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

CITIBANK has not tried to resolve the inaccuracies on my credit report. I have been trying to contact someone since XXXX. The last complaint filed, I receive a response stating to give them a call, I called the number that was provided, left a voicemail and have not heard back. This company refuses to assist me with how they are reporting and at this time if the information is not updated correctly I will seek legal action. They continuously hurt my credit score with the false information thats on my credit report for XXXX, XXXX   and XXXX. I'm trying to buy a home and this is my way of moving forward. XX/XX/2019 should be the only past due payment. The many times that I have tried to correct this there is no hope but to sue this company. 

With XXXX  they are reporting 5 late payments, XXXX   shows 1 late payment and XXXX  they are reporting 2 late payments. This information is incorrect and again I have tried to resolve this with no assistance. It seems as if no one at Citibank cares, cant read and definitely and are ok with giving incorrect information on customers credit report.
Product: Credit card or prepaid card

Barclays company never notified me of a rate increase, when I called they stated because the federal government raises the rate they dont have to notify me. They also charged me double interest on my statement balance. If I paid half of my balance why are they calculating interest without acknowledging my payment-this is lying, stealing, and deceiving customers.

They told me the computers have been down for two hours thats why they cant look into my account to see what happened which is a lie..
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against TransUnion for reporting inaccurate balances on several accounts that they previously verified. I have noticed that my credit report from TransUnion contains incorrect information regarding the outstanding balances on multiple accounts. These errors are causing my credit score to be negatively affected and I have been unable to secure credit or loans as a result. 

I have contacted TransUnion to have these errors corrected, but they have not been resolved. I have provided documentation and proof of the correct account balances, yet TransUnion continues to report the incorrect information. 

I request that the CFPB investigates this matter and takes appropriate action to correct these errors and hold TransUnion accountable for their actions. 

Thank you for your attention to this matter. 

Accounts in question : TXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$33.00} XXXX XXXXXXXX {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} I have attached at least one example of how the TransUnion willingly reports inaccurate information without verifying anything. The amount doesn't even add up. TransUnion is just reporting anything at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitting this CFPB Complaint will already be my 4th CFPB complaint requesting the removal of the Fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, upon reviewing my updated Credit Report, it can not be just be overlooked since the Credit Reporting Agencies have failed to completely eradicate the disputed items from my Credit File. I am now submitting this CFPB Complaint requesting to the Credit Bureaus that they immediately remove the disputed items from my Credit File. Also, the Credit Reporting Agencies have failed to send me copies of proof of verification or proof of ownership with the disputed items. I have been requesting these documents since last month and yet the Credit Bureaus have sent me nothing. Please have the following items removed as soon as possible ; XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$210.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX XXXX and XXXX XXXX/2017, not one of the companies I filed a dispute with responded with validation within the 30 day time frame. Instead they respondent with an acknowledgement that the received the dispute. When i contacted XXXX I was told that the companies just have to acknowledge your dispute and in-which is all they needed to do in order to keep the debt on my credit.  That is not an investigation. Validation with an address and social security number can be obtained by anyone that can request your credit report. Copies of copies are not a form of Validation, and by Law are not considered proof. I was later (after 30 days) presented with unsigned contract and an itemized statement as of evidence of validation from XXXX XXXX and I received only an acknowledge of correspondence of my dispute from XXXX XXXX. I later received a copy of a copied contract from XXXX XXXX that nowhere indicated I had a contract with XXXX XXXX but another company and with an unidentified signature of another person. The process from these companies that are able to keep non- validated information on your account is breaking the law, and the credit bureaus are not investigating anything and are ignoring my request for the information that was provided from the reporting agencies to be provided to me. By law I can request the information from the credit bureaus to see what is provided to them from these companies to keep this debt on my credit, and I did this with an affidavit, that must be honored by law. Again, if you are going to keep items on my credit that has damaged my life and continue to damage my life, I need to see the proof of this debt because these reporting agencies are not providing validating information and some NEVER even responded at all to me (the consumer). I sent the proof of me sending affidavits to every company on my credit report and I also sent XXXX XXXX an affidavit as well, and still no response from my affidavit request. Summary: These companies/reporting agencies failed to provide me with a copy of any original documentation for example, a consumer contract with my wet-ink signature on as required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) of the Fair Credit Reporting Act.Pursuant to the Fair Debt Collection Practices Act, I request verification/validation of the debt including the following:Original Copies of all information regarding the above-referenced debt, including statements, reports, ledgers, correspondence, notes, origination documents (including any and all application and usage/activity signatures) and documents relating to any assignment of such account to and/or from any third parties.Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. If you are unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report..
Product: Checking or savings account

