23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2022 I purchased a gift card valued at {$100.00} for XXXX on the XXXX website in the amount of {$98.00} using my Citibank XXXX card ending in XXXX. The card did not work. I contacted the company through their website 's " contact us '' page and emailing a reply to the order confirmation. The company did not respond. 

On XX/XX/XXXX I filed a charge back through Citi.com 's online system. The online system showed it was received, at a later date it showed that the XXXX had been contacted, and on XX/XX/XXXX the system showed that the XXXX had responded and the case had been decided in the XXXX 's favor. 

On XX/XX/XXXX I called the Citi dispute line XXXX about how to proceed. I was told the case was not really finalized and that I would receive a letter through the online system from Citi with instructions on how to continue the dispute if I wished as well as the merchant response. That information never arrived. 

I called the Citi dispute line XXXX again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to alert Citi of this issue where I was not receiving Merchant response and Citi letter detailing how to continue a dispute in the " letters and notices '' section of Citi 's website. I was assured that they would be resent. They never were. 

I emailed XXXX on XX/XX/XXXX about not receiving this XXXX response and instruction from Citi on how to continue with the dispute. 

On XX/XX/XXXX I went online and unenrolled in Citi 's paperless system in hopes that I would receive by mail the paperwork the were unable to provide online. 

On XX/XX/XXXX I received a letter from Citi in the " letters and notices '' section of the website stating : " We previously requested necessary information from you concerning this dispute. We did not receive a complete response to our request. As a result, we have completed our investigation based on the information available. Please contact the merchant directly if you wish to pursue this matter further. '' But I never received the requested information. I never received a response to my emailed complaints about this issue. My many, lengthy phone calls with representatives did not address the issue. I was just told the paperwork would come or should be there online. It never was. I was told that the proper department would be notified of their technical issues. I was told this would not effect by ability to respond to disputes in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states 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 any purpose I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information. Due to this identity theft, several fraudulent accounts and credit inquiries have appeared on my credit report. I am requesting that these accounts and inquiries be blocked and permanently deleted under the provisions of 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
Below is a list of the fraudulent accounts and inquiries that I am disputing and request to be removed : Fraudulent Accounts : 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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

{$0.00} Account Details Last Reported XX/XX/XXXX Creditor Name GOLDEN 1 CU Account Type Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$690.00} Payment Status Current Worst Payment Status XXXX Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX  Times XX/XX/XXXX Days Late XXXX Remarks Canceled by credit grantor ] ] ] I would love to resolve this and remove from from credit. As I am new to credit and would greatly help you benefit in the future.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information to my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted over 3 dispute letters and a previous CFPB complaint regarding fraudulent inquires that are on my credit! I DIDN'T AUTHORIZED ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRES AND VIEW MY CREDIT REPORT. THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 161B ( C ) AND A SERIOUS BREACH OF MY PRIVACY RIGHTS.

PLEASE VALIDATE THIS INFO WITH THESE COMPANIES AND PROVIDE MY WITH COPIES OF ANY DOCUMENTATION ASSOCIATED WITH THESE ACCOUNTS BEARING MY SIGNATURE, AUTHORIZING AN INQUIRY. IN THE ABSENCE OF ANY SUCH DOCUMENTATION BEARING MY SIGNATURE.

I FORMALLY REQUEST THAT THESE FRAUDULENT INQUIRIES BE IMMEDIATELY DELETED FROM THE CREDIT FILE THAT YOU MAINTAIN UNDER MY SOCIAL SECURITY NUMBER PURSUANT TO SECTION 605B OF THE FAIR CREDIT REPORTING ACT!
Product: Student loan

I've been trying to find out how many qualifying payments I made on the Federal Student Loan Forgiveness program while I worked for a previous qualifying employer. XXXX XXXX keeps giving me inaccurate information ( for months now XXXX and now they are ignoring my emails entirely. 

I worked for a qualifying employer for student loan forgiveness ( XXXX of XXXX ) and made qualifying payments for approximately 21 months from XX/XX/XXXX through XX/XX/XXXX yet FedLoan Servicing says that I only made 10 qualifying payments, which is incorrect. It should be more like 21 or 22 qualifying payments. 

They have now refused to even answer my emails & are some of the most incompetent people I've ever dealt with. It shouldn't be hard to figure out the correct amount of payments & send me the correct information. I've called and emailed several times and they still can't give me the correct information. I hope this complaint will help them remember that they should never ignore their customers.
Product: Money transfer, virtual currency, or money service

I have placed the buy transaction ( $ XXXX ) on Coinbase pro which I have canceled after sometime but did not canceled for quite sometime. I have tried multiple times to cancel but got error " no order exists ''. It got executed after 15 mins of cancellation in mean time I have sent a message to company that not able to cancel my order please help but did not get any help. After buy executed, I have tried to sell all but I don't see all quantity in my account. It is very weird that price going up and down, my balance is also going up and down but can not sell it. While trying to sell Crypto currency it is showing no balance in my account. I would like to compliant about Coinbase Pro as that is my money and not able to sell it.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FAIR Credit Reporting ACT ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPBH ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Exepian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and rights as a consumer.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023
Product: Bank account or service

