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

I HAVE NOT GOTTING ANYTHING BACK AFTER TWO TIME
Product: Credit card or prepaid card

I opened a dispute claim with Citi Bank and they declined the claim within 10 days giving me non valid reasons. I was charged by XXXX for {$860.00} in which i never received services for nor a refund they told me to speak to my credit card company. At this point its fraud/scam because Citi bank does not want to give me back this credit amount.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In [ Month, Year ], I discovered that my credit report contained inaccurate information related to late payments and incorrect balance details for XXXX XXXX XXXX XXXX. Specifically, the following issues were identified : Inaccurate Late Payments : On [ Date of Late Payment ], my account was incorrectly reported as being XX/XX/year> days late. However, I made the payment on time, as evidenced by my bank statements, which show that the payment of was processed on. 
Despite contacting XXXX XXXX via phone to dispute this error, the late payment was not corrected on my credit report. I have also provided proof of on-time payment in the form of bank transaction records and confirmation emails from the creditor.

Incorrect Balance Information : My account balance was inaccurately reported as {$140.00}, while the actual balance was {$0.00} according to my statements. 
I contacted XXXX XXXX to request a correction. The representative acknowledged the discrepancy and assured me it would be updated. However, subsequent credit reports from [ XXXX/Equifax/XXXX  ] continue to reflect the incorrect balance, affecting my credit score and overall creditworthiness.

Despite multiple attempts to resolve these inaccuracies directly with [ Name of Company/Creditor ], no updates have been made to my credit report, and the erroneous information persists.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act, Comenity Bank/XXXX  ( Account number ending in XXXX ), has violated my rights Under 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Improper Late payment reported on XX/XX/201XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed these transactions with LVNV Funding as I dont have a signed contract with them or have I ever. I requested proof of my signature on a contract with them and they did not provide me with anything. They removed only from XXXX credit bureau not all XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/2022, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX BANK XXXX XXXX Balance : {$5900.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, Medical XXXX Balance : {$96.00} Medical XXXX Balance : {$110.00}, Medical XXXX Balance : {$10.00}, Medical XXXX Balance : {$75.00}, Medical XXXX Balance : {$21.00}, Medical XXXX Balance : {$80.00}, Medical XXXX Balance : {$210.00}, Medical XXXX Balance : {$31.00}, Medical XXXX Balance : {$310.00}, Medical XXXX Balance : {$28.00}.
Product: Money transfer, virtual currency, or money service

on feburary XXXX of XXXX i was sent two payments through the form of XXXX  {$240.00} in total from one person named XXXX XXXX XXXX XXXX she sent me the money as a payment of XXXX  because thats the only form of payment i have. she bought XXXX XXXX ( figures ) off of me that i have available i told her to bare with me because i had to ship out the package this where she lives. i have been having rough days and couldnt get to the post office, i had explained to her that i would be going saturday the XXXX of XXXX to ship out her package and she asked for her money back saying i was scam her. i explained to her that it was not the case and showed her proof of the package. i sent the package out by ups this morning XX/XX/year>. i checked my bank account again after shipping her package out and the {$240.00} she sent me through XXXX are on hold/pending and are no longer in my bank account balance. i spoke with a representative from my bank and they explained that the department that handles that are open monday-friday and since today is saturday there was nothing further he would do except tell me to call back on monday. i already sent out the package and she basically called her bank to take the money out. theres nothing i can do about her package because it is already being shipped out to her. i would like my payment to be back in my account, if not she scammed me and its counted as fraud.
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 NAME : XXXX XXXX XXXX XXXX- schools ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX NAME : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NAME : XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Mortgage

