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

XXXX unfairly denied access to thousands of my own XXXX funds I desperately need to access in order for to attend work, provide housing and food for my child after they were repaid for an overdraft caused by illness. The illness was caused by severe XXXX XXXX  furthermore caused by a XXXXXXXX XXXX at work case that is going through litigation yet. 
XXXX refused to assist and management was unavailable and inaccessible to help.
Product: Credit reporting or other personal consumer reports

I have sent a dispute on XX/XX/year> to XXXX, Experian, XXXX. In return I received a stall letter or or email from XXXX, and Experian, from XXXX I have not received anything from. From XXXX The stall letter message was emailed to me XX/XX/year> XXXX Which I have attached proof, I received on XXXX XXXX at XXXX which has been attached as well. You will also see in my attached documents my disputes of the inaccurate information, asking for validation of said information. I have also attached a letter from the court clerk stating they do not report this information to anyone, as well I have included in my disputes proof of address, and my Government issued ID show that it is indeed me. Along with proof that it has been delivered, and how it is inaccurate on my credit report. I am requesting that this inaccurate information be deleted at once, as I feel like I have provided more than enough information. If this does not get removed. I will contact my lawyer and the federal courts to sue for damages and removal of this off my credit report.
Product: Credit card

I am seeking your help with the account that is incorrectly listed on my credit report. This is damaging my reputation as a customer, and I need your assistance. I would like these accounts removed, as they have been reported inaccurately and in a harmful manner.
Product: Debt collection

Hello, Ive sent two debt verification letters. One within 30 days of notice of collections and the 2nd at 30days of no response to first letter. In both letters it stated that I requested written communication only. They have called incessantly daily.Thank you for your time and effort. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After having my personal papers stolen, I now have countless inquiries on my credit report which were not initiated or authorized by me. I have sent letters out to the various credit bureaus and now find it apropos to make official complaints as I am being violated. Included in this report will be screenshots of the companies who have inquired about my credit status without my consent or knowledge with the major 3 bureaus. However the screenshots in THIS report will reflect inquiries on my TRANSUNION report.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning discrepancy in the reporting of my credit history by XXXX, one of the major credit reporting agencies. Specifically, I am disputing the late payment reported on my credit card account with Barclays Bank, account number XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681, it is imperative that credit reporting agencies ensure the accuracy and fairness of the information they report. However, I have observed that Barclays Bank is inaccurately reporting a late payment on my account to XXXX. 

This discrepancy is particularly alarming as the late payment is not reflected on my credit report with XXXX, indicating an inconsistency in reporting among the major credit bureaus. Per subsection b4 of 15 U.S. Code 1666, which addresses the correction of billing errors, Barclays Bank is obligated to rectify any inaccuracies in reporting to ensure consistency across all credit agency reports. 

Additionally, in accordance with 15 U.S. Code 6802, Barclays Bank is required to provide consumers with the option to opt out of certain information reporting, such as late payments on credit reports. However, I have not received an opt-out form from Barclays Bank , as mandated by subsection b of 15 U.S. Code 6802. This failure to provide me with the necessary opt-out information violates my rights as a consumer to control the dissemination of personal information and operate fairly in commerce. 

The inaccurate reporting of this late payment has had significant adverse effects on my financial well-being and ability to engage in various transactions. It has hindered my ability to obtain mortgages and extensions of credit, causing undue stress and hardship for myself and my family. 

In light of these violations and the resulting impact on my financial rights, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in Barclays Bank 's reporting. I also request that Barclays Bank be held accountable for their failure to provide me with the necessary opt-out information as required by law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate credit reporting practices are upheld. 

