23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Citicards misrepresented the status of my credit card account prior my scheduled payment on XX/XX/XXXX. After receiving the same payment twice, they have been sitting on {$7700.00} of my own money since XX/XX/XXXX. The fault lies entirely with Citicards not with my bank or me. Their excuse : balance owed to me exceeded {$5000.00}, needs higher management review that can take 10-15 business days? This seemingly is a federal government requirement. Ive asked them to send me the specific federal regulation allowing them to sit on my money for 10-15 business days before returning it? Current update : Asked to call Citi Executive Response unit. Now told that it may take a further 10-25 business days to review more than 1 month!!! 
Brief summary of Citi fiasco After receiving my statement by email on XX/XX/XXXX, I had set up my scheduled payment of {$7700.00} for payment on XX/XX/XXXX, 2 days before the payment deadline. I do this on the day or a day or two after I receive my statement by email. 
Logged into Citicards prior to my payment deadline, Website was showing junk. A XXXX  balance showed on my card! Called Citi and was informed that the bug would be fixed. A few days later website restored but could not find my scheduled payment. However, I could see no sign of pending payments online. Being concerned, I called Citicards yet again and asked about this. My account was showing 2 credit cards old and an unwanted new one not yet shipped to me. Informed agent that my pending payment scheduled for XX/XX/XXXX was not showing. She checked and told me that there was no pending payment in the system. I queried this a number of times as I was sure that I had submitted this for payment from my bank account. She insisted it was not showing and asked me if I wanted to submit a payment by phone through her to my bank account. I reluctantly agreed and she submitted a payment for XX/XX/XXXX. 
The day before the payment was due, I checked my XXXX XXXX   account. I saw 2 pending payments for {$7700.00}! I immediately called XXXX again, and the agent now insisted that I should not worry as only one payment would go through. I believed her. The next day both payments went through on my bank account. 
I have been waiting for 14 business days for my money and now am told another 11-15 business days. Had I missed my payment by 1 day, Citi would have lumped a hefty late penalty of 29 % or more on me. This is a disingenuous and dishonest means of holding my money for their use.
Product: Credit card or prepaid card

I can not access my account through money saving apps such as XXXX. 

Please allow me to use these features
Product: Credit reporting or other personal consumer reports

I ran my credit report on XXXX XXXX XXXX for all 3 company 's and discovered Identity Theft occurred. I was not able to download my XXXX and Transunion report b/c of technique issues I was having. I found I have an unauthorized account that was recently charged off to collections named XXXX  XXXX opened on XX/XX/2022 and charged off and sent to collections for the amount of {$3700.00}. ( see attachments ) I was only able to down load the XXXX Report but it does not show the loan from account services. 

I need to do a credit freeze, and dispute the loan that is on my credit report. I also need my full credit report from all 3 companies b/c they are all showing different things. I am a victim of Identity theft and need to resolve this asap but I am unable to do anything b/c I can not speak to a real live person and I am locked for not having the correct information when requesting it from the other 2 major credit agencies. 

XXXX XXXX XXXX Transunion
Product: Mortgage

As of early to mid XXXXXXXX XXXX, Loancare , LLC, has been down. The parent company, XXXX XXXX XXXX, shut everything down after a cyber attack. They still have not got it up and working. We can not access our mortgage accounts to make payments ( I've never been late ).

Absolutely, No Communication from Loancare about this serious situation. We learned through message boards and forums. 

** My financial data is now compromised. ** My payment, well, who knows when the Site will be up, so more than likely it will be considered late and my credit might take a hit through no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021 and XX/XX/2021. They are still contacting me and this was shown up on my XXXX credit report. I will sue them if they continue to collect debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit on XXXX XXXX, I noticed 6 hard inquiries that I did not recognize. They are on my XXXX report and are dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Additionally they were all tied to National Credit Cards/Airlines. I called XXXX and they said they were from Synchony Bank and I would need to call them and provided me the phone number of XXXX. I spoke with Synchony Bank and they denied knowing anything about it, and attempted to shift blame on XXXX XXXX, stating this was an issue with them, however, XXXX XXXX is only a monitoring company. They do not report to the credit bureaus. 

XX/XX/XXXX Syncb/Steinmart DC XXXX, Florida XXXX XX/XX/XXXX SYNCB/PAYPALEXTRASMC National Credit Airlines XXXX, FLorida XX/XX/XXXX SYNCB National Credit Airlines Orlando, Florida XXXX XX/XX/XXXX SYNCB/WALMART PLCC National Credit Cards/Airlines XXXX, Florida XXXX XXXX, XXXX SYNCB National Credit Cards/Airlines XXXX Floridaa I never authorized Synchony Bank to make these inquiries against my credit. I am requesting in writing assurance that all of my personal identification information be removed from any and all files both electronic and physical immediately. I am also requesting these inquiries be removed from my XXXX report so I will no longer be adversely affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I settled a debt with XXXX, I recached an agreement with collector ( XXXX ) stating as follows, once my debit was payed a letter was sent out to the three credit bureau reporting agencies XXXX, XXXX  and Equifax advising them to take off any remarks relating to this debit. I have tired to reach the credit bureau 's to discuss there role in upholding the decision made by XXXX but i have not been able to secure that decision. I have the necessary documents proving that an agreement was made between me and XXXX to have any remarks regrading this debit to be completely removed from all of my three my credit files.
Product: Checking or savings account

