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

I am authorizing this complaint on my behalf. I submitted FTC report on XX/XX/XXXX and XX/XX/XXXX for the false claims the credit bureau is reporting. 
I can't believe you guys are taking advantage of me. I AM VERY UPSET with XXXX they credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX Account XXXX XXXXXXXX
Product: Credit card

I was a victim of online fraud on my last credit card twice that I know have closed. 
My concern is hacking, and inquires from what Capital one has told me on the capital one app from the DARK WEB. I have 2 credit cards with Capital one they stated my identity has been used with my security card. Please inform what to do next? XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I noticed that there was one late payment on my account with XXXX XXXX  that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of this late payment being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has an inaccuracy that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX  for the month of XX/XX/year>XXXX  be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Checking or savings account

I opened a savings account with CitiBank NA in response to a promotional mailer received in XXXX of XXXX. I was unable to fund the account within 20 days as required per the promotional offer conditions as due to a technical error ( error XXXX ) I was unable to view the terms and conditions associated with the account. 

On XX/XX/XXXX Citi informed me that inspite of the technical error that they will not provide the promotional balance. As a result, this account no longer meets my needs so I sought to close the account on XX/XX/XXXX. Prior to closing the account I went to transfer funds to my verified external checking account ; however, Citi has restricted my ability to transfer funds to external accounts. This is inspite of the fact that Citi is able to accept additional fund deposits from this account. 

Given this issue, I called Citi Phone banking at XXXX and after waiting on hold for approximately 15 minutes spoke to a personal banker, XXXX, who was unable to help me but transferred me to online banking support. After waiting on hold again, I received a message that the online baking support department is closed. 

I then called Citi Phone banking again at XXXX and after waiting on hold for approximately 20 minutes I spoke to XXXX. I informed XXXX that I wanted to close my account and when asked for the reason why shared that I have had poor experiences with customer service and technical support. XXXX then asked for my credit card number at which point I clarified that I am not attempting to close a credit care account but rather a savings account. XXXX then informed me that he only supports credit cards accounts but was happy to transfer me to another department.

I declined to accept the transfer as after spending over 40 minutes on this issue no longer had time to work on it.

I need to understand 1 ) how to transfer funds to my external checking account as quickly as possible and 2 ) how to actually close this account. Note that when logging into Citi online the only contact options presented are to correspond via mail or phone ( there is no option for live chat or a secure message ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX XXXX ( XXXX ) Names : XXXX XXXX ( Experian ) Names : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( XXXX ) The following accounts are reporting inaccurate credit status : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$0.00} ; I was never late ; ( XXXX, Experian, XXXX  ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX, XXXX  & Experian ) The following accounts is reporting as a result of Identity Theft or Fraud : UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$160.00} ( XXXX  XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX  ) UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$220.00} ( XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the XXXX liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX  COLLECTION XXXX XXXX XXXX XXXX & XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had a computer breach in their system that violated the rights of consumers under Section 6.11. Through this computer glitch/breach, my credit inquiries were deleted and reinserted. This glitch affected my credit score by removing inquiries which increased my credit score. Soon after, all of the inquires were reinserted to my credit report without prior notification ( written ) in violation of the Fair Reporting Credit Act ( Section 6.11 ) which caused my credit score to drop.I spoke with a Transunion  representative on XX/XX/XXXX to discuss this matter and my knowledge of the reinseration of inquiries on my credit report without notification. She asked for the dates of the inquires and acknowledged that the glitch did occur but that only XXXX XXXX consumers were affected. I was told that my inquires did not fall in the 2 year reporting limitation. They refused to fix their error on my credit report and advised that I get proof from creditors to delete this information. I am requesting that the reinserted inquiries be permanently removed from my credit report. I request that the following inquiries be removed immediately 1.XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XXXX  on XX/XX/XXXX 3. XXXX XXXX MO on XX/XX/XXXX, XX/XX/XXXX 4. XXXX on XX/XX/XXXX, XX/XX/XXXX 5.XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$8000.00} XXXX  XXXX Balance Owed : {$9700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX  XXXX Balance Owed : {$9700.00} XXXX XXXXXXXX Owed : {$8100.00}
Product: Checking or savings account