Hope this finds you well. My business recently was affected by unauthorized transactions to our checking/debit card accounts. We processed in time and to accordance unauthorized transaction disputes. These disputes have been denied twice by the bank itself stating that we have done business with the merchant in the past. The merchant in question has been our business processor, they added services and equipment to our invoices without delivery of either, they have since via email communication offered to credit the amount of the equipment and offer our business a substation discount on future invoices for the situations. 
The bank however refuses to reimburse our company and our personal accounts more than {$2000.00} in fees associated with the loss of these large amounts with caused our accounts to go negative. We had to personally contact the merchant with whom charged that took unprecedented amount of hours and time. 
We where told several times that provisional credits would be applied to our accounts within 10-days of the disputes and where mislead, not only once but twice. These lies created negative accounts and absorbed any and all operation funds coming through. 
Our accounts have suffered extreme damage as well as our reputation and character with our staff, merchants and other vendors who where effected by loss of funds. The bank has neglected us as customers and created situations that could have been avoided. They have been negligent since XX/XX/2018 when we first disputed the amounts and they told us not worry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account open on XX/XX/2018and It was not possible for me to open an account because I was in XXXX XXXX with the police as I was getting away from my ex partner and a victim of XXXX XXXX. I was also in the hospital as well. I believe he stole my information and repeatedly tried to open fraudulent accounts
Product: Checking or savings account

On XX/XX/year>. I went to the Chase Bank branch located on XXXX XXXX XXXX XXXX XXXX, tho deposit {$1000.00} to my Savings Account ending on XXXX. 

I started the deposit and the machine opened for me to deposit my money inside. Since it would not close after some time, I thought that it might have to do with the fact that the bills were not completely straight ( as I had bended them prior to the deposit ) so I decided to pick my money and try again, which I couldnt end up doing due to the ATM suddenly closed almost trapping my hand. The machine malfunctioned and gave me a receipt instructing me to call costumer service to make sure that the deposit went through. 

I checked my savings account balance and no money was added to it. I consulted the Chase Bank worker at the desk about what happened and she told that I would need to contact costumer support directly. 

A claim was opened under the number XXXX, and I was told that the bank would look it over. A couple of days later I received a {$3000.00} credit fund by the bank while they were investigating the transaction I reported. 

I was then contacted on XX/XX/XXXX by the bank, were they informed me that no transaction had been found and that they would take the credit back. I called costumer support and updated my claim, where I stated once again that I was missing the {$1000.00} that I deposited on my saving account and that I couldnt believe that they didnt check the cameras where I was clearly recorded depositing the money onto the ATM. 

The case was updated and I was told that they would investigate again. Today, XX/XX/XXXX, I received another statement about the claim I made on XX/XX/XXXX ( No. XXXX ). After contacting customer service, they made me know that the case was closed and that after checking the ATM I could no longer file any other claim about the issue.
Product: Credit card

Per your response to my CFPB complaint you stated " the use of your social security number does not guarantee the application will be approved '' very contradicting, so what other factors are there to get my approval. 

12 CFR1002 Application means an oral or written request for an extension of credit that is made in accordance with procedures used by a creditor for the type of credit requested. The term application does not include the use of an account or line of credit to obtain an amount of credit that is within a previously established credit limit. A completed application means an application in connection with which a creditor has received all the information that the creditor regularly obtains and considers in evaluating applications for the amount and type of credit requested ( including, but not limited to, credit reports, any additional information requested from the applicant, and any approvals or reports by governmental agencies or other persons that are necessary to guarantee, insure, or provide security for the credit or collateral ). The creditor shall exercise reasonable diligence in obtaining such information You also stated " please note we do not gain any monetary value from your application submission as stated in your complaint '' but according to your SEC FILLINGS & the diagram I have attached to this complaint shows how " RECIEVABLES '' AKA APPLICATION are SECURITIZED & turns into to VALUE on page 11 per this link here " https : //www.sec.gov/XXXX Also I noticed how my reference number attached to my denial letter & response letter # XXXX has USD at then end. Would that happen to be my XXXX # or is that how much my application is worth. This complaint also will be published for the world to see. 

regards
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had four late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX XXXX ) : Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent letters, filled out forms, and called several times to have the fraud alert removed. XXXX will not remove the alert. I've contacted the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, and have been violated according to 12 CFR 1026.13 ( d ) ( 2 ) that states : " Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. '' U.S. Bank National Association has reported information of a delinquent account ( 30 day late ) that is in a billing error status on XXXX XXXX to the credit reporting agencies. 

