment which was not late
Product: Money transfer, virtual currency, or money service

To : BANK OF NEW YORK MELLON 1 ) XXXX I made the assignment to XXXX bank ( XXXX ) to transfer XXXX XXXX to XXXX Bank ( XXXX ) due to the fact that these banks weren't on sanction lists at the moment. XXXX XXXX was sanctioned only on XXXX. 
2 ) XXXX Freedom bank without my assignment decided to send the funds via XXXX bank 's correspondent account in BANK OF NEW YORK MELLON, I guess due to the fact that XXXX bank was sanctioned only on XXXX. 
3 ) But BANK OF NEW YORK MELLON blocked my funds with no reason till the moment.

4 ) The funds are not intended for government or other related activities. Please allow sending the funds to my account in Bank XXXX XXXX XXXX.
Product: Credit card

I was not given my FULL Award Miles as promised for opening and using a Citi XXXX XXXX XXXX XXXX credit card. I felt betrayed so I called to close my Account. The customer service team did not want to close the account ; in fact they sent me to the credit card retention department where I encountered a horrible agent who never addressed my REQUEST to close the account. After demanding him to close it with a very strong tone, the agent still did not close it. I then hang up the phone angrily. Shortly afterwards I called back and was informed that my credit card, XXXX XXXX Citibank was CLOSED, without me on the phone to confirm it. The Customer service representative did not communicate with me or read me a closing statement or any type of confirmation. In other words, my XXXX XXXX XXXX Credit card account was close incorrectly and unprofessional. I was absolutely very upset and reached out to several supervisors at Citibank XXXX XXXX XXXX After hearing my complaint, they all apologized on behalf of the agent. I also reached out to my Branch regarding the improper closure but still did not get any proper help, nor did i ever receive my XXXX. XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible
Product: Student loan

I believe the school has falsified my information to get me approved for a loan for school. I explained that I did not have a job when applying for school. I was told it was not a problem now that I am in school I am constantly being harassed and threatened about the monthly payment I am supposed to be making while in school. I have been told I will not be able to get my diploma unless the monthly have all been paid when I complete the course. I know of several other students who have the same complaint. I was not aware of the terms of the loan I feel I was misled and I would like clarification.
Product: Credit reporting or other personal consumer reports

Yes I'm making this statement due to the fact that I don't know how I ended up in check system and getting a negative consumer report under my name when XXXX XXXX  account is supposed to be that were opened in loans that were opened in my name were done fraudulently because during that time I was in jail so I was unable to do anything and I had documentation to prove that I was in jail during that time period so is there any possible way to fight this or take This negative consumer report about me off check system completely so I could be able to open up a bank account in my name because so far I can't even do that is there any way I can get help with that.
Product: Checking or savings account

I opened a Citibank checking and savings account on XX/XX/18 using promo code XXXX which was supposed to provide me with a {$400.00} account opening bonus if I maintained a {$15000.00} balance between the two accounts for 60 days. Upon reaching the 60 day mark and not seeing the bonus get deposited, I contacted Citibank and was told that it could take up to 90 days for the funds to be deposited. During the last week of XXXX, I again called Citibank as I was surprised the funds were taking so long and was reminded that I was not at my 90 day deadline for them to deposit the bonus. They acknowledged that the bonus was attached to my account. It is now XX/XX/18 and I still have not received my bonus. I initiated a chat session today and am still being stonewalled that supposedly it is another 4-7 days of  processing. I am seeing that a huge number of people have this same issue. This is unacceptable and blatant fraud. Consumers should be aware that Citibank does not honor its obligations and that they should bank elsewhere.
Product: Checking or savings account

There are so many to list I have had this account for years and they were willing to reverse only the first charge even when they are in the wrong
Product: Credit card

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ) ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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

I have disputed this XXXXXXXX XXXX on Experian and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXXXXXX XXXX XXXX
Product: Debt collection

I reached out to the debt collection agency and they agreed to a pay-to-delete solution. There were two accounts that were supposed to be deleted from my credit report but are still being reported on my report. After 30 days I reached out to the original creditor and provided them with proof of payments and they said they would update the information but never did. I've contacted both parties on multiple occasions and all they have done is put the responsibility to remove and stop reporting these items on each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have refused to supply me with the following information to validate a public record on my credit report, such as : I sent your company my dispute on multiple occasions, the last being XX/XX/2018, which you received and investigated on. I have reason to believe that you did not do a thorough investigation. Therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor ( Not a third party ) 2. The contact information for the creditor ( Not a third party ) 3. The name of the person who verified the item to you ( Not a third party ) 4. The method of communication you used to verify this information ( Not a third party ) 5. Did the creditor provide you with my SSN, address, and Date of Birth?

