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

Experian is not correctly reporting my score right they don't even show me the score I was approved and got credit they lowered my score and I have on time payments and I pay extra all the time which is more than good and they keep on lowing my score and how I know this I have a nother service that tells me my score and I have other credit lines everyone of my accounts payed early.experian is ruining my credit and life please help
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

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.

( 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.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX, I sent this company a dispute letter disputing several items that have been reported incorrectly and notified them what these issues are. To my dismay, upon downloading my credit report today, XX/XX/XXXX, my credit report still shows incorrect information and several missing information. From remarks/comment saying that the account was disputed to inaccurate and incomplete payment history. They are incorrect information as well such as the account opened date and Highest balance. Attached to this complaint is a copy of the letter I sent this company dated XX/XX/XXXX
Product: Payday loan

I received an email from a law firm yesterday XXXX stating that I have an outstanding balance with ACE Cash Express for {$850.00} which is the settlement amount. It notes that I am being sued by the court. I called Ace Cash Express and I am not in their system at all and this is probably a SCAM. 
The law firm is located in XXXX and the Sr. Officer 's name is XXXX XXXX. In the email which I will attach as a document, says that I am to only respond by email and the call back number for XXXX XXXX is XXXX. 
I have contacted the law firm in XXXX regarding this matter but no response yet. 
This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has taken these actions on my credit report after I filed for a complaint. They reported late payment on the disputed Charged off Closed account as vindictive act without responding as I have filed a complaint with FCRA and provided a copy of all mistakes they have reported on my credit report and according to the rules and laws their reporting has to be 100 % accurate the dates are not accurate the type of loan reported not accurate the The balance and the amounts are not accurate as they received from the Gap insurance their money and reported XXXX balance to XXXX took tax credit by their reporting fraudulently without claiming the money they received to continue receive Tax credit with Charged off now you want to claim late payment on Closed account? REALLY? I will sue you all for slandering my credit You are to remove and delete your slander immediately. 
There is a complaint filed with the XXXX  and this account has been disputed You reported that I have never disputed your fraude and your bullying is only good for a good court case! and this should go public so everyone else who you are bullying should know about your corruption! 
I have attached their late payment XXXX late payment on closed account that is false!!!! they you go another false statement. 100 % accuracy which you failed cause a liar can't tell truth! 

See attached evidence for false reporting which is grounds to for immediate deletion
Product: Credit reporting, credit repair services, or other personal consumer reports

you are the victim of identity theft and place a fraud alert in your file ; your file contains inaccurate information as a result of fraud ; you are on public assistanceXX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX XX/XX/2020 SC XXXX XXXX XXXX SC XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/2020 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX, RI XXXX
Product: Credit card

Before applying for a card I called to see if I would have instant access once approved. I needed an XXXX XXXX XXXX. I was told YES that I would have instant access via digital wallet with XXXX XXXX, XXXXXXXX XXXX, and she listed 3 more. 
I was approved immediately and no access. After speaking to 4 representatives I was told some people get an email directing them to digital wallet instant access. I asked why not me? No answer. I believe it is all lies to get customers. One representative told me I would have access in 48 hours. Another told me I would have to wait 7 days for the card. Another told me someone would get back to me within 2 days. I believe the representatives are told to lie about instant access to get customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report reflects a late payment XX/XX/XXXX  for XXXX XXXX. Which I was not aware of this payment being past 30 days late. I wasn't notified about the payment being so late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$6300.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX  XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am seeking assistance Im removal inaccurate information listed on each credit agency This may be result of theft that include to my wallet that was stolen around XXXX XX/XX/2021. These debtor accounts are new I have never done any business with this company nor do I have any debtors of these creditor or address listed on Transunion, XXXX and XXXX credit agencies reporting new accounts open in 2021 .Creditors XXXX XXXX XXXXXXXX credit card and other personal loan is fraudulent accounts XXXX XXXX XXXX also multiple named XXXX, XXXX and XXXX XXXX Fraudulent addresses XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX MD XXXX -All fraudulent personal information added to my credit reports. Any or all data input regarding this address is not valid and without my knowledge or consent. Thank you
Product: Checking or savings account

On XX/XX/XXXX I filed a fraud dispute with Bank Of America regarding the following 3 Debit transactions : MERCHANT NAME XXXX XXXX XXXX XXXX XXXX NY XXXX RECURRING TRANSACTION AMOUNT {$130.00} DISPUTE AMOUNT {$130.00} MERCHANT NAME XXXX XXXX AFFIRM.COM PAYMENTS AFFIRM.COM CA XXXX TRANSACTION AMOUNT {$130.00} DISPUTE AMOUNT {$130.00} MERCHANT NAME PURCHASE XXXX XXXX XXXX CA XXXX RECURRING TRANSACTION AMOUNT {$170.00} DISPUTE AMOUNT {$170.00} XXXX received a credit the following day. They also stated that they would cancel my card and issue me a new one. They also warned me that while they are putting in place a block of the Merchant they can still sometimes find ways to get a transaction through the block. 

