23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA, I request that LexisNexis immediately notify XXXX, XXXX , & XXXX of the folllowing : That the bankruptcy Item US BKPT CT XXXX is deleted from my file. And to provide me with a copy of said communication. Under the FCRA, I have the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of XXXX, XXXX, and XXXX XXXX  ).
Product: Payday loan, title loan, or personal loan

I took out a line of credit and now because of the intrest its too much to pay back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for an investigation into the matter previously. It was not corrected. I have filed a complaint with the FTC. Please remove immediately
Product: Debt collection

I am not swayed that the Credit Bureaus has investigated this account properly. Their investigation about this account was totally incorrect. The payment history is not showing on this account which make my suspicions accurate and true. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both the Credit Bureaus and the creditor. Make sure to explain the outcome of your investigation about this account with THE BUREAUS ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$890.00}
Product: Debt collection

In XX/XX/XXXX/XX/XX/XXXX my account was updated to reflect that I did not want any calls from this company to my job or any phone numbers that I am associated with. I have recently received 3 phone calls to my job from this company. The 1st call was on XX/XX/XXXX at XXXX XXXX. The next call was on XX/XX/XXXX at XXXX XXXX. I told the agent that there is already a cease and desist on file and his company should not be calling this number. He stated that he would update the account and I would not receive anymore calls. On XX/XX/XXXX I received a call from this company at XXXX. I am now feeling harassed by this company because I have asked them to stop calling and they have refused to do so. They are calling about a XX/XX/XXXX vehicle that I have traded in. The payoff has already been sent to this company by the dealership. My employer does not allow any personal calls and this company continues to call. I want all calls to stop immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past three years I have had poor credit ratings due to the way credit bureaus report. The lower your credit for inquiries even though in most cases an inquiry does not increase your debt. Your score should not be affected by inquiries, only increased debt. Financial institutions invariably report bad information and the bureaus run with it. Most of the reports are severely outdated and information is missing. Credit bureaus do not take into consideration your assets which in my case more than offset my debt. One example with XXXX XXXX for example who reported a late payment. The late payment was due to their online payment system being down and as they continued to have problems with their system I paid off the credit card and closed the account. The only thing I got out of that was a reported late payment which stays on my account when I should have received a XXXX on the back for paying off the credit card and closing it. Another case I had a loan which I paid every month and when I paid the last payment the bureaus showed the account as being closed as if I defaulted when actually I completed the payments without missing a single one and the loan was paid. They are pathetic and have no idea about personal credit. They are completely systemized, and it is a bad system.
Product: Credit reporting or other personal consumer reports

I found out some accounts, mortgages accounts that are using my personal information to making loans and open bank accounts and cleared Title of my name off from my property and they are kept using my personal information to make loans started from the year XXXX to XXXX. Moreover, its effectively my taxes account and now I own IRS payments. These people used to living with me and they stole my mails from my mailbox and they used my important information such as my social security number, birthdate, my license number and my mortgages etc. I need help with this mess that I have no idea what to do and how to fix it please.
Product: Money transfer, virtual currency, or money service

REVOLUT TECHNOLOGIES INC blocked my account three times and I was not able to check the balance, transfer money, purchase cryptocurrency, etc. 

The first time was on XX/XX/XXXX and the account was abled to be unblocked on the same day after I submitted the paystubs and bank statements for the last three month. 

However, one week later on XX/XX/XXXX, my account was locked again and asked me for the very same information as last week. I submitted the info immediately and asked for the reason my my account was blocked again. The account was unlocked on the same day but no reason was provided. 

On XX/XX/XXXX, which is 11 days later, my account is locked. This time Revolut did not ask me for any information but saying the account was under review. I tried to message Revolut multiple times from XX/XX/XXXX to XX/XX/XXXX but no meaningful information was provided but replying with standard messages. Sometimes Revolut even ignored my messages. 