6. My signature and what type of documented consent that the credit furnisher has that I gave them to release my information to you.
Product: Debt collection

on XX/XX/2021, i sent my first letter to CMRE FINANCE SERVICES , INC WITH NO RESPONSE AND ON XX/XX/2021 I SENT THE 2ND LETTER TO THEM FOR THE ALLEGED DEBT OF XXXX THAT I DON'T OWE. NEED ASSISTANCE OF GETTING THIS MATTER RESOLVED BECAUSE THEY HAVE VIOLATED BY NOT RESPONDED THE FIRST TIME WITHIN 30 DAYS. I HAVE MY CERTIFED MAIL RECEIPT # XXXX XXXX XXXX XXXX XXXX.
Product: Student loan

Since my loans were transferred to NELNET the service and communication has been poor, inaccurate and unprofessional. Their website is not user friendly for payments. They will not reply to emails. Customer service on the phone takes 2-3 hours to get anyone on the phone. Their website is constantly down, errors, payment processing takes way too long. I would like to have my loans service by someone else, would that be possible? NELNET is an absolute nightmare to work with and deal with. One rep didnt even know about the president on ramp program. They have not continuity of what they say, or document each interaction. This is frustrating and unacceptable for a company handling large amounts of money. Please do something and provide feedback for improvement or alternative. Their social media channel are useless, because they have a generic answer and never call back. Im tired of this level of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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, has violated my rights. 

15 U.S.C 1618 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it XXXX  states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX US DEPTARMENT OF ED 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 XXXXXXXX XXXX XXXX XXXX XXXX have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX there were {$860.00} worth of charges on my credit card that took me over my limit that didnt have my prior authorization. XXXX XXXX suspended my credit line. I filed a dispute they found out the company didnt have my authorization to charge the amount to my card they credit the amount back to my account and decreased the over the over the amount limit which caused XXXX XXXX to decrease my score on XX/XX/XXXX 126 pts because of the way they worded it on my credit reports. This has been a nighmare to me this is my livelihood I have never been late with this card company and they do me like this. Today i get an alert from my fico that once i paid my balance down to XXXX  they updated my credit report to say loan paid instead of open account as current and paid as agreed. They know its how they word our reports as to how they score us. The status said outstanding loan and loan paid and its never been a loan it was a credit card. They told me last week once i bought my account current they would send me my new card update my account and this is what they do to me.
Product: Credit reporting or other personal consumer reports

I would like to address the issue of payments that XXXX XXXX has marked as due for the following account Account number XXXX on the specified dates : XX/XX/2019 XX/XX/2019 I understand that, in accordance with USC 1681 ( a ) ( 2 ) A ( i ), my consumer report must not consist solely of information related to transactions or interactions between the consumer ( me ) and the reporting entity ( your business ). Payment history, including late payments ( accounts with adverse information ), has the potential to negatively impact my consumer report for up to seven years and is considered an essential part of the interactions and transactions between your company and me. 

Additionally, I kindly request that you provide me in writing with the reasonable procedures, as described in 15 USC 1666 ( b ), that you have in place to ensure that you receive each periodic statement no later than 21 days before the payment due date.. Also include all necessary information as detailed in Section 1637 ( b ) of Title 15. 

You have 30 days from the date you receive this letter to provide me with the information I request. Failure to provide this information within the specified time frame will be considered a failure to verify late payments on the dates listed above, indicating a deficiency in reasonable procedures to ensure the accuracy of my account. As a result, I will request removal of late payments from my account and consumer reporting to the relevant consumer reporting agencies ( including, but not limited to, XXXX and XXXX ) and request that the accounts be updated to reflect a positive status.