23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I use the Citibank XXXX Advantage Credit Card which entitles the consumer to Group XXXX Boarding on Flights and XXXX Free Checked bag on XXXX airlines flights. The card has a annual fee of {$85.00} dollars for these services. My family and I took a trip on XXXX XXXX on XXXX XXXX to from New York to XXXX XXXX XXXX returning on XXXX XXXX. We did not receive Group XXXX Board or our free checked bag. I contacted Citibank on XXXX XXXX and the service person apologized but indicated that nothing could be done about the services that I paid for that I did not receive. I then asked how could I be assured that I would receive the services that I paid for in the future. The representative could not assure me that I would receive the benefits that I paid for. So I asked why was I being charged for a card that would not work. The agent then offered me XXXX american airlines miles. I never received the miles and I am not receiving the benefits that I have paid Citibank for with this card.
Product: Credit card or prepaid card

I dont know the dates. I was reported deceased and now cant apply for another credit card & have tried to fix with XXXX but they say information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer defaulted on a auto/installment loan XX/XX/XXXX. No payments were made by the consumer after XX/XX/XXXX. Lender falsely reported payments made in XXXX that we're not made by the consumer. Lender also held the account open past 120 days and did not report the account charged off/closed until XXXX. Consumer believes lender reported inaccurate payment information and held the account open past 120 days to maliciously further hurt consumers credit and to give them more time to collect the debt. Consumer filed a dispute with the credit bureau but no action was taken by the lender or the credit bureau to correct the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting late payment for Equifax, XXXX, And XXXX! Multiple disputes have been sent in to them with no update - no investigation and no replies back from company & credit bureau. Inaccurate information is affecting my ability to obtain credit! Violation of 15 U.S.C 1681G XXXX XXXX XXXX  with XXXX XXXX Equifax - Inaccurate reporting! This account is showing two different dates that a XXXX  was filed/reported. It is also showing inaccurate reporting with the court it was " filed with ''. XXXX  on a persons consumers report is a Violation of title 15 USC 168 - right to privacy. Despite 9 written letters to the credit Bureau 's - this account is still reporting inaccurately affecting my ability to obtain credit. 

XXXX XXXX XXXX XXXX  Reporting for XXXX XXXX Equifax- was included in XXXX  - reporting inaccurate information - open date is wrong - credit limit is wrong - payment status is incorrect - reporting date is wrong - active date is wrong - and XXXX  on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. I've sent out 9 Dispute letters with nothing resolved! 

XXXX XXXX - XXXX & Equifax - Reporting incorrect information! Open date = wrong. Account type is showing different details for both credit Bureau 's. High credit is incorrect and has two different numbers. Credit limit is inaccurate and showing two different numberes. No proof of investigation despite 9 letters to credit Bureau 's. This was included in XXXX  - and XXXX  on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. 

XXXX - XXXX XXXX Equifax - This was included in XXXX  - and XXXX on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. On top of that - Credit limit is inaccurate - payment status is inaccurate - and active date is inaccurate. 

XXXX - Equifax - This was included in XXXX  - and XXXX  on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. 

XXXX XXXX - XXXX & Equifax XXXX account showing closed, paid and open - account is also showing one missed payment when there wasn't any missed payments. Despite 9 written letters - no change - no reply - and no update.
Product: Credit reporting or other personal consumer reports

My name ia XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Checking or savings account

DATES : XX/XX/2018 SUNTRUST : CHECKING ACCOUNT FRAUD PERSON THAT COMMITTED FRAUD IN THE INCREMENTS WERE OVER {$1000.00}. PERSON NAME ON XXXX WAS XXXX XXXX SOMETHING OVER SOCIAL MEDIA. XXXX.
Product: Mortgage

WSFS claimed they I did not pay a monthly payment. I sent them proof that it was paid through my bank. I contacted them over 8 times. I even went to the local branch but nothing was resolved. They will not help me and I provided them with the electronic confirmation that they took the money from my account.
Product: Credit card or prepaid card

the middle class debit card i received was already used.everytime and everyday for the past 3 weeks i been calling everyday to speak with a representative about my fraud account and i wait for hrs and when someone answers i get rerouted to another call and then it hangs up..i need help solving this issue..i been calling both numbers XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent Account stopping me from getting a house with my family
Product: Consumer Loan