Individual opened an account online in my name.At Citizen bank on XXXX XXXX XXXX. Initial depost of XXXX, I was not notified of this account until XX/XX/ due to the fact that it had become overdrawn
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been the victim of identity theft, which has resulted in fraudulent accounts being opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that all the accounts and inquiries listed below be blocked from my credit report and deleted entirely. 
The fraudulent accounts are as follows : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # Bankruptcy XXXX Bankruptcy XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

In XX/XX/XXXX I sent a letter to XXXX XXXX requesting that they Validate NOT verify a debt that they are attempting to collect from me. Not because I was notified of any debt but because I saw it on my credit report however, I never received a response. As a result, I disputed the account with all three credit bureaus several times might I add, and each time I received a response of account verified as accurate and/or " meets requirement of the fair credit reporting act '' with no supporting documents. This was found not to be true when I finally received a letter from XXXX XXXX with a billing statement attached in XX/XX/XXXX stating debt is valid, attached is verification of the debt ''. A billing statement does not prove that this is my account/debt nor I am obligated to pay them. In addition to that I walked inside of a XXXX store and asked would they be able to provide me with a signed copy of an original contract and was told no they could not. I would have to contact the creditor on my credit report and they could not provide me with any proof that no such account did or did not exist or of my inquiry. XXXX XXXX is reporting delinquent information to the credit bureaus that I am asking to be deleted.
Product: Credit card

I recently applied for a JetBlue credit card. I was denied due to a bankruptcy charge off that occurred over 20 Years ago with Barclays Bank. Since that time Ive had over two years of on-time payments to all my credit cards that I currently have in my possession. I feel that Barclays is discriminating against me because of a past transaction thats well over 25 years ago. Theres no information on my credit report that shows any of this and I think its unfair and Im being singled out. Im looking for some assistance.
Product: Credit reporting or other personal consumer reports

The company has reported a charge off on my credit report and according to congress 15 usc 1681
Product: Credit reporting or other personal consumer reports

I was taken advantage of by the car dealership. Im a XXXX XXXX, first time buyer my credit score was low 700s. I had a approval already from my person bank that allowed me no money down, reasonable car note, and interest rate however the employees at the dealerships did not like that and was insisting I put money down my credit was checked over 100 times without my permission which eventually hurt my credit in the long run. I knew nothing about these inquiries and its unfortunate because I cant apply for Wi-Fi let alone credit cards in my name. I plan on moving to a brand new complex soon once my lease is up and purchasing a new car for myself but my credit is horrible and hindering me from accomplishing big milestones in my life.
Product: Credit reporting or other personal consumer reports

I have discovered inaccurate information on my credit report. I am informing your company of the error in my credit report and request to delete the error immediately.
Product: Credit card or prepaid card

A XXXX XXXX  credit card and a XXXX credit card was opened in my name. Additionally my name was changed on my credit report. XXXX XXXX  has contacted XXXX XXXXXXXX and XXXX to report fraud. My name has been corrected with XXXX. 

The XXXX XXXXXXXX credit card was opened on XX/XX/. The XXXX credit card was opened on XX/XX/XXXX 

As of XX/XX/ my credit score was XXXX. 
Currently with the credit checks and these 2 credit card added which I did not open or apply for, my credit score has dropped to XXXXXXXX XXXX XXXX is currently in process to resolve and restore this issue,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX XXXX,
Product: Checking or savings account

Can't open a new account under cashapp when id verification say to contact cashapp for support
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate.
Product: Credit reporting or other personal consumer reports

I am writing this letter to bring a serious issue to your attention regarding the non-reporting of my paid-off loan by the credit bureaus. 

I had a loan from XXXX, which I have completely paid off as of XX/XX/24 in the amount of {$48000.00}. However, despite making several requests, my credit report does not reflect this crucial information. This non-reporting is adversely affecting my credit score and thereby my capacity to secure future credit. 

