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

On XX/XX/XXXX, I sent a letter to Equifax about an XXXX XXXX credit card on my credit report reporting with late payments. I asked Equifax in this letter to re-investigate these late payments as those are errors. 

I have included the letter I sent them on XX/XX/XXXX. Equifax responded on XX/XX/XXXX updating personal information only. I never asked them to update them personal information and instead asked them to investigate why there were late payments on this XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXXXXXX 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, credit repair services, or other personal consumer reports

Navient has  been reporting the wron g 1st date  of delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to all three credit bureaus with no change in it being fixed over the last year. Only  XXXX  credit bureau removed  XXXX  of the  XXXX  accounts as it should have been but failed to remove the other. I have sent bills from Navient to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from Navient should not even be on my credit repo rts. Na  vient has also been past the statute of limitations for NY ( 6 years ). For a long time Navient was  reporting the wrong history and balances of the accounts since day  one,  but that was updated last year. I never had this issue with  XXXX   XXXX  as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the Navient payment history for both accounts in yellow via attached documents to show the proof.
Product: Checking or savings account

I received a text message from XXXX bank telling me that my account had suspicious activity of XXXX. There was a link to click on to fix this problem. When I tried to call the phone number it went to voice-mail so I went to the web address given and it looks like a XXXX website, however, you can not proceed to any site function via site navigation without inputting your personal password/code and account information, ie account numbers, social security number, etc... I sent this to XXXX fraud department and to an antiphising department for fraud/theft. I am now reporting it to you. I hope you are able to locate these criminals before they steal any money or get any personal information to ruin others credit worthiness or banking information. I am enclosing a screenshot of the text and my personal information so you can contact me further if need be.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Citibank managers conspired against me burly reporting to the credit bureaus that I obtained my credit through identity theft. They sent documents to XXXX via US Postal mail indicating that all my credit was obtained by identity theft. Citibank white employees are racially profiling me and been harassing me since XX/XX/2023 when I contacted them to file a lawful dispute against a merchant in regards to an online order I made on XX/XX/2023 that was not fulfilled by the merchant. 

Citibank contacted the credit bureau and submitted false documents using my name and impersonated me. Without my knowledge or consent. I became aware of this issue on XX/XX/XXXX and immediately contacted XXXX and advised that the information received by Citibank is false! Instead of stopping this XXXX sent notification to my Creditors which resulted in one credit card by XXXX XXXX being closed due to fraud application. 

To this day Citibank also closed my credit card account for no lawful reason. Their ongoing harassment and lies has caused me to be harmed financially! All of my credit was obtained using my name. My social security number and date of birth! I have never obtained any credit by identity theft. 

Citibank employees put false notes on my credit card and sent false information to the credit bureaus. I need help to stop Citibank from doing this to me. 

XXXX confirmed they received two documents from Citibank with my name, social security number and date of birth indicating that this information is identity theft! That is a lie! I was born in XXXX XXXX  XXXX and I am an American Citizen, both my parents were born in the XXXX XXXX and matter of fact my deceased Father was an XXXX XXXX XXXX veteran who fought in the XXXX XXXX. 

Citibank hires racists who use their job to harass and discriminate against people XXXX XXXXXXXX. Their harassment and lies has caused me tremendous pain anxiety and stress! Citibank XXXX employee has terrorized my life and causing me financial hardship! I need help to stop this. 

To date Citibank false reports to credit bureaus resulted in me being locked out of my online account with XXXX and XXXX taking adverse action towards me! I am a human being and need Citibank to stop this ongoing harassment and violation of my rights immediately! Citibank also put my life and my family life at risk by sending the Police to my home by making false accusations against me! Their harassment and terrorizing my life is ongoing. Their managers by the name of XXXX XXXX XXXX are just a few of their employees involved in this because I am a XXXX woman! Also they reported wrong information to credit bureaus stating I went over my credit limit and reporting a false high balance! I need this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

LATE PAYMENTS ARE REPORTED ON STUDENT LOANS WHICH WERE IN DEFERMENT AND THEN LATER CONSOLIDATED. LATE PAYMENTS NEVER REMOVED AND IT IS NEGATIVELY AFFECTING MY CREDIT SCORE. DEFERRED LOANS CAN NOT BE LATE, WHEN NO PAYMENTS ARE DUE. 