I have around {$5000.00} balance and {$2500.00} worth of crypto currency in my account that I could not move for 2 weeks. Revolut is applying for a bank license in this US but what Revolut doing does not make it a bank that could satisfy customer needs. I am always willing to provide the information to get my account unlocked but this time my account was put on hold for two weeks without asking me for any information.
Product: Debt collection

I ignored the call because it said spam call. They called back. I hung up again. Then they called back for a third time and I told them to quit calling me and that Im at work and can not be on my phone
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, the original creditor, natural person, and consumer. When we entered into this consumer credit transaction on XX/XX/2012. I extended them credit therefore the finance charge was paid for the entire balance. After the finance charge is taken there is a open ended credit transaction there is security interest left. Which is suppose to be given to me. but they mislead me to think that i had to pay them. whenever a open ended credit transaction is entered that information is suppose to be disclosed. which mean its fraud. they they infringed upon my privacy and sent information over to cobsuner reporting agencies without my written consent. Now the consumer reporting agencies are reporting my information with me given them written of consent to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi to whom it may concern my name is XXXX XXXX id XXXX would like to remove the red flag thats blocking me in applying for other finances that will help me my kids and family some of my existing accounts are heavy for me to pay can you please remove them also XXXX  thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit System is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If National Credit System is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I had student loan from 2010 when I was in college. The student loan is for XXXX XXXX in XXXX, FL. The loan was suppose to be for XXXX I paid XXXX of it. I owe XXXX left, I been gradually paying it over the years. but the impact of the remaining balance have left my credit score tremendously low. it was originally at XXXX but I got it down to XXXX on top of paying the other loan. Again its been open and I would like this resolve from my account. its XXXX XXXX service US Department of Education.
Product: Credit reporting

bill pd on time! XXXX reports-XXXX never late- other over 30 dys
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on Equifax about XXXX XXXX which is a loan for a car it wasnt showing the correct amount and they just deleted it from my credit which made my credit score drop. It needs to be fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax about 2-3 times within the past few months to get my credit card reported however they 've failed to do so. I 've emailed and called them. I first emailed them on XX/XX/XXXX and notified them that my credit union had sent them information regarding my credit card. I then called them about 2 weeks ago and asked if they had received the information to update my report. They stated that I would need to reach out to the credit union to have them submit the information. The credit union has sent me confirmation of what they 've sent to Equifax on XX/XX/XXXX. It 's been almost 2 months and my credit card still is n't being reported. Equifax told me it would only take 30-45 days to update this information. I 'd like my credit card to be reported to them as soon as possible, as this will boost my score and will further increase my chances of purchasing a property.
Product: Debt collection

Jefferson Capital Systems has not responded to my verification request to provide documentation or any information regarding this debt to confirm it belongs to me. I have sent 2 letters and no reply over 90 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX  XXXX XX/XX/XXXX Loan # XXXX - Santander Bank Dear Sir or Madam, I have contacted Santander and the three credit organizations to date. XXXX is the only company that has complied with my request. I am writing to dispute the following information on my credit history. Previously, I had a second mortgage ( Loan # XXXX ) of {$40000.00} attached to my former home at XXXX XXXX XXXX, XXXX, MA XXXX. This loan was discharged when I filed bankruptcy ( See enclosed paperwork ) on XX/XX/XXXX. Years later, I voluntarily reached out to Santander and offered to pay half ( {$12000.00} ) of the amount remaining ( {$23000.00} ) that I had previously owed. I was under no obligation to do so since the account was closed in bankruptcy. Unknown to me at the time, this action tainted my credit. Even though discharged in bankruptcy eleven years ago the credit entry by Santander states : " Settled/Paid in full less than full balance : Conventional Mortgage : Closed. '' I am requesting that this item be removed from my credit history due to age ( XX/XX/XXXX ), or removed because the account was closed, or it should state " Conventional Mortgage : Closed. '' Enclosed are copies of my discharged bankruptcy of XX/XX/XXXX and copies of the Santander Bank NA formerly doing business as XXXX XXXX - Mortgage Release statement, which support my position.
<P/>
Please inform XXXX, XXXX, of this change. XXXX has already complied with my request. Many thanks for your help.
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Sincerely, XXXX XXXX enclosed : United States Bankruptcy Court, District of Massachusetts ( XXXX ) Discharged Closed XX/XX/XXXX XXXX XXXX - Mortgage Release Statement, Discharged Closed XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After seeing recent media on hacks on the american publics information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

I have never lived or been associated with these addresses below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I have never applied for credit resulting in a INQUIRY with these companies below : XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX Below are a list of Accounts that are fraudulent I have no knowledge of them at all Account Name : The Bureaus Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : 01 XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : 01 XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX/XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1500.00} Account Type : Credit card Account Name : XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : XXXX Account Type : Collection Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Open:XXXX Balance : XXXX and XXXX Account Type : Credit card
Product: Debt collection

I initially reached out to this agency requesting verification of debt that is listed on my credit report via mail on XX/XX/2020. The company received the letter in which I stated in the letter : I am writing to request that you please the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