Under the United States Code Title 15, Section 1681s-2 ( a ) ( 5 ) ( A ), it is stated that a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days ( certified mail tracking number in attachment ) after furnishing the information, notify the agency of the date of delinquency on the account. This implies that it is the duty of the XXXX to inform the credit bureaus about the status of my loan and it is the responsibility of the credit bureaus to update this information promptly and accurately. 

Unfortunately, this has not been the case with my situation. Despite having fulfilled all my financial obligations, the credit bureaus have failed to accurately report this, thus infringing upon my consumer rights as per the Fair Credit Reporting Act ( FCRA ). 

I kindly request the CFPB to intervene in this matter and ensure that the credit bureaus rectify this error promptly. I am attaching copies of the loan settlement documents as evidence of my claim. 

I trust that you will address this issue expeditiously and ensure my rights as a consumer are upheld.
Product: Credit card or prepaid card

I received a {$100.00} prepaid vanilla gift card as a birthday present. On trying to use the funds it was rejected multiple times. I called the help line and was advised to provide proof of purchase and some identifying information. I submitted all information that was asked. Over the last couple of months I have gone back and forth with Incomm about this and they have ( so far XXXX refused to honor or credit the card.
Product: Mortgage

On XX/XX/21 I received a conditional approval for my refinance. I provided all requested information on my part timely. I signed a waiver that an appraisal was not needed and then 4 months into the process I was told one was needed. 4 1-2 months into the process my credit report had to be run again since the mortgage company took so long. Mortgage company then said they needed additional information from my husbands employer this was provided timely and then three weeks later after being told via email it was ent to underwriting it was not. Now I am being asked for a certificate of engineering which as far as I k is I do not have. I have spent countless hours in the phone and via emails with Newrez without response from anyone for weeks at a time. I have asked supervisors to call me and they do not. It has been 6 months and my refinance is not closed. This is my current mortgage company I am trying to refinance with. I have excellent credit and have always paid my mortgage on time. If requested I will provide the 80+ emails I have sent and received from Newrez
Product: Credit card or prepaid card

I had been XXXX from XXXX of 2020 to XXXX of 2020 and in that time someone had gained access to my unemployment account and stolen all of my money. I reported this to bank of America and unemployment and the bank had credited my account some of the stolen funds but after trying to withdraw money a few times they would freeze my account and it would be near impossible to have them unfreeze it and this went on for over a year until I just gave up. My account would get opened and funds would be taken multiple times that weren't by myself and no matter how many times I tried to get it fixed the bank would just keep telling me I had to take it up with my sponsor. I just want the money that I was owed and I feel I have all the right in the world to get that. It's been such an insane circus show between bank of America and California edd and I just want what is owed to me.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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 XXXX
Product: Debt collection

ClearSpring Loan Services is reporting I owe a debt of {$950.00} on my credit report. This debt was recently taken off of my husband 's report, but not mine. Thus, I am writing to get it removed from my credit report. The company stated this debt was a result of a foreclosure in XXXX Virginia. However, my research unveiled by calling the county clerk 's office of where the property was located ; they stated the bank bought back the property for what was owed on the mortgage, thus resulting in no debt. I reach out to the debt collector many times to give me more information about the debt they claim to have. They agreed they would provide me a breakout of the debt on numerous occasions, but they never did. Each time, I kept getting letter after letter, with no breakouts. They kept making empty promises, and they continued to harass my husband saying that we owe this debt. We received a notice from them stating this : " As required by Section XXXX of the XXXX Virginia Code, ClearSpring Loan Services XXXX Inc. is required to notify you of the following information concerning the account referenced above : " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX - XXXX MRT Deficiencies can not sue you for it and XXXX - XXXX MRT Deficiencies can not report it to any credit reporting agencies. '' Even after receiving this notice, they are still trying to collect this debt and it shows up on my credit report. My husband did everything we could do in terms of researching any debt and requesting the breakout of what this debt is for. I am writing because even though recently the debt was removed from my husband 's credit report, it is still on mine. I would like them to remove this debt, as there are huge question marks on the validity of this. Please help get them to remove this from my credit report.