FEDLOAN SERVICING OVER 20 ACCOUNTS SHOW LATE PAYMENTS.
Product: Checking or savings account

I am a victim of fraud. On XX/XX/2022 {$79000.00} was wired out of my Citibank Checking account. It was XXXX transactions Citibank will not give me my money back because they say I did not protect my account. The criminal called and said they were a CitiBank employee and someone was using my credit card. I asked them how do I know you are from CitiBank. She said in a few minutes I will send you a Citibank alert. I got it and it was a real Alert. That is why I believed it was true. She told me to push yes that I got the alert and I am aware that this is happening. Because I pushed yes that is obviously how they got my money. But how did they get my credit card information. I didnt give it to them.
Product: Credit card or prepaid card

Through covid I was having a hardship with work and my credit card companies sent my accounts to collections. Now my credit score is ruined and Im trying to get a house and I cant.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Experian for two reasons. I asked them what happened to my XXXX card that was reporting and why has n't my authorized user account from my sister XXXX XXXX not reporting yet. 

They stated they did n't see a XXXX on my report and that there was never a XXXX card reporting. I explained that that was not true and that i have had the card sine XX/XX/XXXX. They stated it was never on there and that they did n't know what to tell me. They explained they can have someone look but they did n't know. When I asked about the XXXX XXXX they said they removed it from my account because there was a late payment from XX/XX/XXXX. I asked them why would they remove that because it was positive on my report and they said they had the " right '' mot because I was n't responsible for the debt. I explained that I needed that to report on my credit and they said they did n't know what to tell me again. 

I asked where does it state if there is a let payment you wo n't report. The supervisor ( XXXX out of XXXX TX ) stated he 's not her to prove anything to me. They took it off and thats that. He then stated he was n't explaining himself to me any longer and that it wo n't report until XX/XX/XXXX. I asked him who gives them the right to say what can not go on my report if I authorized it and he stated he has it. When I asked to be transferred to a different supervisor he stated he can take my name and number and have someone call me. To this date no one has called. 

He then to me to call XXXX because he had no other suggestions to tell me.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, Backgroundchecks.com reported that they would not be able to freeze or opt me out of their consumer information database. Since this report accessed by POF and Tinder without my knowledge ( these companies likely included the requirement to pass a background check in their TOS, but I never explicitly authorized a background check nor did I ever receive any notification of one being performed ), I want to freeze this report so that only very intentional applications should be considered. Backgroundchecks.com claims that freezing reports is not required by the FCRA " or any other law ''. Given that they sell almost all data imaginable, this is terrifyingly obscure and opens me up to untold data collection with no ability to restrict it. See their own site at XXXX XXXX XXXX
Product: Mortgage

Roundpoint Mortgage Servicing Corporation refuses to pay our property taxes. I have had a mortgage with Roundpoint Mortgage Servicing Coroporation for XXXX months. No taxes have been paid the entire time. I have contacted Roundpoint Mortgage Servicing Coroporation every day by phone and email for 14 days. No resolution of the unpaid taxes. 
I now have late penalties and a pending lien on the property due to Roundpoint Mortgage Servicing Coroporation
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act US 15 Code 1681B permissible purpose of a consumer report A consumer reporting agency may report information only if the consumer gives written consent I have not authorized this company to report no consent is identity theft According to the FCRA Information giving to a creditor should identify the identity only of the consumer not the relationship with a creditor thats a violation of my privacy Transunion has furnished information that is indeed inaccurate I have sent numerous of letters pointing out the inaccurate incomplete reporting I was recently denied by XXXX XXXX XXXX XXXX Due to inaccurate information listed on my reports I asked for reconsideration and was still denied, I have all letters sent to all bureaus I will furnish them upon request It has been over 30 days I have received no response from XXXX, XXXX, or Transunion
Product: Checking or savings account