I received a letter stating that they have talk to their client and the have verified my name, address and the amount that was owed dated XX/XX/2020. I also received an account itemization with in this letter. I contacted the agency and spoke to XXXX, and XXXX who stated that information sent was proof that I owe the debt. While talking to XXXX he stated that the itemized bill was from the creditor and the address was verified as a different address from the one on the bill that was sent to me via Wakefield and associates. XXXX also stated that I asked for a itemized bill in which he stated that is proof that I owe the debt and this what is sent when some one asks for verification on debt. XXXX XXXX the account specialist stated that the letter was received for my request and that I have no right to request such validation of debt via a letter unless I request the information via the court system. I asked was he denying me the right to request the information stated above. XXXX XXXX stated that I do not have the rights to request the information via a written letter. 
This company continues to report inaccuracies to the credit bureau and is violating 15 U.S. Code 1692e. Section 2 ( The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ) and, section 10 ( The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. )
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accordance with the fair credit reporting act XXXX XXXX & XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A - states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account with my written instructions 15 U.S.C 166b - A creditor may not treat a payment on a credit card account Under an open and consumer credit plan as late for any reason
Product: Consumer Loan

We paid XXXX weeks late on our OneMain Financial Account. During the XXXX weeks, the local office was told only to call my cell phone. They called my work. After that happened, I called in and told them only to call my cell. XXXX from their office called all of my " references '' ( family members and friends ) and left personal details on both their voicemails and in conversation. My wife manages the bills and was down with a XXXX which is why we were late. This person caused us quite a bit of embarrassment and harm by what she did and all over two weeks!!
Product: Credit card

On XXXX/XXXX/15 I authorized Macys ( Department Stores National Bank ) to pay my account from my checking account on XXXX/XXXX/15. A letter from was sent to me confirming that this was authorized and would be done. It turns out that the Department Stores National Bank has been updating its system ( did not advise the customers ) and never processed my payment. They accused me of not paying my bill and assessed a late fee against my account. They refuse to reverse the charge even after I provided them with the confirmation # received at time of my processing and letter from them acknowledging I scheduled a payment.
Product: Money transfer, virtual currency, or money service

Hi brand new customer here. I received my card XX/XX/XXXX, activated it & completed the online enrollment process and immediately attempted to access my account through the mobile app. I was only able to login to the app once. I tried again a few hours later and I keep receiving the error message " temporary delays ''. This has been going on for me for 2 days now, and Citi 's IT department was unable to resolve the issue. The best solution they could offer was to uninstall, reinstall the app, and if that did not work reboot my phone. 

I tried using the app on another XXXX phone and the same message is displayed. Out of curiosity I XXXX " Citibank temporary delays '' to see if others were having this problem. It turns out this problem has existed for YEARS. As far as I can tell the " temporary delays '' issue with the mobile app has been around since XXXX. So fast-forward 7 years later and it still persists. This prompted me to start reading reviews of their mobile app on the XXXX playstore, and I unearthed a treasure trove of complaints. The vast majority revolving around not being able to login to the app. People can't even pay their bills, or unlock their card. To put it simply, it is freaking XXXX and this is ridiculous. If a customer is late with their monthly payment, all XXXX breaks loose. So why is it okay for Citi to knowingly neglect and ignore this on-going issue? How can a billion dollar company, struggle with such a simple and core feature functionality? 

And ... since I'm here. Would someone please explain why Citi performed 2 hard inquiries on my account from the same credit bureau ( XXXX  )? I'm asking because when I pull my credit report, I can see my score drop by -3 points from the first inquiry ( XXXX ). Then a few days later, it dropped again by -3 points for the 2nd inquiry ( XXXX ). All for the same credit card ( Citi double cash ) that I'm writing about right now. Had I known their " IT '' was this bad, I never would have applied for the card in the first place. 

Anyhow, I say all that to say this. Citi, you couldn't even keep me as a customer for a week. One week. 

Reconciliation is not an option, as I fully intend to close my brand new account as soon as your remote offices open. Going forward please acknowledge and address the many complaints from your other customers, especially ones as serious as bugs with your software and IT systems. There is a special kind of helpless, when you've experienced fraud and the only thing your card provider can do is recommend you try again tomorrow.
Product: Credit reporting 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. 

Account XXXX : XXXX Account XXXX : XXXX and list of Inquiries. 

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.