On XX/XX/XXXX, just over 1 month later I discovered many fraudulent transactions and submitted another claim : Account ending - XXXX Claim ID : XXXX There are too many transactions to list out. 

14 days later I received a message stating that my claim has been denied because the card was used properly or was used by an authorized person. 

Both of those statements are patently false. 
XXXX example to show there was literally no investigation done whatsoever, is the transaction to XXXX XXXX that was listed in the first claim and approved as unauthorized, did in fact exactly what the original employee that took the first claim stated they might do. 

8 days and 17 days after my first claim, that same company XXXX, XXXX new names of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX charged nearly XXXX to my new card once again. And this was just one of the merchants that charged my accounts in the second claim. The second claim was for a total of nearly {$1500.00}.

How is the company able to charge me again, and BOFA state that i authorized this transaction the second time, but I didnt the first time, and the fact that they clearly changed their name just enough to overcome the block of that merchant.

I have made multiple calls. on 2 occasions the representatives disconnected the calls in the middle of the conversation as if the calls failed. i have called and been on hold for over XXXX hours of time total. I can show you the call logs if needed. I have been transferred from customer service, to fraudulent claims, to Fraudulent claims status updates and then finally onto Existing Fraudulent claims for Debit Card Transactions. 

Each of these departments claimed they had no idea how this happened or how to fix it. They all have different closing times as well. I believe intentionally, the bank does this to prevent having to comply with their stated claim that customers will not have to pay for unauthorized transactions. 

A claim that many customers use as the best reason for choosing Bank of America. 

I have been a customer of Bank of America for more than XXXX  years. I haven rarely had to file a claim, but in the worst time of fraud against me, BOFA made efforts to avoid backing up their offer of security for their customers.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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 TransUnion 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 Collection Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX Federal Trade Commission that all of the aforementioned accounts collections, and haro inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on XXXX XXXX orders from XX/XX/XXXX to XX/XX/XXXX. I was on military forbearance with the XXXX of Minnesota from XX/XX/XXXX to XX/XX/XXXX. I was taken off forbearance and was told that my military orders were not valid and I no longer qualify for military forbearance. I tried to get this taken care of for years, but eventually, they stopped answering my emails and phone calls. From XX/XX/XXXX, I was considered a XXXX veteran and had gotten this debt deleted ( not on credit bureaus but with the government ). Also, I want to note I was a full-time student from XX/XX/XXXX to XX/XX/XXXX This account went delinquent XX/XX/XXXX and finally counted as paid off in XX/XX/XXXX ( 10 months after I was a XXXX  and XXXX-XXXX  XXXX, which is still reflected in my report ). 

The XXXX of Minnesota has been a nightmare to work with while in the military. They need a military-friendly finance center. When it came time to have my loans deleted with XXXX, it took months to get ahold of someone so that I could pay them! 

I called the U of M with this issue and surprisingly got a call back from my student account advisor and was told that she could do nothing to rectify this and that I must dispute. I disputed multiple times with all three bureaus and have gotten no real investigation. I have similar student loans with XXXX, and the late payments were deleted from all reports. The XXXX of Minnesota has to answer for their negligence and delete the late payments from my account.
Product: Debt collection

XXXX XXXX Date : XX/XX/year>2025 Credit collection Services Re : Request for Removal of Collection Account XXXX Dear Sir/Madam, I am writing to formally request the removal of the collection account associated with my name from my credit report. The account in question appears to be reported by. 

In accordance with the Fair Debt Collection Practices Act ( FRCA ) and the Fair Credit Reporting Act ( 605B ), I request that you provide verification of the debt, including the original creditors name, the amount owed, and any supporting documentation that validates your claim. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a voluntarily dismissed bankruptcy that I have repeatedly disputed with all 3 credit bureaus. The bankruptcy was filed in error and immediately and voluntarily dismissed. The bureaus have stated that Nexis Lexis is the provider of this information. I have disputed this information with Nexis Lexis but the inaccurate bankruptcy is still present. I have listed the inaccuracies below. 