I open a checking and saving accounts back in XX/XX/XXXX in Key Bank I have nothing but headaches from this branch is like pulling teeth with your own money. The unauthorized transactions made in my accounts they still have not been neither fix or credit back to my accounts till this day. After is clearly in my account of such unauthorized transfers. Just recently on XX/XX/XXXX {$300000.00} and the rest of my money was swiped out of my accounts completely and after numerous complaints still my money hasnt been credit to my accounts. I want all my funds the same way I put them in this bank. This is the biggest fraud I had ever seen done to an individual.
Product: Debt collection

I have tried to call repeatedly and speak with someone to settle and get on a payment plan for the amount owed and noone will answer. I have tried several options on the automated system that pops up when I call. When I spoke with them over a year ago they stated that they would not email me or mail me any information regarding this debt and at that time I had called them in the company of my credit councilor when I began trying to fix my credit. Since then I have made several attempts to call and they just don't answer. This debt is severely impacting my ability to purchase a home that I currently have under contract due to their failure to ensure that they are reachable or send me any information about this debt so that I can try to resolve this. 

The Company name is Colonial Auto Finance and they do the financing for a Buy here/Pay here lot called XXXX
Product: Credit reporting or other personal consumer reports

On the morning of XX/XX/year> I received texts in rapid succession from 4 numbers related to a loan request that I did not initiate. In each case I replied STOP and then received the next text from a different number. In one case I was advised to STOPALL, which I did. 
I then received an email from Transunion advising that a credit inquiry had been run. 
I was able to see an unauthorized inquiry on my account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DE XXXX I called XXXX XXXX XXXX XXXX XXXXXXXX to advise that I did not apply for credit. They advised me that I was approved through an online application. I have not filled out any requests for a loan in years. They agreed to investigate saying that they would get back to me in 5-7 business days.

I put a freeze on my Transunion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion displays innacurrate employer information on report. I do not work for XXXX XXXX.
Product: Debt collection

In XX/XX/XXXX, my loan officer requested my credit report. He sent me the report and there was a charge from a company called Credit Corp Solutions. I call them and They stated that I owed to them the amount of {$2500.00}, they said they were debt collectors from XXXX XXXX. 
At that time, I requested them documentation to support that debt. I told them that at my knowledge I did not have any debt with XXXX. I also contacted XXXX XXXX and they stated that I didn't have any debt with them. Credit Corp Solutions said that they were not allowed to provide any statement if I wouldn't give them my Social Security number. 
I denied that request and never was contacted again. 

On today 's date XX/XX/XXXX per my Loan Officer suggestion, I called the debt collectors again. They said that if I wouldn't pay them today, they will prosecute the debt. 
I did request the statements again, and they provided me with a charged off statement by XXXX and a letter from them, sent to one of my old addresses XXXX XXXX XXXX XXXX ; obviously I never got that letter, I moved from that address in XXXX. I never received an email from them either or a phone call. 

After I received their statements via email, I told them that I was going to revise that information and I will contact them back, they forced me to talk to a manager and I hanged up on them.
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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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

Trying to remove all comment on credit reports/from credit reporting agencies showing items in dispute. 
1. Please remove all dispute comments on all accounts! 
2. Please remove all late fees and show XXXX balance due XXXX student loan XXXX and student loan XXXX. 
3. Please close XXXX XXXX account and remove all dispute comments! Show XXXX balance due!
Product: Checking or savings account

