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

This complaint is directed against three companies listed below, - Stilt ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX ) - XXXX - XXXX Both of my credit reports with XXXX and XXXX currently include a personal loan with XXXX. In both cases, the last update was received in XX/XX/XXXX. The account shows in both cases as paid on time and open. This is incorrect in two ways. Firstly, payments were made on time in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has not reported those payments to any credit bureau as of XX/XX/XXXX. Secondly, on XX/XX/XXXX, XXXX sent me an email detailing that servicing would be transferred to XXXX XXXX on XX/XX/XXXX. This email is attached. 

In XX/XX/XXXX, I began making payments to XXXX XXXX and that company has correctly reported those payments XXXX and XXXX ( not XXXX ). As a result, my XXXX report incorrectly shows me as having an open personal loan with XXXX and an open personal loan with XXXX XXXX. My XXXX report shows me as having an open loan with XXXX. 

In XX/XX/XXXX, I opened disputes with both XXXX and XXXX, detailing the above information. Both companies claimed to have conducted investigations and both found that my dispute was not merited. They both certified that my credit reports are accurate and that XXXX had verified that the information is correct. This is simply not true and contradicts the email that XXXX sent me in XX/XX/XXXX. 

It is the case that either XXXX has not provided a truthful response to XXXX and XXXX and/or that both of these credit bureaus did not conduct a bona fide investigation. In particular, how could either of these two credit bureaus be satisfied that the information is accurate? If indeed my account with XXXX is open and paid on time, how could it concurrently be the case that no payments have been reported since XX/XX/XXXX? This is contradictory and suggests that XXXX and XXXX did not perform a good-faith investigation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the major credit reporting agencies ( XXXX, XXXX, and LexisNexis ) for their failure to remove negative information from my credit report after being notified that my personal information was compromised in a significant data breach. 
Description of the Issue : My personal information was exposed by a malicious actor gaining access to National Public Data systems and releasing data onto the dark web, primarily occurring between XXXX and summer of XXXX resulting in a National Data Breach that affected millions of consumers as well as myself.. 
Ive sent formal written notification to all three credit bureaus informing them of this breach and requesting the removal of negative information potentially resulting from this compromise. 
As of today 's date, the credit bureaus have failed to take appropriate action to remove this information, despite their obligation to ensure accuracy in credit reporting under the Fair Credit Reporting Act ( FCPA ). 
Specific Actions Taken : Sent notification letters via certified mail/return receipt Received confirmation of delivery Followed up with the credit bureaus Reviewed my credit reports and found the disputed information is still present Impact of Their Inaction : negative impacts denied credit with companies I do not do business with Declines in my credit score Charge-offs that Inconsistent reporting statements Reporting Errors across each bureau Requested Resolution : Immediate removal of all negative information potentially connected to the data breach Investigation into why proper action wasn't taken after initial notification Correction of all affected credit reports Compensation for any damages incurred due to their negligence I request that the CFPB investigate this matter and ensure the credit reporting agencies fulfill their obligations under the FCRA. Their failure to act has caused significant harm to my financial standing and creditworthiness. 
Thank you for your attention to this matter. I look forward to hearing back from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX has been invaliding reporting and account to credit bureaus for over 7 years ; this is not my account and does not belong to me for the last 7 years I have been in contact with credit bureaus and company to have this negative item removed overtime we speak they update/ renew collection account to remain on file longer. I have filed ID Theft Affavaidt # : XXXX which has been submitted to local police and credit bureaus. This account and all non account holding inquires need to be deleted from reports.
Product: Debt collection

This is a very old bill from XXXX XXXX and had already been removed from my credit report approximately 2 years ago. The bill apparently was sold to another collection agency who then reported it as a brand new collection, which it is not. I never received notification that they were still trying to collect on such an old bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my letter I stated a company that I had no prior relationship with had accessed my credit file on multiple occasions. Your response was that it was okay since they were not hard inquiries. I would like to stress EQUIFAX RELEASED INFORMATION TWICE TO AN ENTITY I DID NOT HAVE A PRIOR RELATIONSHIP WITH NOR AUTHORIZE THE RELEASE OF INFORMATION TO. I provided exact dates in my letter. 

XXXX
Product: Checking or savings account

I called the XXXX # for Capital One and I spoke with a Representative about opening a Business Checking Account. I was transferred to the local branch in XXXX, Texas and the representative went on to tell me that they were short staff. She told me what was required to apply for the nonprofit business checking account. This conversation lasted roughly 30 minutes. I explained to her that the website she provided to me did not have any appointments available as far out as XX/XX/2025. I even told her that they have appointments in XXXX, XXXX, and XXXX, Texas. She told me to check back daily. I told her that I wanted to close my personal checking account with them. She sarcastically told me that they have the cash on hand whenever I come in and close the account. 

