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

Citibank closed two deposit accounts I had totaling {$15000.00} on XX/XX/2021. As of XX/XX/XXXX, I have not received those funds. Citibank has told me that on two occasions, they have mailed closing balance checks and have verified my address as the correct one. I have made a dozen calls to Citibank banking division with no resolution.
Product: Consumer Loan

Hello, I leased a vehicle through Honda Financial ( dba Acura Financial ) in XX/XX/XXXX. I paid that loan off in XX/XX/XXXX and the installment account was reported as closed and " pays as agreed '' on my Credit Report. In XX/XX/XXXX, I was contacted by Acura Financial about " toll fees '' that I accrued in XX/XX/XXXX and XX/XX/XXXX unbeknownst to me. At this point in time, the lease account had already been closed and paid for ... well over a year. I told them I would pay the fees and made a single payment over the phone. I admit that I forgot to pay them after that as I did not have an active loan or credit account with them. I also did not receive any correspondence about the rest of the toll fees. On XX/XX/XXXX, I was alerted to a credit alert on my report. I noticed that my old lease account, which was closed and was once " pays as greed '' had changed to " pays XXXX days ''. As a result, my credit score dropped XXXX points. I think this is highly deceptive to anyone looking at my credit. This change implies that I did not pay my lease agreement on time which is untrue. I was NEVER late paying my lease or any of my cars. I had NO idea about these fees until over a year later. If I accrued these tickets in XX/XX/XXXX and XX/XX/XXXX..why was n't this added to my loan? Why was I able to pay my lease off with unpaid tickets? Why a year later? I admit that I forgot to pay the fees after being contacted in XX/XX/XXXX, but it seems they also forgot to add these " unpaid tickets '' to my loan while it was still active. I also do n't see how it 's legal to " update '' a closed account with false information. 

I purchased another Acura at a dealership and we had to payoff the account before I could obtain possession of the new car. I have proof that these tickets were added to my closed account over a year after the payoff was sent. 

I 've been very loyal to Acura and Honda up until this year, all I have purchased is Honda and Acura cars ... .but it seems they do not share the same loyalty.
Product: Mortgage

I applied for a modification review with Chase on XX/XX/2015. On XX/XX/2015 my attorneys office spoke with the lender and they stated that the underwriters were requiring clarification on XXXX XXXX XXXX XXXX personal loan showing up on my credit report and paychecks. The attorneys office provided the clarification and the Chase representative stated that the file was being sent back to the underwriter. On XX/XX/2015 my attorneys office called the lender again and spoke with a XXXX XXXX, who provided the status update that the documents were still with the underwriter pending a decision. On XX/XX/2015 my attorneys office called the lender again and was given the status update that the file was actually DENIED and kicked out of review on XX/XX/2015! The office provided Chase with the information that we were given false information for the last XXXX calls to Chase and an escalations representative came on the line and stated she would ATTEMPT to send it back to underwriting but because its been so long she is unsure if it will work. Please help! We have been lied to for the last 2 months! How are we able to complete a review if they are giving false information!
Product: Debt collection

I bought my lease out at the end of the 3 year term in XX/XX/XXXX. I maintained perfect payment history the entire term of lease. I purchased the car from Volkswagen Credit through my credit union. Everything was done over phone and email between me and VW Credit. At the time of purchase, VW credit charged me the cost of the vehicle only. The total cost did not include state tax & title transfer fee. I was told that I needed to handle that on my own. I took care of the state tax, plates, title transfer through my Secretary of State DMV. Last XX/XX/XXXX, I received an invoice from VW credit stating that I owed Lease turn in fees. {$1000.00} charge. How is that possible when I purchased the vehicle? When I spoke with a rep from VW credit, he told me the charge was for state taxes plus late fees. I paid the taxes to the people that were owed - the state of Illinois. The rep asked me to upload proof of payment to their website. I do so. He called me back the next day asking my to create and sign a document granting permission for the money I paid to the state of IL be transferred to VW credit. He told me that the state charged them for my taxes and they paid it. I asked him to send me the document from the state of IL saying this was owed. He said he could not do that. I asked for anything he could send. He said he would email me documentation from VW. He did not. I never heard anything about it until XX/XX/XXXX when a collection agency called me. They said I owe VW Credit {$1000.00}. I do not owe one dime  to anyone.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX. 

