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

i have viewed my credit report and found some errors 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 All of the above account have different and conflicting errors when checked on three credit bureaus, All of the above account has either been closed by the creditor or by the consumer himself and there is no basis for all these wrong information to stay on my account .All these hinder my ability to buy a house so please investigate these errors and removed the late payments and any closed accounts if can not be verified
Product: Credit card

Hello I had a Navy Federal credit card account for almost 4 years. I recently received a letter than they will close my credit card account when my card expires. 

Once they closed the card, i realized that they also took away all my points. I spent almost XXXX on this card and had XXXX points. 

I contacted the company regarding this and informed them that the letter I received ONLY shows that the card will be closed and they never informed me to redeem my points before then. Also, no one EVER told me to redeem my points so how should i know to redeem it before then. I thought even if the card is closed, the points will still be there. 


The supervisor i talked to, which was super rude, told me " I knew that points are forfeited from navy federal when a card is closed. How dont you know '' This is because he works there so he obviously knows this, how im i as a costumer supposed to know about this if no one brought this to my attention. 

This is a joke.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER XXXX MADE A CRIMINAL COMPLAINT TO FEDERAL AGENCY I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and  XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I have to try to fix an error Equifax has with my name and date of birth. They are reporting my name as XXXX XXXX XXXX XXXX and this is wrong. My name is XXXX XXXX XXXX XXXX theres supposed to be no slash. Also my date of birth is wrong, they have it as XX/XX/XXXX and its supposed to be XX/XX/scrub>XX/XX/XXXX I have submitted my id and ssn card twice by mail how they requested and they say that they have not received it. Now my id and ssn card information is lost and who knows where. I tried fixing it through myequifax website and upload my id and ssn card for the dispute of my personal information. I got a response saying the dispute was complete only to find out its still showing erroneous. I have tried to apply for credit and have been denied twice because the company can not access my credit report from equifax. I have letters from them stating the fact. When I talk to representatives at Equifax they authenticate my information with the information I give them, but when I ask how my date of birth and name appears in the system they give me the wrong name and date of birth information. I need this fix asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not contact number to dispute what they are reporting. TransUnion just removed 3 bankruptcies. which is about 50 points each, removed two inquiries which is about 10 points each and my score before the above was XXXX. Now that information such as bankruptcy plays a major role in my score has been removed, how is it that my score decrease 89 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave permission to any one to view my credit for any reason I have tried to call company and left messages without return info
Product: Credit reporting, credit repair services, or other personal consumer reports

Mutiple Dispute letters sent to Genesis FS Card Services from XX/XX/2022 - present certified mail in reference to obtaining general disclosures and reporting options. By law 15 USC6802. Obligations with respect to disclosures of personal information XXXX XXXX are to provide each consumer XXXX different disclosures before reporting to a Non Afflilated third party. In response from Gensis FS in XXXX they asked can I explain what I need help with and each letter sent clearly stated what I the consumer was asking which is by law my right to have the option to disclose my information to non afflilated third parties. Gensis FS has failed to comply with 15 USC 1638 credit cards fall under truth and lending and there are alot of disclosures that are suppose to be given to me allowing me to know my consumer rights with this company. Since I started my disputes in XXXX my Utilization for both accounts are being reported incorrect to all three Consumer Reporting Agencies ; putting me over my utilization limit for each account. Trying to obtain credit with my credit cards being reported incorrectly to Consumer Reporting Agencies is damaging to my character. These companies withhold information from the consumer of what there consumer rights and really hold fast from allowing the consumer to exercise there rights. 
Gensis FS Card Services policy to report any information other than the line of credit that was extended is only applicable if all disclosures have been made by law and there are a lot of disclosures along with 15 USC 6802. 
Accounts with XXXX XXXX XXXX XXXX Destiny Card XXXX
Product: Credit card or prepaid card

I have a Credit Card with Capitol One. My account had problems like I was unable to pay online for an extended period of time. They say I was very late when I was not. I asked them politely to remove my late payments and they refused. I have been a customer for a long time and have never had a late payment on any account ever other then this. I want it removed from my credit file. Capitol One is extremely punitive. All of my other companies I do business with for credit related issues ( XXXX, XXXX, two car loans, rent, cell phone ) are all easy to work with however Capitol one seems more interested in hurting my credit then having me as a customer. I am requesting that the late payment be taken off my credit score immediately!
Product: Credit reporting or other personal consumer reports