Hello my name is XXXX, my husband and I have a XXXX that we financed through SANTANDER CONSUMER USA. We got this truck back in XXXX. In XXXX I became ill and had to stop working leaving all the bills on my husband. On XX/XX/XXXX the truck was repossessed. Santander gave us ten days to get it back and get it back in good standing. This past XXXX XXXX my husband and I where trying to get a house only to find out that they had charge this loan off as a bad depth after we paid to get the truck back. Since then we have nweot been able to make any major purchases because of this. The truck is still in our possession and we are still making payments. This account has been charged off for two years
Product: Vehicle loan or lease

Hello! I live in Maryland and bought a used car at a XXXX Dealership in Ohio. Wells Fargo provided the loan for my purchase but now they say that it will take them another 4+ weeks to send the title to Maryland so I can register the car, even though they have the title on hand. Unfortunately, my temporary plates expire in less than 4 weeks, and I first raised this to Wells Fargo several weeks ago, so this timeline will not work for me. Wells Fargo is offering no solutions to this problem so I am submitting a complaint. I have asked several times if they can expedite this process and was told that there is no way to expedite. I am not sure why this is should take 4 weeks to send a title when they already have the title on hand - they said I could not even submit a request the state-to-state transfer until they had the title on hand, so I already had to wait a few weeks for them to receive the title only to find out about a new 4 week delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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
Product: Debt collection

XXXX 
ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX
Product: Credit reporting or other personal consumer reports

I have tried to get XXXX to properly report my account for years. XXXX is causing a personal injury to my family and I by not reporting the correct information. The usage updates automatically numerous times a month. My payment on my accounts are not being updated and are adversely affecting my accounts and my credit. I have screen shots and recorded phone calls with banks and representatives of XXXX. XXXX always blame the institutions and vice versa. This in sure is a trend impacting certain demographics more than others. I have over half my accounts pass the thirty day mark with no update. I'm trying to get out of a hotel to find a home. If my credit card usage goes up everyday and my payments do not update there is false information projected by XXXX and the other two major credit distribution organizations.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was shocked to see accounts that dont belong to me, and Im completely clueless as to how they appeared. I routinely check my credit report and have never had an issue until now. I tried reloading the page, thinking it was some kind of technical error, but the incorrect accounts are still there. Im pleading with you to carefully review the documents Ive sent so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a resonable investigation of disputes. Furthermore, Equifaxs action may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a job at XXXX XXXX. XXXX did a credit report on me and used Equifax. Well, they might deny me for employment at XXXX for my credit report. In my credit report it says I worked at XXXX XXXX XXXX, XXXX XXXX and XXXX I have never applied to XXXX XXXX and never worked at XXXX or XXXXXXXX XXXX. I have tried to call Equifax many times, and it seems I don't get the questions correct. I have never had a mortgage or department credit cards. I need help, please.. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX wrongfully posted that my XXXX account had been delinquent when I was a victim or unauthorized charges being placed on my account. XXXX XXXX  removed these charges and sent me a letter stating that they were removing the delinquency. 
XXXX failed to correct the mistake and falsely certified that they had conducted an investigation and found the charges valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit companies are not complying with their own policies in a timely manner. I disputed these items on XX/XX/2022 and I have not gotten any response from the credit bureaus about this issue. I want the items removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX my mortgage was in the process of foreclosure, however during negotiations thru my attorney and XXXX XXXX XXXX 's attorney a resolution was reached to pay the back charges due and resume normal activity with mortgage, with no foreclosure and we remained in the home. This was completed sometime in XX/XX/XXXX. So for 6 years I have since made all payments as requested and per monthly statements I receive. Tax 's and Insurance is up to date. The last reporting date on my credit bureau, shows XX/XX/XXXX, and shows current under " payment status ''. But " account status '' shows " closed '', when the balance is XXXX from XXXX when this was worked out through XXXX XXXX XXXX, so balance as dropped as shown, I am not being given credit on bureau since XX/XX/XXXX, and this reports on XXXX and Trans Union. I have called many times but can not get this resolved, and always have to speak to a automated person, or be transferred to someone else who can not help me, except they say " it takes time for updating '' Really? its XX/XX/XXXX, a year and half, since they lest reported. I am not sure why it stopped reporting, as it was reporting current payment but with a closed account?!? I am confused, and need this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00} ACCT. # XXXX XXXX  # XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$520.00XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX ( XXXX ) ) XX/XX/XXXX {$320.00} XXXX XX/XX/XXXX {$440.00} XXXX XX/XX/XXXX {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed lots of accounts on my report I do not recognize
Product: Debt collection