Account name : XXXX XXXX XXXX. Account # : XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

In XXXX, my card was suddenly not working. The company said that It was lost or stolen. Which I never reported. I have requested a new card 3 times and never received. Received an annual fee and inquired. The account was closed without my confirmation and they want a annual fee.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXX XXXX  XXXX - XXXX - Your agency is in violation! 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 an 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. Delete this at once! 

XXXX XXXX  - XXXX - Your agency is in violation! 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 an 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. Delete this at once! 

XXXX XXXX XXXX - XX/XX/2023 - I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities.
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  Account NumberXXXX has violated my rights. Or a 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 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

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately.
Product: Money transfer, virtual currency, or money service

I sent a check via Chime app with Chime Bank on XX/XX/24 for {$2200.00} to XXXX XXXX XXXX. The money was immediately taken out of my account the same day & it showed that it should be delivered to the company on approximately XXXX/XXXX/24. XXXX XXXX has been saying that they did not receive the check and they need proof that it was sent and cashed. Chime said they could provide something showing the money was taken out of my account, however, I explained that this was not sufficient as I also need a statement showing that the check was cashed/cleared showing the date as well. The app has a check history link that I can click on that saying cashed, however there is no date or other information. XXXX XXXX is stating that they need this showing a date so that they can look for the check with their accounting dept. Chime said they can provide no such statement. I have talked to XXXX people at chime, gotten disconnected on, sent to multiple XXXX, all who told me that they can not help me with this. They said there is no XXXX or higher up that I can speak with. Now i get daily calls from the company saying that I owe them this money. I've tried to explain to them that it was debited from my acct, but that Chime can't provide a statement with a date, etc.
Product: Credit reporting

I signed up to get all XXXX free credit reports on http : //freecreditreport.com/ on XXXX/XXXX/2016. I also disputed information to all XXXX credit reporting agencies and those things were taken care off. XXXX of those steps required an Experian, XXXX and XXXX logins to be created. I noticed that they charged me {$21.00} on XXXX/XXXX/2016. I logged in into Experian.com to see the situation. Their opinion is that I signed up for Experian Credit Tracker. I cancelled it right away on XXXX/XXXX/2016. I never signed up for that service. I already have the same Experian Credit Tracker through Experian ProtectMyID. I talked to Experian customer service ( XXXX, id # XXXX ) on XXXX/XXXX/2016. They said that they would not refund {$21.00} money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Product: Debt collection

Started getting phone calls and caller would not identify them self unless i would give them my personal information so they would hang up, finally got them too tell me the company name ( Convergent Outsourcing Inc ) and who they where and also got too tell them it was regarding a XXXX XXXX account that was discharged in a Bankruptcy back in 2015. The calls have become a daily call and very aggressive and they just hang up because i refuse too provide them with my personal information.
Product: Debt collection

Upon recently checking my credit reports I noticed a medical collection by  RevSolve  for the amount of {$650.00}. I immediately contacted original creditor and was informed that the original debt in question was for treatment for my daughter however her insurance covered the debt. I then disputed with credit bureau to have Revsolve remove the debt, however,  Revsolve  allegedly " verified '' the debt. I then called   XXXX  Hospital  in regards to the collection activities and was notified that the debt has been paid and request has been submitted to Revsolve for removal of the account. I then filed a complaint with the    Better Business Bureau  as the company has not removed the collection. Revsolve rep responded with a request for an indefinite  HIPAA  disclosure  ( Release of Information ) to  be signed by me. I refused the request stating that I would not authorize the disclosure of information I never authorized them to possess in the first place. They did n't request my authorization when they reported to the credit bureaus either. However,  Revsolve  has not responded and the account is still on my credit report as of today.
Product: Mortgage