I went to a  PNC  atm machine outside of the PNC bank  XXXX   XXXX   XXXX , PA. On   XXXX   XXXX  2017   , approx.  XXXX  I withdrew {$180.00} at this time all the bills came out " mushed ''. I was able to remove {$140.00} of the {$180.00}. At this point the ATM rebooted I withdrew {$1.00} in hopes of pushing the other {$40.00} out, but only the {$1.00} came out. I called PNC, then went to the branch where it happened and notified them. At this point the branch manager told me even though the atm is a PNC ATM and apart of the branch building, they ( the branch ) does not operate the ATM. They filed a dispute and credited me the {$40.00}. On   XXXX   17  I received a letter from PNC declining my dispute. I returned to the branch where the incident happened and spoke to the branch manager, who said the most they could do was file another complaint. At this point I said " There is no guarantee of my money when using their brand ATM. '' The branch manager responded, that was correct. I then asked for the phone numbers for the FDIC, and CFPB. She refused to provide those numbers. My concern is that no consumers money is safe at PNC, and as well as my own specific incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited XXXX to obtain a copy of one credit report. After providing my personal information three times for each of the agencies, I was denied access to my report by all three : XXXX - " We are not able to deliver your free XXXX credit report online '' Transunion - " We are not able to provide you with your online Personal Credit Report since it contains an open dispute currently under investigation. '' XXXX - " A condition exists that prevents XXXX from being able to accept your request at this time ''
Product: Credit reporting or other personal consumer reports

I have found fraudulent hard inquiry on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Upon telling Wells Fargo phone representative on XX/XX/22 that i have reason to believe someone knows my XXXX Savings account number XXXX the representative assured me any future withdrawal from this now closed account XXXX would be refused and only deposits will be allowed on closed savings account XXXX for 90 days. 

Immediately after this phone call, I received a letter in my message inbox on wells fargo website stating the *opposite* of what the rep told me. the letter states : " Direct deposits to or automatic withdrawals from your closed account will continue for 90 days. '' This is *not* what I instructed. 
I instructed this closed account XXXX to be FROZEN, Account XXXX shall have *no* withdrawals, not now, not for 90 days. 

XXXX withdrawals from account XXXX shall be rejected
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and I noticed some things are incomplete and not accurate. And According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts ( XXXX XXXX XXXX XXXX ), are not complete and accurate. 

According to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ( ii ) promptly notify the furnisher of that information that the information has been deleted form the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure the b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681 s-2 this is suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relying to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified. by the consumer, at address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have evidence to prove my case. 

SEE ATTACHMENTS
Product: Credit reporting or other personal consumer reports

Please provide me with a Forward Flow Agreement and a Chain of Assignment. In regards to this account. Original holder of account is a XXXX XXXX XXXX XXXX company it says in the amount of XXXX My name is XXXX XXXX I have not open a account with any XXXX XXXX XXXX XXXX company. Do not call or harass me. Cease and Desist unless you are contacting me about removing this off my credit reports. I'm ready to file small claims case in the full amount of XXXX. In which your company will have to hire a lawyer and show up to court. With documents saying this account is mine and I have my police report and my FTC fraud report in hand to say otherwise. Please review my complaints I filed against XXXX XXXX XXXX with the CFPB and BBB. Immediately remove this from my credit reports
Product: Debt collection

Portfolio recovery brought a debt from XXXX  XXXX. I informed them that I didn't have a debt with XXXX  XXXX. I have XXXX  XXXX. For a year I didn't have a key to my mailbox. I alway have to wait for the post office to drove pass. They claimed I owe the XXXX. 
XXXX XXXX XXXX say I own them XXXX. I never sign any thing with these companies. 
XXXX XXXX XXXX say I own them XXXX. And it's from XXXX but I have XXXX now for my car insurance and my bill is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act this creditor ( ally financial ) has violated my rights. under 15 usc 1681 section 602. it states i have the right to privacy. 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions ( which i did not gave ).
Product: Debt collection

Suddenly out of the blue I get an email from XXXX XXXX XXXX for a VyStar credit union in XXXX Florida which I have never even visited. They send me an email where I must take a link to find their reference number, but I don't take links on emails from what I consider Spam. I called them up to try to straighten it out but they want information like my social security number which I would not give them. Apparently they just send out emails to any XXXX XXXX they can find, they certainly did not think I would use a XXXX XXXX XXXX  when I live in XXXX XXXX and have for XXXX  years. Basically they are telling me they can not resolve it without me giving them confidential data, which I find absurd. I tried my best to help them on the phone for over and hour but they just kept insisting I give them confidential data.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with experian credit bureau i keep dispute items on my credit report and they keep putting things on there from my sons i have XXXX sons with the same name but i am a sr and every time i call to get information about my credit they tell me i had the wrong information and wont let me on my credit file it a shame that i have to look at my credit on XXXX XXXX to see what is on their and then they putting all these hard inquires on my credit that i didnt give permission and i keep asking them to update their information when i apply for credit i ask them to run my credit 1 time and they end up sending it to 40 or 50 people
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pre-approved for a credit card, I applied for a credit card via credit karma and got denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to UPDATE these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 
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
Product: Credit reporting or other personal consumer reports

In XX/XX/2021, I unfortunately faced financial difficulties due to the XXXX pandemic. In order to manage my finances responsibly and meet my financial obligations in the best possible way, I contacted XXXX XXXX to request a deferral of my credit card minimum payment for those XXXX months. The phone conversation I had with XXXX of their customer service representatives assured me that my request would be processed without any issues and that no late payments would be posted to my account as a result of this deferral. Take the representative 's word for it and follow the instructions provided. 

My lease is about to end here at my lease home for me and my kids and I am looking to buy a house. 

I ask you to be so kind and help me change these late payments from late to on-time. 
Help our family get approved for a new home. If we can't change this, there's a big chance we could become homeless and you're my last hope, I hope you can help me. 

Listed below are late payments that are NOT accurate and those dates should be changed to PAID. 

As agreed Account Name : XXXX Account XXXX : XXXX Report dates not specified : XX/XX/2021 and XX/XX/2021.
Product: Checking or savings account

Capital one close my account with {$5000.00} in it and they wont mail me a cashier check..