I have an account with Chime. I get paid from my job through direct deposit from XXXX XXXX XXXX. I was paid {$410.00} on XX/XX/2025 and tried accessing the funds that same night to order an XXXX  ride home. My card declined and when I asked XXXX  why they said it was due to the bank suspecting fraud. I had not received a text from Chime so I decided to check the app but there was no alert nor was there a history of the failed transaction. I decided to wait a bit and try again but no luck. I was stuck at work trying to call them to get answers. I was able to speak with a representative who asked me to text " start '' to XXXX. I did that and received a message from Chime thanking me for opting in. Then she instructed me to try the transaction again. It did not work. She then escalated it to a supervisor who told me the system had flagged my account and all I could do was wait XXXX hours and try again. It has now been a week, and I have not received any help from Chime. I have called several times, spoken to many representatives who could not assist me and only told me to wait. I am now late on several bills including my phone bill, my energy bill and I have not been able to purchase groceries. I also had to miss work on Friday because I could not afford to get there. Nobody is able to help, and now I am being told that if I decide to close the account it will take XXXX  days to receive a check. At this point I am going to close the account but I am still worried I will not receive any funds since the Chime team seems very incapable of assuring me. I was also told that my account was locked due to security issues but I have never received any fraud alerts by mail, text, email or call. I have never been asked to approve a transaction. It just declines everything and from my end it doesnt even show the denied transactions.
Product: Credit card or prepaid card

I asked to be removed from a Zions Bank credit card joint account with my ex-wife. I sent a letter on XX/XX/XXXX asking to have my name removed from this account. I was contacted on my phone by a Zions Bank representative on XX/XX/XXXX, from Zions phone at XXXX. The representative said that my name could not be removed at that time because there was still a balance of {$940.00}. He said that when it is paid off in full, I could have my name removed. It was paid off in XX/XX/XXXX, so I asked again through a letter on XX/XX/XXXX to be removed from this account. I heard nothing from Zions Bank and it still is shown as a joint account. My ex-wife is now charging again on this account and it is charged up to {$1500.00}. I should not be held responsible. This account was issued to my ex-wife and I on XXXX, XXXX, XXXX. I no longer live at the same address as my ex-wife. She and I are now divorced since XX/XX/XXXX. I wish to have my name completely removed from this account. I do not want to be held responsible for any charges to this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding an issue with my XXXX XXXX XXXX account. My loan payments are set to be automatically drafted from my checking account every XXXX weeks, and these payments are consistently documented in your app, website, and my checking account records. However, on Monday morning, I was shocked to discover a XXXX late payment reported on my credit report. This error has caused my XXXX XXXX to drop by nearly XXXX points, which is both surprising and unacceptable, especially given that I have never missed a payment. I contacted your customer service team but was unable to receive any assistance in resolving this matter. I request immediate action to correct this mistake and have my XXXX XXXX restored to its previous standing, as this inaccurate reporting is severely affecting my credit. Since my payments have always been timely and automatically drafted as per your account requirements, I expect this issue to be resolved promptly. Please treat this matter with urgency, and I would appreciate a response detailing the steps being taken to rectify this situation.
Product: Student loan

I have been enrolled automated payments for seven-plus years with MyFedLoans. My payment was taken from my account on my due date last month as usual, but was never posted to my account. I have contacted customer service four times - three emails ( XXXX, XXXX, and XX/XX/XXXX ) and one phone call ( XX/XX/XXXX ). The three emails have never received any response other than the automated notice that they were received. The customer service representative I spoken with by phone said he would submit the issue, but that was over a week ago and the notice of delinquent payment still shows up on my account. I am still receiving automated notices about the late payment, including another today ( XXXX ), and my perfect credit report is being threatened with ruination because this company has failed to properly post the money they have already taken from my account. As I mentioned to the customer service representative, I had a loan consolidation completed with them on the same day XXXX payment was taken out of my account. If I had known this would be the result, I would have selected a different service provider. Since customer has never responded I am unsure what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX 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

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I.Q. Data international they have not tried to contact me. I saw this on my credit and it was a for a apartment that my ex girlfriend was staying at. Its from about 2 years ago and the balance is up to XXXX . I would like this not put on my credit.