My frustration level was to the roof at this point, I asked her to let me speak to the Branch Manager. Of course she was unavailable. I spoke with someone else and they took my complaint. The Branch Manager, XXXX called me and she reiterated what her staff told me about being short staff. I explained to her that 30 minutes was waisted on me today. She went on to tell me that I would have to check daily. She did not care if I closed my personal account. I will be doing it over the next few weeks. 

I believe that I was treated this way because I was XXXX XXXX. What else could explain why the person did not want to open my nonprofit account. I have my tax exempt status from IRS, my Corporation paperwork from the state, letter indicating from my nonprofit that i am authorized to open the account, my EIN letter. The Customer Rep was just randomly calling out information that she figured I would not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Debt collection

Southwest Recovery Services at XXXX XXXX XXXX, XXXX XXXX XXXX, Tx XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due balance. I do not know owe this company any past due amount of any kind. The company does not have a contract with my signature. I also have email providing proof that account was closed back in XXXX of 2021 and no amount of any kind is owed to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$360.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$82.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I was a victim of Identity theft. I thought this issues was resolve after filing at fraud dept. and spoken to them regarding this matter. Just this week I receive a billing statement from a collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

i co=signed a loan for my XXXX  XXXX years ago! she makes the payments ( XXXX ) a month! in the past year she has money withdrawn from her check weekly, which totals the loan payment. as the money is sent to credit acceptance, they send me notices that she is behind. which is not the case.! i just retired and have been building my credit since i went bankrupt in 2016! XXXX  tanked my credit rating 3 times since XXXXXXXX XXXX XXXX XXXX! my XXXX  makes these payments and WE call to find out what is going on and they assure us all is good, until i get a notice from XXXX XXXX saying mt credit tanked out! i understand if she has not make these payments, but she has! they get there money and i get crewed! if you look at my credit report, i never miss payments. she is trying to build her credit but it seems it is fruitless with XXXX! we are refinancing her car loan now! so what can i do to fix this? Can you help US
Product: Credit card or prepaid card

On XX/XX/XXXX I logged in to AMEXs website to check the status of my XX/XX/XXXX XXXX XXXX complaint which I hadn't heard about in months. AMEX claims they notified me, but they sure did make it hard or impossible to find any information they claimed to have sent me. I saw that they had closed the case in XXXX XXXX 's favor, but I couldn't see any documentation that shows what evidence they provided. So I chatted in to find out what evidence was provided. The rep said they couldnt see any evidence. So this looks like AMEX is purposefully protecting XXXX XXXX. I asked to reopen the case and the rep did. I also told the rep I have image evidence of my claim. I uploaded those images. The rep said he reopened the case and that AMEX would review the images and case within 48 hours. On XX/XX/XXXX when I logged in to AMEX, I saw that the case had been closed again and that the reason was that I couldnt open a new case for the same transaction if it had been closed past 30 days. I only found out that the case was closed 1 day ago because of their poor or nonexistent notification. On XX/XX/XXXX I spoke with a series of reps who admitted the XX/XX/XXXX rep lied, but they couldnt do anything about it. They offered a measly {$10.00} credit after I asked for a full reimbursement of the original {$140.00} charge. Im now stuck with a defective pair of shoes that gives me blisters and Im still out of pocket {$130.00}. 

The original claim was for defective shoes. I can provide CFPB the images if needed. XXXX XXXX has been no help in this process, hence why I reached out to AMEX.
Product: Debt collection

I disputed the unknown account on my XXXX account. I indicated that I had no knowledge of this account. Also I asked if the company has a license and bond to collect a debt in the state of Illinois. 

XXXX completed the investigation in under 15 days and stated that the item was verified and meet FCRA requirements
Product: Credit reporting or other personal consumer reports

I called the company and the agent would not give me any information after I told the agent that the account is in my name but it is not me. I requested to speak to the loan officer who worked up the account and requested the documents that allowed a person to get an account in someone else name. They hung up and never answered. I demanded for the information to be taken off of my credit report because its not mine or I would contact the credit reporting agency. They have not answered since. I havent had a mortgage in over 15 years I own the home I live in so I dont know why I would seek to get another. I am very livid with this company business practice because they cant produce any valid information to me but its suppose to be my account. Thats why I know that this is fraud and a very fraudulent company who have disgusting business practice!
Product: Credit reporting or other personal consumer reports

I want to emphasize that this complaint is valid and not sent in error. My credit report includes false and inaccurate information, leading to undue stress and negatively affecting me and my credit.
Product: Money transfer, virtual currency, or money service