My account was over drafted and than unexpectedly close I had emails about being reimbursed but never was back in 2016
Product: Credit reporting

Fraudulent Inquires were made on my reports. I did not authorize this. I sent certified letters with no response or action return. Please remove from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card balance is not getting regularly updated with XXXX, XXXX, or Experian even though XXXX XXXX XXXX XXXX is submitting the information monthly. It is XXXX XXXX XXXX but my account balance on my credit reports show that they have not been updated since XXXX XXXX
Product: Checking or savings account

I opened an account with BBVA XX/XX/2020 and the advertisement read Open a checking and receive XXXX and savings XXXX. I received XXXX total. This is a deceptive practice to advertise one thing and provide another.
Product: Credit reporting or other personal consumer reports

The accounts on my credit report that are tied up in litigation are creating unnecessary problems for me, and Im beyond frustrated. Ive reached out multiple times to have this corrected, but nothing has been done.
Product: Credit reporting or other personal consumer reports

Please review this complaint thoroughly, as it was submitted intentionally and with careful consideration. My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. Despite my efforts to resolve this, the issue persists, causing me considerable XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked several times for these inquiries to be removed from my file I have a fraud alert and did not give XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX permission to run my credit ... I am a single mother of XXXX girls and it is hurting us to get furniture and other necessities because these businesses took advantage and ran my info.. PLEASE HELP US!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received multiple calls from capital one customer service number XXXX. When I answered XXXX XXXX introduced himself on a recorded line from the fraud dept. I had recently had fraud charges to XXXX and got a new debit card so I was open to the call. He was american, friendly, and reassuring. We reviewed my account information and he assured me he would help me set up a new account number to protect me from the multiple attempts on my account to transfer funds to an ip address.to do this I would need to have my funds held in XXXX so they could be deposited in my new account when the process was complete. By using the friends and family option those funds would be available to my new account instantly and not held for any length of time after. I had never used XXXX, XXXX was able to walk me screen by screen through the process and assured me no funds would post. We needed to send enough money to force XXXX  to send me an alert so we would accomplish 2 things with the temporary transaction. The alert, and hold my funds so he could create the new account. I was hesitant, but everything was so spot on and familiar due to my recent calls about fraud on my account. This entire call took about an hour. The transfer was initially set up for XXXX XXXX at XXXX, though when the contact for that account came back as XXXX XXXX, I was told we needed to use a different test account since this one was being access by another agent. We used XXXX XXXX at XXXX. I could hear the agent typing away off and on, all the while assuring me by telling me what was happening in my new account set up. None of this seemed off. XXXX is associated with my bank, I was assured that using it was standard due to the affiliation. After just over an hour the line disconnected. I called capital one back and provided the case number XXXX had given me. There was nothing on my account. I filed a claim at that point for the money I had " pended '' in XXXX.
Product: Credit reporting or other personal consumer reports

Credit Reporting Agency Name ( or company involved ) : Experian Account Number ( XXXX ) : XXXX Complaint Details : I am filing a formal complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) regarding a charge-off account listed on my credit report under Opploans/FinWise. 

I have previously submitted two disputes regarding this account, and the credit bureau claimed the account was verified. However, the information remains inaccurate due to repeated reporting of charge-offs each month, effectively re-aging the account. This practice is against the provisions of the FCRA and TILA, as it unfairly extends the negative impact on my credit report.

Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA Section 1681b ( 2 ) - Accuracy of Information : The repeated monthly reporting of the charge-off re-ages the account, making the information inaccurate and misleading.

FCRA Section 1681b ( 5 ) - Permissible Purpose : The re-aging through repeated reporting does not align with permissible purposes under the FCRA.

FCRA Section 611 - Duty to Investigate : Despite my disputes, Experian failed to correct the repeated inaccuracies, thus violating the duty to investigate.

FCRA Section 1681i - Reinvestigation Failure : The ongoing failure to reinvestigate properly and address the repeated reporting constitutes a violation of this section.

Violations of the Truth in Lending Act ( TILA ) : Failure to Provide Accurate Information : The repeated charge-off reporting inaccurately portrays my financial status, violating TILA 's requirements for accurate reporting.

Request for Resolution : Immediate deletion of the charge-off entry from my credit report.

Proof of verification from Opploans/FinWise substantiating the charge-off. If this can not be provided, the account must be removed.

Investigation into and correction of the repeated reporting.

Failure to address this matter within 15 days will result in further action, including filing additional complaints with the CFPB and seeking legal recourse.