Sincerely, XXXX XXXX
Product: Debt collection

Debt collection agency SW CREDIT SYSTEMS, XXXX, TX placed negative information in my credit report that dropped my score XXXX points ( from XXXX to XXXX ). They did not leave a voicemail about the {$130.00} debt due to XXXX XXXX after a summer job last year in XXXX, WI. I had paid my bill by check so an address was available. They said they called, but never left a phone message. The name on the bill was incorrectly listed as XXXX XXXX, but somehow they were able to find my correct social security number and attach the debt collection to my credit report. This is UNETHICAL and should be unlawful. I paid the debt immediately upon notification it was due. I have stellar credit and I want it back. Now! The report indicates it will remain on my report until XXXX 2022. I have always had very favorable interest rates due to credit score. It seems incredulous a {$130.00} debt could negatively influence my ability to borrow for the next eight years. I would like the information removed so my score returns to a typical XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

I've disputed an account on all 3 credit bureaus linked to XXXX ending in XXXX. So far the only bureau that has deleted and blocked the information is XXXX. I'm utilizing my right to arbitration in Experian 's arbitration clause. This is notice that I have began the process.
Product: Credit reporting or other personal consumer reports

I called two weeks ago to check on why my student loan accounts, ( there are 14 total ) are being duplicated when my mortgage lending company is pulling my credit report. They explained to me there was a problem in an internal system that caused the accounts to all duplicate but they were working to resolve the issue. I called AGAIN to put in an expedited request to fix the account issue and re-report.

My mortgage lender pulled my information today and it is still showing duplicated and incorrect accounts being reported by MOHELA. This is an egregious error and it is preventing me from buying a house!

I need this resolved ASAP. Theres no excuse for an error this big. My debt for my student loans is being reported at DOUBLE what it should be due to their error.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX dispute that resulted in removals of credit profiles from all bureaus which initially got removed from XXXX and XXXX XXXX was well as XXXX. XX/XX/XXXX dispute that resulted in removals of credit profiles from all bureaus which initially got removed from XXXX and XXXX XXXX was well as XXXX XX/XX/XXXX dispute that resulted in removals of credit profiles from all bureaus which initially got removed from XXXX and XXXX XXXX was well as XXXX XX/XX/XXXX dispute that resulted in removals of credit profiles from all bureaus which initially got removed from XXXX and XXXX XXXX was well as XXXX XX/XX/XXXX dispute that resulted in removals of credit profiles from all bureaus which initially got removed from XXXX and XXXX XXXX was well as XXXX XX/XX/XXXX Closed account that was removed through dispute was then put back into XXXX. 


Also XXXX XXXX does not accurately report as does not XXXX  nor XXXX  My credit reports differently on all 3 bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed a XXXX XXXXXXXX XXXX  IL XXXX Reference number XXXX with the following credit bureaus ( XXXX, XXXX, and XXXX ) which all confirmed the public record was verified by the LEXISNEXIS and THE COURT HOUSE. I asked all three bureaus ( XXXX, XXXX and XXXX ) to disclose their method of verification on the alleged XXXX they are reporting. They replied to me with the XXXX being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Listen to me, this is unfair! I need a 100 % accurate and correct report. Please be fair enough. I demand your agency to remove this inaccurate report from my credit as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

So as I looked over my CF dated XX/XX/XXXX I saw an account XXXX XXXX  that reported a delinquency date of XX/XX/XXXX I called Transunion pointing this decrepency out and they continue to tell me that this is not correct but it clearly came from them. File number XXXX and by law this account has exceed the 7 year mark and should be deleted
Product: Student loan

I submitted an Economic Hardship Deferment request by mail to ECSI for my Perkins Loan, account XXXX, on XX/XX/XXXX, with required supporting documentation. 

My Federal Stafford loans are in Economic Hardship Deferment with a begin date XX/XX/2019 and an end date XX/XX/2019, so by law I am entitled to an Economic Hardship Deferral of my Perkins Loan as  well. 

However, ECSI failed to approve my Deferment.