I applied for an FHA loan with Fifth Third bank the bank indicated I was the denied due to an error with the appraisal value which not accurate. FHA guidelines you must submit the lower appraisal on a flip property if the value amount come back 5 % higher or lower. My appraisal amount was {$79000.00} and {$79000.00} which either appraisal wouldnt made a difference to be FHA insured. The program I went through was the Key to Own homeownership to get the mortgage loan you must be FHA insured to close on the loan the bank knew before closing I wasnt FHA insured. Fifth third bank are responsible for lender Liability mortgage fraud with their practices of predatory lending. Im asking the bank to free and clear the remaining loan amount or Ill take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 I been trying to make correction in my credit report, the furnisher verified the disputed information as accurate and the credit reporting agency completed 3 investigations and has failed to make delete make corrections despite the fact that the information disputed can not be verified by the furnisher. Credit Agency deleted as they fit in order to complete investigations. Furthermore according to California Consumer 's Law, I am still waiting for credit agency to provide precisely the way the investigation was completed. As of this date, continues to report trade line incomplete and with errors. 
The furnisher, refuses to comply and has failed to comply with my request to produce documents requested for the disputed information. 
Attachment below shows a last attempt to fix the issue spent over an hour getting nowhere due to the unqualified employees, limit access or unable to escalate calls since they are all working from home or in XXXX. Lastly, the representative made me, in order to be able to assist me to provide the full social security number, despite the fact that I provided a full account #. 
Furnisher advised, " we do not have the records '', Transition verified that Xs were placed in the trade line because the furnisher did not know the information.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX called and identified themselves as collecting for XXXX XXXX  on behalf of XXXX. They said I owed {$500.00} for a credit card from XXXX. I paid it It using my XXXX XXXX  card and the transaction is recorded on my statement dated XX/XX/2019. They hang up on me when I call to follow-up and XXXX XXXX  said they have no record of the payment. This is bank fraud amongst other illegal activities. This is showing up on all three of my credit reports and preventing me from future credit related endeavors.
Product: Credit reporting, credit repair services, or other personal consumer reports

these credit reporting agencies are BREAKING THE LAW and my privacy rights. 

Every time I put in a complaint they are replying with generic computer-based responses that gets closed out and never addressing the situation. they have repeatedly ignored my concerns and broken the law on several occasions and I am tired of it. 

I have lost my confident in the banking system and these elaborate mechanisms to do anymore business with them and I am no longer extending my credit. 

Pursuant to the 15 U.S Code 1681 ( a ) ( 1 ) the banking system is dependent on fair and accurate reporting and I have been treated unfair 15 U.S Code 1681 ( a ) ( 4 ) says it is their GRAVE responsibility to respect I, the consumer, rights to privacy and they are disrespecting my demands to protect my right to privacy. I have contacted Experian, XXXX, and XXXX multiple of times to delete accounts due to my privacy rights and I no longer want some accounts furnished on my credit report anymore which is my federal right to do so. 

I demand that they respect my right to privacy and delete the following accounts listed below XXXX XXXX XXXX XXXX XXXX delete all late payments from XXXX XXXX USA and comments
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX Account # XXXX. DISCOVER BANK Secured Credit Card Charge-Off, 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported by Early Warning Systems in my consumer file. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate information and have the right to be notified when such information is being furnished or used. 

**Details of the Dispute : ** - **Account Number/Reference : ** XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXAccount Number/Reference : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXXAccount Number/Reference XXXX XXXX XXXX XXXX XXXX - XXXXAccount Number/Reference : **. XXXX XXXXXXXX XXXX XXXX  Upon reviewing my consumer report, I found that the above-mentioned information is incorrect. The details provided are either outdated, incorrect, or completely irrelevant to my financial history. Furthermore, I was not given any prior notice or opportunity to dispute this information before it was furnished or used, which constitutes a violation of the FCRA. 

**Violations of the FCRA : ** 1. **Failure to Provide Notice of Furnishing Negative Information : ** According to 15 U.S.C. 1681s-2 ( a ) ( 7 ), a furnisher of information must notify the consumer of any negative information that is being reported to a consumer reporting agency within 30 days. I did not receive any such notification regarding the information in dispute. 

2. **Failure to Conduct a Reasonable Reinvestigation : ** Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute from a consumer, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that no such reasonable reinvestigation was conducted concerning my dispute.

3. **Reporting Inaccurate Information : ** The FCRA, 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( B ), mandates that furnishers of information must not provide any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The information being reported in my file is demonstrably inaccurate. 

4. **Failure to Disclose Information : ** According to 15 U.S.C. 1681g ( a ), I have the right to be informed of all information being reported about me. The failure to provide complete and accurate disclosure of the information constitutes a violation of this section.
Product: Credit reporting or other personal consumer reports

Hello, by mistake some dealerships used my details to get a loan without my consent and I received unfair credit inquiries.