Hello! I'm a XXXX resident. XXXX XXXX I opened a Citibank checking account online. My Grandmother who has a joint money market account with her niece instructed to send an international wire transfer of {$12000.00} to my newly opened Citibank account. When that deposit hit my account on XX/XX/XXXX I tried to XXXX myself {$500.00}. Immediately citibank flagged the transfer and froze both our accounts. Both my aunt, grandma and myself called citibank to confirm the wire transfer was valid but they did not adhere and told there would be an investigation and all monies would we distributed within 60 days. We kept calling all there XXXX numbers/fraud department and got run around every time. I went into a local branch in XXXX on several occasions for help. I dealt with XXXX XXXX XXXX who again who was not much help. In XXXX both our accounts were closed, and a check for the remaining balance that was left in my grandma 's account was sent. My grandma initiated this transfer as I was going to visit her in XXXX in XXXX where she lives 50 % of the time and wanted me to bring the cash for her medical fees & visits as she is XXXX XXXX. After my Grandmother called citibank in XXXX to get clarity on where her money is still no answer and let her know someone would be in touch. We then received a call from XXXX XXXX @ citibank XXXX XXXX in XXXX from the major incident dept. Again he has been little help and recently told us we need to call another XXXX number. It has been almost 7 months that Citibank has held hostage {$12000.00} and we still don't have any answers. My grandmother is old and has health issues and this money that is being held hostage from my grandmother is completely unacceptable.
Product: Credit reporting or other personal consumer reports

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer .I have not been able to get approved for anything, and that really hurts me and my family. You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Product: Debt collection

XXXX XXXX Services XXXX XXXX XXXX Americollect I have end stage XXXX XXXX and I'm XXXX. I will not be able to pay this amount.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Late Payment ( 3 Bureaus ) XXXX  XXXX - Account # : XXXX - Past Due : {$0.00} XXXX XXXX - Account # : XXXX XXXX - Account # : XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.
Product: Credit card

I requested a credit of a {$40.00} late fee. Capital One did grant me that. I have been a good customer. I pay on time. I was late maybe one other time. I was late this time because I am the main income earner in my household. My wife has gotten a job now but she got behind on some of her credit accounts. I was helping her out and just missed paying mine. {$40.00} is like {$400.00} to me especially in this terrible economy we have. {$40.00} is nothing to Capital One. In fact Capital one is not being inclusive of folks like me who are trying to make it day to day. They are penalizing me and discriminating against me. I made a payment after the due date. I have not missed a payment in my time having this account. It is a shame that Capital One in this day in age with the terrible economy and inflation would not be inclusive or understanding of someone who just missed one payment but then the next day or so made a payment. Penalizing me the way they did makes it harder to pay them and they make more money on the interest. It is not an equal scale. I am sure Capital One does the same to XXXX people and XXXX people. They fleece everyone, they shake down everyone. I wish they would just credit me the {$40.00}. That is an extremely high late fee. I can understand charging a late fee if someone doesn't pay, but I paid the next day so i think they should credit late fees back if someone makes a payment.
Product: Debt collection

I am being charged with a debt that I do not owe. The collector is IQ Data Systems. I've written them several times concerning the inaccuracy of this debt that is reported to the credit bureau 's. I was laid off of my job in XX/XX/ 2013 and subsequently fell behind in my rent and was evicted from my home in XXXX 2013. I had already paid the rent in XXXX & XXXX which was XXXX I was behind fell behind in XXXX and XXXX and was evicted the first of XXXX. I put down a security deposit of XXXX dollars which should have covered my missed rent. This collection company is alleging that I owe over {$6000.00} which is inaccurate and extortion in my opinion. I don't owe anything to the rental company. My security deposit covered my back rent. I improved the home as I lived there including restoring the backyard, landscaping and repaired and stained the large all wood deck in the back of this Large colonial home. This company has manufactured this debt, it is inaccurate and unfair.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number ( Private SSN ), Consumer Date of Birth ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( U.S.C. 1681c-2 ) that you, the XXXX 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 auto loans accounts opened at XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ) and XXXX XXXX on XX/XX/XXXX under account number ( XXXX ) and XXXX personal loan accounts at XXXX on XX/XX/XXXX under account number ( XXXX ) and XXXX  XXXX XXXX opened on XX/XX/XXXX under account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries 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 and hard inquiries as reported. The aforementioned accounts, collections and had 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 Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Employers XXXX XXXX XXXX Employers : XXXX Employers : XXXX XXXX Employers : XXXX Employers : XXXX XXXX Collection : XXXX XXXX XXXX {$7900.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

15 USC 1681 states that I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 states a creditor may not treat a payment on a credit card account on an open consumer credit plan as late for any purpose.

For this account, upon creation Automatic Payments were immediately established and set to pay off the entire statement balance at the end of each month. Essentially, late payments were intentionally rendered impossible by me on this account. 

I was never later on the paid off account listed above. Please provide documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit reports. 

This is an invalid late payment. 

The FCRA allows 30 days for this to be rectified.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act ( XXXX Bankruptcy XXXX Reference # XXXX ) has violated my rights. 
15 USC 1681 Section 602 A 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 a account without my written instructions.