23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had an XXXX Costco membership credit card. Recently XXXX XXXX partnership with Costco has ended and XXXX XXXX Costco Co-Brand Card was transferred to Citibank. 

I have an balance on my account when it was transferred from XXXX XXXX to Citibank. I want to make the payment once i check and confirm the charges that are induced on my account. Last 2 months and 18 days I have not received the replacement card of Citibank and neither any statement that shows the pending amount on my account. 

1 ) The existing XXXX Costco membership credit card is no longer valid and I am not able to login to my account. Any communication to XXXX is routed to Citi bank. 
2 ) Since I do not have the replaced Citibank card, I cant login to account to Citibank to see what charges are induced on my account. 
3 ) Last more than 2 months Citi bank has done more than dozen calls all time in the day including holidays and vacations to make a payment without providing me the detailed statement and the replacement card. 
4 ) XX/XX/XXXX I had more than 10 calls with citibank where they updated my address keeping me on call for more than a Hour at time and ensured that they will fix the issue and send me the card and statement which I have not received till date as of XX/XX/2016. 
5 ) unfortunately my day starts with a discussion with Citibank card customer care who without knowing the fact that I do not have the card with me asks me to make a payment. 
6 ) It came to my knowledge that Citi bank has send my card to old address and now without sending me the card at new address they ask for making a payment. 
7 ) Almost 2-3 times in a week Citibank customer care division calls me in morning / noon and during office and work time to make payment but do not understand that i neither have a replacement card provided by Citibank nor the statement available with me to check the charges induced my account. 
8 ) This is mental harassment of a customer without having correct information available. 
9 ) There has been calls from XXXX and other citibank number almost each day which ruin my critical work time and effort without providing me the replacement card and statement. 
10 Due to this unprofessional behavior from Citibank I am not able to see or confirm that what charges on account and neither I am able to pay it online. 
11 ) each time a new customer care executive calls me and I have to tell the same stro from a to z and still the citibank do not act on the root cause. 
12 ) In absence of new card which Citibank is suppose to send, I am not able to make my purchase at Costco wholesale from last more than 2 months. 
13 ) It is a mental torture that every second day or other some one call right in start of day to ask me the same thing that I have explained to Citibank customer care executives for more than dozen times in last month. 

Please please assist me so that my credit scope and other aligned things are not impacted. Also please suggest for any other steps I can do. 

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

XXXX  student loans have been  discharged a nd I have a letter from the   XXXX   XXXX   XXXX   stating all loans have b een discharged.  The  XXXX  credit bureaus refuse to accept the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$9300.00}, {$1000.00}, {$2200.00}, {$2900.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX with  ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 


-- INSTALLMENT LOAN 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I was attending an amusement park, and my wallet went missing. I informed the authorities, and a report was made in case it could be recovered. I recently obtained a copy of my credit report and notice an account that I have no affiliation or knowledge of. I reached out to this company to gain more information and have requested verification without a response. This account being furnished to my profile is in violation of 15 USC 1681. Not only should an account not be furnished without my permission, but also should not be furnished due to identity theft. Furnishing these accounts are not only violating my rights but affecting my ability to obtain credit. I have no idea what MET DATA company is nor have I ever had an account with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a roommate who lived in my home for several years. I was not aware that they illegally acquired my information and over the course of these last several years used my information in an attempt to acquire credit with various credit companies. 
I contacted by phone XXXX and they were very helpful and removed the inquiries in question but then about a month later-reinserted those inquiries without any notification to me whatsoever. I also called Equifax and XXXX and was told that hard inquiries were not allowed to be deleted. That is not an accurate statement and the FTC has provided me with a letter acknowledging that I am the victim of identity fraud. I would like to have any inquiries that I did not personally make and or sign for removed as soon as possible. Since different credit bureaus have different inquiries I would like to have a dispute opened for me with a representative so I can accurately and fairly get my information updated. Thank you
Product: Credit reporting or other personal consumer reports

I was unable to open up A bank account. The bank tried to open up an bank account and they noticed my credit score was low because of an unnoticed line of credit for A loan was used in that city and state bank account that I never enrolled in or know anybody out there. I'm not sure how this bank account got my information/credit opened but it is fraud. I called them and they said they would reach back to me and I never recieved a call from them or the fraud department they said that would reach back neither an email from either of the companies that was provided to me as well. I will be uploading pictures of when I called the dates and times will be on there as well and the credit loan.
Product: Credit reporting or other personal consumer reports

Looking at my consumer report I saw some instances of late payments on that account. For which am certain to maintain on time payment every month. The consumer reporting agency have a crucial and vital role according to the law to report consumers information with maximum accuracy and it is imperative that consumers information be reported accurately. I have never Been late that account and I have included screenshots inside this complaint on date XX/XX/year> XX/XX/year> XX/XX/year> and XX/XX/scrub>XXXX XXXX I am asking for a proper investigation and provides proof with statements showing that these payments were late. If they are not able to show and provide such proof i demand that this account be promptly updated to reflect the true status of on time or paid as agree do to the fact that I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act PNC BANK Account # XXXX, has violated my rights. 