It has been very difficult for me to pay my mortgage by the due date of the XXXX of each month. I make payments on my account every month before the XXXX of the month. Nationstar charges me {$71.00} in late fees and {$9.00} processing fee for the 5-10 days that I 'm late. Currently I owe late fees of over {$500.00} in late fees and I do n't see being able to gather enough income by the XXXX of each month any time soon due to my financial situation/income. So every month to compound my financial struggle Nationstar starts to call me daily starting the XXXX of each month and I tell them that I wo n't be able to make a payment till the XXXX of the month. They call me each day after the XXXX of the month to harass me for this. It is very anxiety proking. So I am charged over {$80.00} and harrassed each month on top of struggling to pay my mortgage. I have been refused for a XXXX loan 4 times because they consider it a XXXX home because I airbnb out my home to help pay the mortgage even though all the utilites are in my name. All I need is to extend my payment grace period to the end of the month so that I can avoid late fees that I simply ca n't afford. My loan ballooned from {$1600.00} to {$1800.00} causing this issue. Also the only option I 've been given by nationstar is to pay extra {$2200.00} for 4 months so that I can pre pay 1 month of my loan adjusting the grace period. That is not a realistic option for me as I 'm struggling to pay my mortgage as it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Product: Debt collection

Hello, my name is ( Blank ) and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it contains my request.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, As a consumer, I am gravely disappointed by the lack of transparency regarding the steps your agency took to ensure the accuracy of the items in question under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency must provide a detailed description of the procedure utilized to ascertain the accuracy and completeness of the information to the consumer, as mandated by paragraph 15 USC ( 6 ) ( B ) ( iii ). This includes disclosing the business name and address of any furnisher of information contacted, along with their telephone number if reasonably available, within 15 days of the consumer 's request for such information. I hereby wish to express my deep disappointment regarding the current situation with my credit report. It has come to my attention that despite my previous notifications and demands, the erroneous items that I have reported as a result of being a victim of a Data Breach/Identity Theft are still present on my credit report. I have taken the necessary steps of contacting both your company and the Federal Trade Commission, providing all pertinent information, and filing an FTC Report as proof of my grievances. You must take immediate and decisive action to rectify this matter. I demand that you block and remove all inaccurate information from my credit report as well as provide me with an updated copy without delay. I trust that you will treat this matter with the seriousness it deserves and address it promptly. We appreciate your prompt attention and cooperation in resolving this matter by the law. 

XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with XXXX XXXX XXXX ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXXXXXX XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fed loan is incorrectly submitting derogatory student loan information on my credit reports. My Federal Student Loans were discharged/closed out, by the Department of Veterans Affairs , and The Social Security Administration because of my 100 % Permanent and Total XXXX status. I was informed that I no longer owed on the student loan debts ( by letter from both entities ), yet Fed loan continues to report derogatory student loan balances, and that the account is currently open, on my credit reports. This information that Fed Loan is providing to my credit reports is false information, and it should show as closed accounts, and no longer owing. This is causing my credit score to remain low, and the inability to secure loans. It is affecting my credit worthiness.
Product: Mortgage

I started trying to get a modification on my house as my house after payin for 8 years and never being late is still not worth what I owe on it. I tried to use my good credit to refinance as they have raised my interest rate again this year and ca n't afford it but can not because my house still is not worth what I owe on it after I paid XXXX dollars for an appraisal. I have spent months seconding ocwen financial paperwork to get a modification. They say they are reviewing it and I ttakes 30 days and then after 30 days they say they need more paperwork. I have been doing this since XXXX with this company ther should be some law against this. Today I talked to them as my review was suppose to be done again XXXX XXXX th and the representative today said he is not sure I must need to send more information. I have done everything asked in order to get a modification and this company continues to put me off tell me everything fine it 's inder review and then says no now we need more paperwork.
Product: Bank account or service

Someone obtained my debit card information/number and used my card for appox $ XXXX-XXXX purchases and gas. I didnt notice until my statement showed a purchase at XXXX in XXXX, CA while I was in XXXX, CA. How could I have possible been in cities XXXX miles apart on the same day? If Bank of America were to check my account for the past 5 years, theyd see I never visit these places that the theif used my debit at. Bank of America has now refused the claim twice. The total of the charges were {$380.00}, claim ID # XXXX. How does someone obtain your card number and use it and how is the bank not responsible to keep your monies safe?
Product: Money transfer, virtual currency, or money service