Back in XX/XX/2023 I've sent out a follow up dispute dispute to Equifax regarding an account that's reporting inaccurately on my consumer report. Equifax responded that this information was verified and accurate in which still today XX/XX/2023 there are multiple inaccuracies reporting. I firmly believe that it is their duty to fully investigate a consumer 's dispute and provide fair and equitable results. If they investigated this account how is there still inaccuracies reporting? This account reports to all 3 major reporting agencies which all have different information reporting which violates 15 U.S. Code 1681- Congressional findings and statement of purpose. The payment history that Equifax is reporting is different than what XXXX and XXXX is reporting in which they all should be the same which is a billing error. I asked Equifax to provide all of the documents thats verified this account and nowhere in the agreement with the creditor was there an option for me to opt out of this information being shared with anybody in which according to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, subsection ( b ) Opt out, I have a right to exercise that non disclosure option. I am requesting to exercise my option to opt out of this information being reported to anyone. They are not being compliant by reporting inaccurate information even after sending in multiple dispute letters and responding to me " Verified ''. I never gave Equifax the consent to furnish a consumer report of me containing my personal information nor did I give them permission to share my information with anybody. Included in this complaint is a copy of my follow up dispute letter, my final dispute letter, a copy of my consumer report with the account disputed.

Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors
Product: Credit reporting or other personal consumer reports

Despite my previous attempt to resolve this issue they have failed to provide documentation to support the accuracy of the information being reported this is a violation of my rights enjoy the fair credit reporting act which mandate all the proper information be accurate and verifiable.
Product: Checking or savings account

I have been using cash app as my primary banking account. On XX/XX/year> I received messages stating my phone number was unlinked from my account. Shortly after my account had XXXX funds. It stated a payment was made to a person I do not know in the amount of {$940.00}. That was all of the money I had in the account. The cash app tag for the person it was sent to was pickpocket. I do not know this person and did not send this money. I provided cash app with proof and my disputes were denied. I would not send anyone the entirety of my money let alone someone I dont know and why would I send it to someone with a clear scammer cash tag.
Product: Debt collection

theres tons of credit cards on my account that are not me i dont know who has my information and i dont know how to go about this
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on my Equifax, XXXX and XXXX credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have them removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from Equifax, XXXX and XXXX but allowed them to stay to intentionally hurt my credit score. 

I contacted Equifax, XXXX and XXXX on XX/XX/2018 and was told XXXX never contacted them.
Product: Credit card or prepaid card

I am the victim of identity theft. I reached out to this company to inform them of the issue to no avail. I have filed a police report as well as an identity theft report with the federal trade commission. Net Credit will not remove this account from my credit and go after the scammer. The date this account was opened is XX/XX/20 with a current balance of {$7500.00}. This is absolutely ruining my life. Please find the scammer and prosecute them!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent all three credit reporting agencies a letter about the inaccuracies on my credit profile. It is now XX/XX/2021, and I have not received any results. It has been a total of 4 months with no results. I believe there was a misuse of my credit profile. I sent them all the information they needed, ID, Social Security card, and proof of address. The incorrect information on my credit profile is holding me back from moving forward in life. I can't get a house or credit card due to this. I have done all I can do. please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX. This involves a settlement that I reached with this bank that they offered me and I accepted. They specifically told me that this would not effect my credit in any way. I have a letter from XXXX dated XX/XX/2019 stating that the debt had been settled and I was released from all obligations. I will attach a copy of this letter.The next thing I find out is that Experium ( which I subscribe ) lowered my score due to the settlement 100 points from XXXX to XXXX. I have filed two complaints with Experium with no results except to tell me that no adjustment would be made. XXXXx also lowered my score almost 100 points also. XXXX did not lower my score at all. My scores as of today are as follows : Experium XXXX, XXXX XXXX and XXXX XXXX. They all should be in the 800 range as I value my credit very much.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX  # XXXX XXXX. XXXX XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for credit and was denied. I then pulled my credit reports and found several accounts between XXXX and XXXX that were not mine. The first thing I did was file an FTC report and a police report. I contacted each credit bureau via their online dispute centers and disputed the identity theft items with my police report and FTC report. 

XXXX sent me an affidavit to fill out and have notorized, which I did withint 3 days of receiving it. However, XXXX verified the information as accurate before they received my notarized affidavit. When I check on my dispute with XXXX they show no record of it. I filed another dispute with my police report, identity theft report, and notarized identity theft affidavit. 

Equifax 's portall did not let me upload documents so I sent them via certified mail on XX/XX/XXXX and XX/XX/XXXX. At this time Equifax has verified the items as accurate despite my police report, FTC report, and affidavit. 

XXXX did not let me submit an online dispute and seemed to be having technical issues. I sent my dispute, police report, and FTC report via certified mail on XX/XX/XXXX and sent my notarized affidavit on XX/XX/XXXX. 