The company that I am formally accusing is PayPal for their loss of a payment submitted to them from this past XXXX for {$79.00}. The payment was submitted via money order from XXXX. I contacted XXXX, they said the order was cashed on XXXX XXXX. Whoever the person was that cashed it, I have no idea! I am not responsible for this bout of incompetence, I have the stub from the money order. I have tried being patient with these XXXX but my patience has run out! I have to obtain the info in the money order to submit to you along with their latest bill. I am out of patience with these XXXX, and I am sure you have your share of complaints against them. I also wish to bring charges against PayPal!
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased this vehicle on XX/XX/2022. I have never been late. XXXX XXXX has me down as XXXX XXXX instead of sending in the payment monthly. I have never been more than thirty days late. I received an XXXX for XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines the acceptable reasons for obtaining a consumer report. The unauthorized inquiries do not fall under any permissible purpose.

15 U.S.C. 1681q - Obtaining Information Under False Pretenses : Obtaining a consumer report under false pretenses is illegal.

15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy : I am disputing the accuracy of these inquiries and requesting their removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acc # XXXX date XXXX XXXX ( closed ), ... in accordance with the fair credit reporting act XXXX  # XXXXhas violated my rights!, ... 15 U.S.C.1618 section602A states that i have a right to privacy ... 15U.S.C.1618 section604A also states a consumer reporting agencycan NOTfurnishan accoun without my consent and/or instruction and i did NOT give it to them..
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my credit reports and noticed that this company was reporting an inaccurate debt on my report. I sent a letter to this company on XX/XX/XXXX asking them to verify this debt owed as mine. I received a letter back, which they failed to verify anything, instead Portfolio Recovery sent me a list of charges or an itemized bill of what I alleged owed. As shown on the statements that I were sent for XX/XX/XXXX, this is NOT my name NOR is this my address. I clearly indicated my information on the first letter. 

I was confused as the originally creditor was XXXX XXXX. 
When did Portfolio Recovery become a bank or a lender? 

On XX/XX/XXXX, I sent a follow up letter, once again demanding validation of this alleged debt that I owe this company. I received a response, that stated that any further disputes would not be looked in to as they have already verified THEIR information to be accurate.
Product: Debt collection

Weltman Weinberg & Reis Co. bought a debt from XXXX Bank on a credit card. Sent illegal letters threatening litigation, and refused to follow federal guidelines outlined in the FCRA to validate the debt. The last request to validate the debt was sent in XXXX of XXXX, the first requests were sent to XXXX in XXXX. Neither party validated the debt under the guidelines of the FCRA and are in direct violation of Federal law.

The debt collector also violated the contract agreement with XXXX and is attempting to use the legal system as a scare tactic even when the contract with XXXX states neither party can use the court system. 

XXXX claims charges were reversed, bank statements with XXXX XXXX XXXX ( the bank used to make the payments ) show the payments, totaling over XXXX XXXX USD did clear to XXXX. Neither party has followed written or verbal requests to validate the debt and both refuse to follow Federal laws and regulations or even state laws.
Product: Money transfer, virtual currency, or money service

First I would like to thank you for your time. On XX/XX/19 @ XXXX XXXX  I sent my friend some money through cash app. {$190.00} dollars to be exact. She couldn't access her old account due to getting a new number. She tried making a new name and getting it through a different cash app. Cash app has no number to where you can contact them. She emailed them, they emailed her back telling her how she could access the account, that still didn't work. I then emailed them and told them what happened. They didn't contact me until the next day. They gave us all these resolutions that would supposedly help us get the money back, but none of them worked. My sister was the one who sent the money, so I told her to dispute it with her bank. She then said her bank told her to go through cash app and see if she could get the money back. She also reached out to cash app and they told her I should contact them. In the mean time the then told me that it was sent back to my account. But I had made a new name as well. They said the money was sent back and to make sure my bank accounts were linked. my bank accounts have always been linked and so has my friends. To sum it all up, I haven't heard back from cash app and I have been emailing them since the day started. It is now XX/XX/19 and I have yet to hear from them or receive my money. please help me out anyway that you can because this is unacceptable. Thank you very much, XXXX XXXX.