Thank you for your prompt attention to this matter.
Product: Debt collection

I hope this letter finds you well. I am writing to express my concerns regarding the ability of credit bureaus to accurately determine whether a client is a victim of identity theft. While I understand that credit bureaus play a crucial role in maintaining the integrity of credit reporting, it is essential to acknowledge that there are certain limitations in identifying identity theft solely through traditional credit monitoring processes. Identity theft is a pervasive problem in our digital age, and its methods are becoming increasingly sophisticated. Despite the best efforts of credit bureaus to detect suspicious activities and protect consumers, there are several reasons why it can be challenging to definitively determine whether a client has fallen victim to identity theft XXXX XXXX XXXX I believe it is essential for credit bureaus to acknowledge these limitations and explore more robust and proactive measures to protect consumers from identity theft. These measures could include increased data sharing and collaboration among financial institutions, more comprehensive identity verification processes, and enhanced monitoring for non-financial forms of identity theft. In conclusion, while credit bureaus play a vital role in the financial ecosystem, it is important to recognize the inherent challenges in definitively determining whether a client is a victim of identity theft solely through traditional credit monitoring processes. I urge you to consider these limitations seriously and work towards
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On around or about XX/XX/2022, my score dropped XXXX points from TransUnion. 
All I see is XXXX changes for this action. 

XXXX XXXX services account balance increased by {$55.00}. 
XXXX XXXX increased by {$2400.00}. 

I can't see my score dropping XXXX points for this. 
The other XXXX XXXX score drop XXXX points not XXXX. 

I want a re-evaluation of my score. 
I think this is wrong.
Product: Debt collection

Someone with the same name as me, the same date of birth, who failed to pay the balance of their account and failed to return the equipment to XXXX ( XXXX XXXX ). 

This is the second time XXXX  has misreported a collections account as me. A few years ago I saw an account show up on my credit report as in collections. I disputed the account with XXXX, and within a few weeks it was removed. This time when I disputed this new account in collections, XXXX said that they confirmed it was my account, so I contacted the collections company I.C. SYSTEM INC. on XX/XX/XXXX to gather all the information I could on the account and see how this could be resolved. I spoke with a XXXX ID # XXXX who confirmed that the only information that matched mine was my name XXXX XXXX, and my date of birth, XX/XX/XXXX. The service address, phone number, email, is different. XXXX told me to contact XXXX and submit a fraud case. 

I contacted XXXX, opened a fraud case ( XXXX fraud case # XXXX ). The agent I spoke with confirmed that the social security number on the service account the collections account is regarding does not match my social security number, so I disputed the collections account with XXXX again, uploaded scanned copies of my driver 's license, social security card, and passport. XXXX closed the dispute on XX/XX/XXXX with the findings that I.C. SYSTEM INC. confirmed the collections account is me. So when I saw this today ( XX/XX/XXXX ) I called I.C. SYSTEM INCXXXX at XXXX XXXX  EST to ask how they are confirming the account belongs to me. The person I spoke with said that when XXXX investigates the dispute, they just confirmed the information that they have, which in this case, is just the name XXXX XXXX and the date of birth XX/XX/XXXX. I.C. SYSTEM INC. said they do not have this person 's middle name and they do not have this person 's social security number. 

XXXX  is asking me to file a police report claiming identity fraud, but I do not believe this other XXXX XXXX used my identity to open an account, I think XXXX  ( XXXX XXXX ) is improperly reporting the information to their hired collections company I.C. SYSTEM INC. 

I have an active service account with XXXX and I believe they're misreporting that information. 

It is extremely frustrating that this is the second time XXXX has done this, docking my credit score, taking up a lot of my personal time, and causing me undue stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I contacted SYNCB/Paypal credit card and requested to close my accounts, which were in great standing. I paid whatever balance was on the cards and had them closed. In XXXX, I received a negative alert via my XXXX credit monitoring,  letting me know I was 30 days past due on an account. When I looked at my credit report, the negative reporting with a past due balance was from Payal. I immediately contacted Paypal and questioned the reporting. I was told that a charge was applied to my Paypal account AFTER the account was closed. I am confused as to why a charge was approved on a closed account. It would have been easier to deny the charge so that the merchant would contact me instead of approving a charge when the relationship between myself and Paypal no longer existed. I also did not have access even to pay the Paypal account. After speaking to the representative, I was told that the reporting would be removed. I was able to make the payment, and I thought all was well. A few weeks later, this again showed up on my credit report. 

This reporting has questioned my creditworthiness and is now creating issues with accounts I have had great relationships. I have been denied business credit and had credit limits decreased. It is now impacting my ability to sustain my way of life. The most upsetting part is that this was a closed account. There is no justification or rationale for why anything should have been approved.
Product: Credit reporting

I am trying to put a fraud alert on my credit via Equifax 's web site because I have reason to believe that someone has used my social security number. However, I can not sign up on Equifax 's web site without first paying {$20.00}. Really?! I have to pay {$20.00} just to alert the company that somebody may have my social security number?! That does n't seem right or fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was removed from my credit report as I never had a loan with them. Theyre now reporting that loan again under a creditor called Jefferson Capital System.