I have also contacted each creditor with the same documents but the remaining XXXX accounts refuse to remove the fraudulent accounts. XXXX state a payment was made to open the account but my bank account was also compromised at that time. The accounts remaing on my credit reports are : XXXX. XXXX XXXX  - Account also reported by XXXX XXXX XXXX XXXX. XXXX XXXX - Also reported by XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX. XXXX XXXX XXXX XXXX - Also reported by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also reported by XXXX funding and XXXX XXXX. I have a current account with XXXX XXXX opened in XXXX The identity theft occured while I had a family member living with me. This family member has been removed from my home. After he was removed I was forced to close my XXXX XXXX member account and open a new one because someone had access to my online account and transfered several thousand dollars to a person that I don't know. The person returned the money through his bank after realizing it was sent to him fraudulently by someone pretending to offer him a job. All identity theft accounts opened were likely linked to that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained a copy of my credit report and I noticed that there are inquiries on my credit report that I did not authorize. This has become extremely stressful and scary considering someone has been applying for credit with my information.
Product: Debt collection

I've never received any form of communication from this company. I pulled my credit report to make sure everything is accurate and noticed this account was on my credit report. I've never resided at the location for the account that the company is collecting for. 
This is not my account, this is not my debt.
Product: Checking or savings account

Citibanks promotional offer not honored. Citibank received my documentation, confirmed in a letter to the cfpb that I was due the bonus within five to seven business days which would have been XX/XX/XXXX. They did not deposit the funds. On the same day, they issued a letter to me saying that " we are not aware of any promotions offered in conjunction with the opening of your account '' and wanting me to resend all the documentation I already sent them. They acknowledged the promotion and the fact that my account met all the criteria in a letter to you on XX/XX/XXXX in my prior complaint. Either one hand does not know what the other hand is doing, or this is a calculated fraud on the public. In any case, I would like my promotional bonus as promised. See complaint XXXX for details and a copy of their letter saying that they were to pay the bonus no later than XX/XX/XXXX.
Product: Credit card

i was in the hospital with a XXXX XXXX i was given several tests and i am taking many medications i am not doing well i can not handle the stress from this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about XXXX XXXXXXXX XXXX. I paid this card off in full it has a {$4800.00} credit line. I have repeately asked that this card report to all 3 credit reporting companies as it is in excellent standing and paid in full within 2 years. I was told numerouos times they ( XXXX XXXX XXXX reports every 30 days. It's been over the 30 days and it is still not reporting I just checked all 3 of my credit reports. I've called numerous times and just keep being told it's reporting. But it is not.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a physical denial letter for a business revolving line of credit, application number XXXX. 

Reason for Denial : ( XXXX ) Insufficient information on your Business Report ( My Business relationship started with XXXX over XXXX years ago, you can not open ANY business accounts without all details of your business & personal info verified ) ( XXXX ) Your credit report indicates that not enough time has elapsed since you opened your most recent credit account. ( I opened a Business auto loan w/ XXXX XXXX the end of XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX with {$0.00} balance to date. The business bankers ( spoke with XXXX of them ) confirmed each product is different and does not weigh against each other - underwriting stated the opposite. 

XXXX XXXX XXXX is " Insufficient information on your Business Report '' I had to call and ask the following questions I. What business reports are used ( I had not received any letter or phone calls ) XXXX. How can the information be insufficient when I am currently a business customer with active business & personal information/accounts. 

I opened a case with LexisNexis - Case Number XXXX - As soon as I uttered the XXXXXXXX XXXX XXXX XXXX this statement was stated to me " LexisNexis can not be used in whole or in part as a factor in determining eligibility for credit ''. The individual in underwriting claimed they could not validate my business information hence the " insufficient information '' remark. 

When opening this case I asked LexisNexis to mail me a list of vendors that report to them ( can not provide ) and who they receive their information from. I was informed they receive their information from " multiple '' data sources. My data is accurate with XXXX, XXXX XXXX XXXX XXXX XXXX, where else could this information come from? 

XXXX XXXX is used to compile a businesses credit score for Lexis Nexis. None of my business information or risk indicators are correct on the report I received from Lexis Nexis ; we went through every incorrect error including the date my business was established which is WILD! This information should NOT be in use at ALL, I know I am not the only business owner with this experience. 

This is the longest complaint I have provided, but a resolution for everyone needs to happen with LexisNexis and XXXX
Product: Checking or savings account

Old National charges predatory and outrageous overdraft fees and yet claims to be " the ethical bank '' They have charged me over a XXXX {$38.00} dollar overdraft fees even though they know I am low income. They should refund at least half of them. They won't. I've talked to them. They condescend to me and act as if I am unintelligent. They are NOT ethical.
Product: Money transfer, virtual currency, or money service

Hello, so basically I sell digital goods on paypal and have been conducting this business for 3 years now. On XXXX XXXX, Paypal issued a verification of my account and asked for proof of fulfillment for my customers and my id. I sent all the necessary information, including id, proof of fulfillment and supplier information. After 24 hours I get a response that my account has been limited permanently because in their information I am XXXX  which I am not or I live in a country where paypal doesnt work ( which is not true becauee XXXX is accepted ). In my opinion this is a mistake done by their part because I can't find a logical reason why account is banned. This is the reference id : XXXX for my limitation. Also my credit card is being held captive by Paypal since I am not allowed to delete it from my profile.Would appreciate if you would consider the case because I feel like sometimes we can't do anything when it comes to big coorporations like PayPal and I wish it would be different.