I sent money to someone on XXXX for a product and they never sent the the item and then blocked me and won't respond. And took my money.
Product: Debt collection

XX/XX/XXXX I received a message from XXXX with XXXX XXXX XXXX XXXX stating this is an opportunity for me to make a statement before my file is forwarded for legal action. XXXX XXXX is their client as I returned the call on XX/XX/XXXXand spoke with XXXX. He went on to say that I attempted to defraud banking institution regarding a payday loan from XXXX. I had never taken a payday loan, I was a student at that time and closed out my account due to fraud transactions. I asked for written documentation in the past when I was contacted by XXXX XXXX, which was not provided. I do not intend on paying this debt as I did not incur it.
Product: Credit card or prepaid card

I received an HSBC credit card and set up automatic payments from my XXXX brokerage account as well as e-statements this past spring. 

HSBC sent me an email saying automatic payments were scheduled. When I looked online I saw that the payment was made and they have been made monthly. 

Sunday XX/XX/XXXX I opened a paper statement that was sent to me from HSBC that said a payment for {$84.00} was made and a charge for {$84.00} was also made. I have not used the card and found the charge alarming since it was the same amount as my payment. I also thought it was odd to get a paper statement. 

When I went to log online to my account, I could not access anything and was further alarmed it may have been hacked. When I called customer service on back of my card, it was closed. So I began to chat with a rep online who told me my account was past due and it had been closed and sent to collections! 

I never received a notice my payments were not made, HSBC never called and only email I received regarding payments was that my XX/XX/XXXXpayment was scheduled. 

I called a number the customer rep in the chat room gave me and entered my routing and account number for XXXX and immediately paid the {$120.00} that was due. This routing and account number are the same ones used in my electronic payments. The {$120.00} payment went through and while my account is no longer past due, it is still with collections : who have never called nor emailed me and I can not get ahold of collections. Also, my credit report which has never had a missed payment in its 20+ years history now has delinquent account and account closed on it. All happening while I need to get financing for my son 's fall college tuition, and now I can't!!! 

I have mailed proof of payment to HSBC from XXXX. HSBC has said there is no way to expedite this, or connect them with XXXX. They do not have a fax number nor an email I could send proof of payment. 

Lastly, today, XX/XX/XXXX, I received a letter dated XX/XX/XXXX from HSBC that the account is closed and in collections with a number to contact, but the number is -again- customer service and they could not help me at all because it sits with collections who no one has any means of contacting. 

How can they process two payments but reject two all from the same account then say it is past due, close the account and send it to collections without any attempt to contact me via phone, email, or post ; nor marking online that the account is past due? The only emails I received on my account specifically were 1 ) confirming I was signed up for email alerts and notifications, 2 ) that a XX/XX/XXXXpayment was scheduled and 3 ) my XX/XX/XXXX statement ( XX/XX/XXXXand XX/XX/XXXXwere not emailed ). 

Today when I called HSBC -again- they further told me that I had to call them every month on the XX/XX/XXXXto find out what I owe because I set up electronic statements and the account is now closed they can not mail me statements. Ludicrous! 

HSBC clearly can not process direct debit payments from one of the world 's largest financial institutions, but their system error is marring my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report from all three reporting agencies on XX/XX/XXXX and I saw that the US Department of Education has been furnishing my information to credit reporting agencies such as XXXX, XXXX, and Experian. This is a violation of 15USC 1681B which states that a consumer report can not be furnished unless a written instruction from the consumer ( me ) is given. I have never given written instructions and consent to the US Department of Education to furnish my information on my credit report and to the credit reporting agencies ( XXXX, XXXX, and Experian ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that I did not authorize or approve of.
Product: Credit reporting or other personal consumer reports

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). 

The following account listed on my credit report have violated my rights : XXXX XXXX XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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.