I called ECSI today and they claimed they emailed me, but I never received an email. The ECSI rep of course offered to put the loan into Forbearance, where it would continue to accrue interest, but I qualify for Deferral, I am receiving SNAP benefits and my other Federal loans are in deferral.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to get this info corrected with all 3 reporting agencies. This collection from XXXX XXXXXXXX XXXX for {$930.00} is erroneous. I've always had XXXX XXXX XXXXI 've spoken to XXXX in the past and I was assured this would be removed.I also confimed with XXXX XXXX XXXX there was no balance due on my part. I'm getting no where with this issue. I've been denied credit due to this incorrect information
Product: Credit card or prepaid card

In good faith, rough draft abstract, and with all due respect, I have made payment to my XXXX ( XXXX ) American Express XXXX " XXXX '' ) on about XX/XX/XXXX via our new bank, XXXX XXXX. Payment instruments were XXXX XXXX XXXX XXXX XXXX XXXX 's checks, first thought to be XXXX money orders, since we did not have new bank account checks issued for our new accounts. Prior to XX/XX/XXXX I was unaware of my payments missing if not for XXXX 's rude staff being extremely, unprofessionally, and immaturely disrespectful to my fiancee by phone. Since then per our legally documented calls, XXXX has been unfairly rude, though less so upon me calling XXXX personally and especially after I reported said credible warranted concerns regarding missing payments and disrespectful XXXX staff. 
For context, please note that I have been an XXXX card holder for over 10 years in good standing without even XXXX late payment. Prior to current membership, I was an XXXX cardholder over over 10 years after I voluntarily cancelled my numerous accounts in XXXX prior to the American Great Recession. In footnote, I am a survivor of identity theft as my XXXX Alerts on my credit reports affirm. 
Since in good faith we made payment on time with XXXX, it is reasonable to expect as an equal human being for us to be treated with equal respect, including while we provide XXXX Bank the necessary industry standard time to research the missing payments. XXXX does not want to hear it. treating us as if we are criminals and have a chronic history of late payments or fraudulent claims with XXXX. 
We reserve the equal right to permit XXXX bank the necessary time to complete its investigation, including who cashed the payments, for it could easily be XXXX, for they are not moral saints incapable of making mistakes. Either way, XXXX promised not to charge any late fees, but they lied. Then upon question only credit the fee with the XXXX XXXX. While the XXXX XXXX is still pending a late waiver I cancelled the card without XXXX even trying to respect and preserve the professional relationship despite my incontrovertible innocence. Missing payments is not a crime. Moreover, XXXX is wrongfully demanding full payment on the account even on new XXXX card charges as if we owe XXXX of thousands of dollars. In fact the XXXX balance is {$210.00} excluding the {$27.00} late fee. And the XXXX XXXX is {$810.00}, when in fact the missing payment was only {$210.00} and change that was paid {$250.00} on XX/XX/XXXX. And the only payment due this cycle is {$450.00}, though XXXX is demanding all payment. Again, treating us as criminals. And as if XXXX has the right to disrespect us as if we are unworthy of respect and our equal humanity and rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint and this complaint due to new evidence. 
I'm sending this complaint because I became a victim of Identity Theft and I have noticed fraudulent activity on my report. I have filed FTC report and included in this package. 
I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
These hard inquires are not mine and I never authorized them : XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2022 Please remove these items from my report immediately. I know my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Reporting Agency, I am writing to request that you update my personal information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the privacy rights of consumers. 

I hereby request that all personally identifiable information be deleted from my credit report, except for the information regarding XXXX XXXX. Specifically, I request that the following information be deleted : All addresses, except for my current address : XXXX XXXX XXXX XXXX XXXX XXXX, as I can not receive mail or any correspondence at any other address. 
All phone numbers, except for my current phone number : XXXX. 
My social security number and date of birth, for privacy reasons. 
Additionally, please delete all information in the employer section, except for my current job at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As a federally protected consumer, I have a right to privacy and expect that my rights under the Fair Credit Reporting Act be respected. Failure to grant my request would be in direct violation of 15 USC 1681 and its subsections.
Product: Debt collection