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 an 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 purpose.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX - Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX
Product: Debt collection

We received a letter in the mail for {$5700.00} that we do not understand from Quantum Collections. We called and asked if we could get a breakdown on why we had such a bill, the gentleman on the other end agreed and said that he also has requested this from the property management office and assured us that he will be sending that breakdown out to us within the next 7 days. He also agreed that it was important that this information be visible before any action can be taken. 
Alarmingly, this amount has appeared on our ( myself and wife ) credit report with out any clarity on what constitutes this bill. 

At this time we are forced to believe that this bill is falsified and an attempt to extort us ( because he offered us a 50 % one time deal ) knowing fully well that we are immigrants.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts reported by XXXX XXXX XXXX on my credit report ( s ). <P/>Totaling {$3000.00} and {$500.00} each. <P/>The original creditor reported to the credit files is XXXX XXXX XXXX. <P/>I do not have nor have I ever done business with a company named XXXX XXXX XXXX. <P/>When I contacted XXXX XXXX services they said the company was XXXX XXXX XXXX. <P/>When I attempted to contact XXXX XXXX XXXX I discovered they were no longer in business and the current staff does not have any contact info for them. <P/>XXXX XXXX is no longer in business and any claim asserted by them is null. <P/>I have no way to dispute any alleged charges of have a point of contact with XXXX XXXX to get to the bottom of the charges they claim. <P/>All XXXX was willing to do was tell me " That 's what they say you owe. '' This is not a legitimate debt and and it is libelous what they are doing to my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account Name : XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX # 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 or 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

Transunion, XXXX and XXXX have provided my financial information to companies and individuals that have stolen all of my assets and my IRS information.
Product: Mortgage

At the end of 2020, I tried to transfer the mortgage that was in the name of my late mother over to me. The bank has will, XXXX, and successor paperwork. From XXXX XXXX  2021, to present I have submitted bank statements and other financial related documentation to Bank of America, and each time the bank either misplaced it or did nothing with it. I recently received another loan packet from Bank of America to complete this process for the XXXX time this year, and today I received a letter stating that my mortgage was being transferred to XXXX XXXX XXXX XXXX XXXX I called BOA and they expressed no knowledge of this information. I called XXXX XXXX and today is XXXX XXXX, XXXX, and it is not a holiday, and the company is closed. I do not even know if this is a legitimate business. I am XXXX and I have XXXX, and it is unacceptable to me that nobody knows what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below indicate my federally protected consumer right to privacy and confidentiality under 15 USC 1681 have been violated. 

XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX {$340.00} XXXX Opened XX/XX/XXXX {$710.00} 15 U.S.C. 1681 Section 602 A - This states I have the right to privacy 15 U.S.C. 1681 Section 602 A Subsection 2 - Also states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1681 Section C Subsection A5 - States no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681 Section S Subsection A1 - States 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 or other personal consumer reports

As stated in other complaint XXXX I can not access my Equifax score online, and they are claiming they don't have a file on me, and also providing incorrect information to other companies. 
Since I could not get it online, nor can I get it from XXXX, I sent Equifax a paper request via mail. They sent back a form letter requiring a copy of my driver 's license and social security card, which I had already sent them this year, but I sent them again in XXXX. 
In early XXXX they sent the same form letter back to me requesting the same documents. 
I've sent them legible, valid IDs 3 times this year and they won't respond and they won't send me my credit report and they won't correct the inaccurate info on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$2700.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and consequently nothing to collect and/or charge off. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I submitted a complaint with Experian Rent Bureau and I see now that the company XXXX XXXX XXXX XXXX XXXX, XXXX ) Do Not have license to collect debt in the state of Georgia. 
A Debt Collector in Georgia MUST comply with the Fair Business Practices Act. The FBPA requires debt collectors to obtain a license from the Georgia Department of LAW before engaging in debt collection activates, any debt collector violates the requirements of the Fair Business Practices Act in Georgia, there can be various consequences and remedies available. The FBPA is designed to protect consumers from unfair and deceptive practices, including Legal Action that could be taken out against the business that are in violation of this LAW.FCRA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to CRA.

I need the 2 Accounts to be DELETED IMMEDIATELY, and I new a response back in 15 days showing to update report. 