On several occasions I had requested clarification of the billing error both by recorded phone call on XX/XX/2021 at XXXX PST, as well as by USPS Certified Mail with included Certificate of Mailing form XXXX on XX/XX/XXXX, XX/XX/XXXX and most recently on XXXX XXXX in accordance with 12 C.F.R. 226.13 ( d ) " Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date ; ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. also 15 U.S.C. 1666 ( b ) ( 2 ) " A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. '' ; U.S. Bank N.A. has violated the terms of billing error and has not provided any requested documentary evidence to satisfy such claims of debt. '' On XX/XX/2021, while the account in question has been in dispute for a billing error, U.S. Bank National Association had reported my personal information to the credit reporting agencies without my expressed written consent. 15 U.S.C. 1681b ( 2 ) states : " In accordance with the written instructions of the consumer to whom it relates. '' I, the consumer was not given the opportunity ; written or oral, to " opt-out '' according to 12 C.F.R. 1016.7 by U.S. Bank National Association prior to reporting this false information that is currently in a billing error status.
Product: Credit reporting or other personal consumer reports

I thoroughly went over and reviewed my credit report recently, and I have noticed that there were some things which 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. This account, XXXX XXXX XXXX, account number # XXXX is not complete and is not accurate. 

XXXX XXXX XXXX account number # XXXX last payment date is not reporting correctly, date last active, date of last payment is not correct, as well as the payment history is reported incorrectly. This account is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Truth in Lending Act consumer credit must include certain disclosures about the terms and conditions of credit. These laws specifically require the disclosures to be " clear and conspicuous '' so that reasonable consumers can read ( or hear ) and understand the information. I have gone to Experian informing them that there is a hard inquiry ( XXXX XXXX XXXX XXXX ) on my credit report which needs to be removed immediately. I never authorized XXXX  to perform an inquiry into my credit report, never applied to XXXX  for any loan, nor did I authorize any one else to do so on my behalf. Today I spoke with representative XXXX of Experian 's dispute department. Not only would he not remove it he remained firm that Experian could not remove it. This is an outright lie, and if I were a lawyer could prove it. Furthermore, XXXX maintained that, because the inquiry is in reference to an auto loan, and I do have an auto loan with another company that is reason enough for Experian to not remove the hard inquiry. This ridiculous counter assertion is not a matter of law or fact. I never authorized XXXX XXXX XXXX XXXX to make an inquiry on my credit report & if they have any proof that I signed a legal document authorizing XXXX  to do so they need to provide it to the CFPB today. Experian has a duty to remove that inquiry from my report. Under the FCRA when I applied for a loan ( which was not with XXXX  ) there should have been document ( s ) clearly and conspicuously '' disclosing to me the consumer how my credit report was being used & by whom! That is a fact, it is a law! Experian must remove the unlawful, unauthorized, fraudulent hard inquiry performed by XXXX from my credit report. The burden of proof is on XXXX to prove I had actual knowledge, and authorized them willingly. I want Experian to remove this XXXX  inquiry damaging my credit report completed A/S/A/P!
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the years of XX/XX/XXXX and XX/XX/XXXX, I submitted a request to be placed in forbearance and or deferment because of my XXXX STUDENT STATUS. 

The request was received and therefore approved because of the acceptable documentation.
Product: Checking or savings account

On XX/XX/2021, I was a victim of identity fraud. I was called on my phone from USAA 's 1-800 number and told by the person on the other line that they were a representative from USAA and they had to place a hold on my card because multiple charges were being made in California. With this I went through the entire process with whom I thought was a USAA representative as far as stopping the fraudulant activity an so forth. They even had the capabilities to send me USAA codes that I had to read back to them. What triggered me to think something was off with the caller was that they told me they were getting a supervisor on the line to speak with me and instead they hung up. I immediately looked at my account and saw {$1000.00} missing that had been XXXX  to someone named XXXX XXXX. I called USAA and told them what happened and they realized this was fraud and connected me to the fraud & security department. Long story short, I went through the entire story with the department. They said I had been spoofed where someone used an app to make the call look like it was from USAA. During the call, the representative asked me was I on a XXXX  or XXXX. I told her I only use XXXX products & have never used a droid. She then said she see 's an XXXX  as well as a droid accessing my account right now which confirmed that there was someone else accessing my account. She then remotely disconnected all phones and blocked all use to my account. We then went through the process of changing all access codes to my account. Before hanging up, she told me the hold will remain for 3 business days and I would receive my money back. What has happened is the fraud department ruled against me stating it was not fraud making me the victim, the criminal. After several complaints I still have not received my money back. I have been with USAA over 14 years with not one issue and I am flabbergasted with how I have been treated by this bank.