1. All 3 credit bureaus are displaying different case numbers.

2. All 3 credit bureaus are displaying the incorrect case numbers.

3. This has caused me to be declined for multiple credit applications with the most common reason given being '' multiple bankruptcies ''.

4. Two of the bureaus are reflecting a payment date which contradicts my explanation that the bankruptcy was filed in error and immediately dismissed without any payments or hearings. No payment was ever made and no hearings were attended. 

It is my right to request inaccurate information be deleted from my account. These inaccuracies have harmed me and are a blatant violation of the Fair Credit Reporting Act. I have attached my pacer report and the public records pages from the 3 bureaus.
Product: Bank account or service

I have been mislead by Citibank and spent $ XXXX/months thanks to the promise of a sign-up bonus that they are eventually denying to me. 

I have opened a high fee checking account ( CitiGold ) on XXXX XXXX XXXX with Citibank under the promotion code XXXX, which entitles to receive XXXX TY points after meeting the eligibility requirements ( " Within 60 days after account opening, one qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. " ). I applied on the dedicated Citibank website ( XXXX ) with the promo code and fulfilled these requirements in due time. As the points were not showing on my account, I contacted a citibank customer service representative, who checked my account and confirmed that I met the requirements and the points would be awarded to me at most 90 days later. 

After receiving that confirmation, I did not worry about it and happily continued spending the monthly fee of {$30.00}. In XXXX XXXX, 6 months after opening the account and still not seeing the points, I contacted citibank one more time. Now Citibank is telling me that I was never eligible for the promotion. Moreover, Citibank is ignoring the fact that one of their representatives told me I was eligible, that I had met the requirements and that the bonus was coming. 

Citibank lured me into signing up for a CitiGold account with an attractive sign-up bonus, charged me a high monthly fee, without delivering the promised reward. After numerous message exchanges ( I sent 5 compensation requests so far ), it is now clear that Citibank will not resolve the issue without external support. Therefore I am filing this complaint with CFPB.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I requested to join XXXX XXXX XXXX on their website on XX/XX/XXXX, and they sent me XXXX cards for my devices. I did not receive the XXXX cards and requested via online chat for XXXX XXXX to cancel my order and close the account on XX/XX/XXXX. I received email confirmation that my request to cancel was initiated. I decided to try in-store to create my account with XXXX XXXX instead XXXX I went to the store on XX/XX/XXXX and was told that there was still an active account preventing me from opening a new account and was told to try over the phone with XXXX XXXX customer service. On the phone with customer service, I was told until the first account is completely purged from their system, I could not open a new account. My case was forwarded to a supervisor, I was told. I called back a few days later as instructed and was able to open my new account with XXXX XXXX ( which I currently maintain and pay the bill monthly on time ). I was told that whatever account was active before is no longer open and was resolved. In XX/XX/XXXX I received a letter of collection from XXXX, XXXX XXXX ' collection agency. I called XXXX on XX/XX/XXXX and explained the situation. I was told that the issue would be forwarded for review and instructed to call back. XXXX 's hours are during my work hours, and it is not easy for me to call each day. XXXX never made any attempt to contact me of their findings or any further action of debt collection. On XX/XX/XXXX I received a notification of change to my credit report for a negative report made on behalf of XXXX XXXX. I contacted XXXX on XX/XX/XXXX where I was told that their review determined that the debt was valid?! And that because I did not follow up with them after the initial call, they forwarded my debt to IC Systems?! This business practice is very unprofessional. I do not owe anything as I cancelled the XXXX XXXX account within 6 days of requesting it, without any services rendered. I have recently contacted IC Systems and filed a dispute with them on their website, however, they have not allowed for me to upload my proof of documentation. This is a farce, and XXXX XXXX is ruining my credit for an error on their end.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes with Experian. I am the victim of XXXX XXXX. I have a victim determination letter. They said I needed one dated within 30 days. The Organization XXXX XXXX says that they are lying and that is not true. I applied for an apartment through a tenant screening company called XXXX. I have given XXXX all my documents. They submitted my dispute to Experian. Experian has emailed me with something that I cant view or download. Im unable to get a person on the phone. My account with Experian is blocked so I can file a dispute only by contacting them. XXXX  XXXX has put in a referral to pro bono law firms to take care of my Experian problem. XXXX has looked at my victim determination letter and said it is valid and legal.
Product: Credit reporting or other personal consumer reports

The following creditors I have no knowledge of giving authorization to check credit and request proof of, such as signed agreement which will resolve issue. 
I have inquiries : Capital one car dealer which I have never been. 3 times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in XXXX Also consumer XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX Capital One XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX In addition to the negative reports by XXXX, XXXX, and XXXX