Please find the Proof of State Registration where the company can only collect debt in these state. I demand that the account be DELETED Immediately or I will taken Legal action against Experian Rent Bureau for violating my rights as a consumer.
Product: Checking or savings account

On XX/XX/2021, I reached out to my bank, WesBanco, regarding a negative balance of XXXX, with my checking account. I never in my life had a negative balance that high. I also was always told that my checking account would never be over a XXXX balance. I stopped at my bank over my lunch break from work to ask for a copy of my checking account activity for the month of XX/XX/2021. ( attached of what I received ) The young XXXX  at the bank told me she was new and was unsure of all the charges that placed my checking account at such a high negative balance. Later that day, I reached out to another WesBanco employee via e-mail, to see if I could get a better explanation. I was told that it is the financial institution as to how many times a check can be submitted and re-submitted again and again to incur {$35.00} overdraft fees. I have been a WesBanco customer for XXXX years and never have been treated so badly. I am now in the process of seeking out a credit union for my future bank services. I feel I have been singled out and have been the victim of unnecessary service fees forced on me by my banking institution, with no explanations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Teh bankruptcy reporting has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate the bankruptcy they are reporting .However, they stated everything was complete and accurate. But how is that possible if I have a letter from the courts stating they didn't report my information.I also have attached a letter from XXXX XXXX stating the removed the bankruptcy because they couldn't verify the bankruptcy. I have also attached the letter from XXXX XXXX and experian stating they verified the bankruptcy ( which they are lying and breaking the law ) According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 card or prepaid card

I'm a discover cardmember since XX/XX/2016 and made 100 % timely payments, but on XX/XX/XXXX I made a payment in the amount of XXXX and because of a frozen bank account it didn't go trough.. so i re-did a payment on XX/XX/XXXX from a third party bank account but because a other check came in in the same time the payment was returned.. so I did over the payment on the XX/XX/XXXX and THANKS XXXX   everything went smoothly, but DISCOVER closed my account cuz of this payments, was on the phone with them for almost an hour and they kept on transferring me to other departments on & on ... and the main they said they cant re-open the account they just closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- unauthorized hard inquiry on my credit report XXXX 700 Credit/XXXX XXXXXXXX XXXX unauthorized hard inquiry on my credit report XXXX XXXX XXXX unauthorized hard inquiry on my credit report I contacted XXXX about all 3 of these companies as soon as I received the alerts that they had pulled my credit report. When I tried to dispute the inquiries, I was told that I would have to contact the companies directly to dispute it with them. When I tried contacting the companies, I was only able to reach one, as the others had listed a CELL PHONE VOICEMAIL and an inoperable phone number as their contact number. The one company I was able to reach told me that I had to contact the credit bureaus. When I called XXXX back, they told me again that I had to contact the companies. On my third call to XXXX I was told to file a complaint with the FTC, which led me here.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, OFFICE OF THE ATTY GEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

Approximately on XX/XX/XXXX or XXXX of 2020 I submitted a credit increase request via the automated phone service with Capital One because the Customer Service Representatives can not do this over the phone. I am working to increase my credit availability and credit score in preparation to purchase a home so this is not an outrageous request, especially since my payment history with them has been impeccable over the past few years on both accounts that I have with them. 

I received a denial letter of the increase request, the reason given was because there were too many recent inquiries on my credit report. So, I wrote a letter to explain that the credit inquiries were because I recently purchased a new vehicle and the dealership was not aware that I was planning to use XXXX XXXX XXXX XXXX to purchase a vehicle and they ran my credit searching for a lender, hence the reason for the inquiries. There have been no others and I have not been approved for any other credit recently other than the vehicle, which I have been approved by XXXX XXXX XXXX XXXX. 

However, I wrote to explain this so I can still be considered for a credit line increase, again to better my credit, but I receive a letter back telling me that they are unable to fulfill the request through written correspondence and the letter proceeds to tell me to call the XXXX number. 

This information is sending me in circles and I am not going to run down rabbit holes trying to get this request honored. What ever happened to quality customer service? The Customer Service Representatives that I do speak to can't help me with my request and the automated service denies it without being able to comprehend an explanation and then it can't be acknowledged and addressed via written correspondence. What the XXXX? I am so disappointed. I never thought that I would get this kind of run around and terrible customer service from Capital One of all companies. 

I do not want to close my accounts with them or pay off the entire balance and stop using the cards but if this is the kind of customer service I am going to get I will have no choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting debt from XXXX bank without validation or contract tried to have them correct the situation and they are refusing to do so XXXX can not verify the debt and yet its being reported on the report
Product: Debt collection

This debt was paid as a part of a claim with XXXX claim number XXXX two years ago. My claims adjuster was XXXX. The information is no longer available to me online. On XX/XX/2016 I was XXXX   and XXXX the NJ victim compensation paid all medical expenses.