I originally signed up for XXXX service on XXXX/XXXX/2015. The service never worked properly and I cancelled my service and returned all the equipment ( I have a receipt for the return of the equipment ) before XXXX XXXX, 2015. Their service never worked properly, and the cancellation falls under XXXX 's publicly advertised " 30-day guarantee, '' as stated below : '' We will give you a 30-day, money-back guarantee. 
If you 're not satisfied with our TV, Internet, Voice or Home services and wish to cancel for any reason, you can do so in the first 30 days and get your money back. Simply return all equipment in good working order and we 'll refund the monthly recurring fee for your first 30 days of service, any charges you paid for standard installation and any Home Secure and Control equipment purchased. -XXXX website '' I have called XXXX on XXXX separate occasions in order to resolve this issue. Being XXXX, I recorded the phone conversation, and have retained a copy of the recording. I have copies of all other correspondence with XXXX. 

Now they have sent my account to collections with Southwest Credit XXXX XXXX. Since contacting them repeatedly seems to have no effect, I am submitting a formal complaint to CFPB today.
Product: Credit card or prepaid card

We have a XXXX American Express XXXX and pay an annual fee of {$250.00} Included in that fee, as described in the perks is an annual companion ticket. 

Companion Certificate Receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. * *Payment of the government imposed taxes and fees of no more than {$80.00} for roundtrip domestic flights ( for itineraries with up to four flight segments ) is required. Baggage charges and other restrictions apply. See terms and conditions for details. 

We have tried to use that ticket for a trip to XXXX, XXXX and were told it could not be used for a trip to XXXX, XXXX. There are no such exceptions listed. 
We have talked to Amex who said XXXX was in charge of thatwe spoke with XXXX and they said, Thats not eligible for the companion ticket - no explanation given or rule cited.
Product: Credit card

I spent 3 hours on a chat with two representatives from Citi to understand why I had been charged interest on purchases made within my current billing cycle. To provide background, I transferred {$7000.00} at 0 % through XX/XX/XXXX on XX/XX/XXXX. This billing cycle ended on XX/XX/XXXX, with a due date of XX/XX/XXXX, and I made a {$1000.00} payment on XX/XX/XXXX. Additionally, I enrolled in a special rate offer of 3.99 % on XX/XX/XXXXXXXX  through XX/XX/XXXX. 

During the billing cycle of XXXX  I made several purchases totaling {$3000.00}. The due date for this bill is XX/XX/XXXXXXXX  ( I have made {$3100.00} in payments prior to the due date ). When reviewing my bill, I noticed I was charged {$6.00} in interest. The interest is based on a balance of {$1700.00}. 

When chatting with a representative, XXXX, and the supervisor, XXXX, I was given different answers as to why I was charged interest. I was told I was charged interest for not paying off my balance transfer in full. I was told I was charged interest because I made a payment before the statement was generated. I was told the purchases were made before I enrolled in the special rate offer. Lastly, I was told I was charged because I took advantage of the balance transfer offer, subjecting me to interest on all purchases. It is apparent that I still don't understand why I was charged interest on {$1700.00} or what that amount represents. 

My questions are : 1. What is the {$1700.00} balance that was charged interest? 
2. Why was I charged interest on purchases made during the billing cycle?

3. Is any of the information that was provided to me true? 

Being charged interest immediately upon using the card is deceptive. Additionally, I feel the supervisor did not take my concerns seriously. The information received lacked detail and was inconsistent. Furthermore, when I asked to speak to a supervisor or have a contact number to continue this conversation, I was told to call the Customer Service line to start this all over again. I've been a Citi customer for 15 years and have never been treated this way. I am appalled and disappointed. Yet the supervisor asked me to treat the service I received today as an exception!

All of this is documented in a chat which I expect Citi has retained. I have screenshots of the conversation available upon request. I look forward to a response.