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

Hello, My complaint is in regards to my XXXX/XXXX XXXX general credit card. I opened the account in XX/XX/2021 and have used it consistently, have never missed a payment nor have I ever been late on a payment. 

I keep my balances very low as I take my XXXX XXXX very seriously and keep overall balances at approximately XXXX %. 

This particular account consistently fails to report updated, accurate information which has negatively impacted my credit score and at one point prevented me from attaining another line of credit due to inaccurate information on my credit report on my XXXX XXXX card. 

Right now, today for instance, according to my XXXX credit report, I have a balance of {$160.00} and have a 10 % usage percentage. In reality, I have a XXXX balance. The balance of {$160.00} was from back in XXXX. I have used my card every month and have paid off my balances three times since XXXX. 

All three credit bureaus are reporting outdated information for this credit card because XXXX XXXX has not reported correct information. Transunion says I have a {$250.00} balance on this card! It's all wrong and it's unfairly hurting my creditworthiness in the eyes of lenders. 

All three credit reports show XXXX XXXX has not updated my account since XX/XX/2021 ( and even then, the balance was not correct. ) Not only does it incorrectly show a 10 % credit usage on XXXX and XXXX but it shows a whopping 17 % usage on my Transunion report!! Absolutely wrong and UNACCEPTABLE. 
Then to add insult to injury - XXXX is now threatening to remove the account altogether due to *lack of reporting* which will negatively impact my score even further. 

I have spoken to three different people at XXXX XXXX at length. No one can explain why this is happening and each opens a " ticket '' that promises to look into it and I am told I must wait ( yet another ) 30 days for their investigation to be complete as to why they are not reporting correct payment and balance information. Nothing ever updates and I have never once received any confirmation that their investigation was completed. I've worked so incredibly hard to build my credit up and rely on my score for business as well as personal projects. I have a pristine payment history across all lines of credit including this card but XXXX XXXX continues to incorrectly report balances and payment history. 

Also, when I have tried to dispute the balance / payment history with Experian, they tell me I can not dispute it and that I have to just wait for XXXX XXXX to update my account. Then they threaten to remove it altogether due to " lack of reporting. '' ( Insert scream here. )
Product: Credit reporting or other personal consumer reports

I was checking my credit on the app where I usually check my credit. And I got a notification saying that my personal information such as my social # is on the black market
Product: Debt collection

I have a personal loan through One Main Financial that I can no longer pay because A ) I have been out on XXXX XXXX XXXX and I explained this to the collectors B ) because of my financial hardship I have enrolled in a debt relief program to help settle my debt with collectors in an attempt to avoid bankruptcy. The relief program I am enrolled in is through XXXX XXXX. One Main Financial in XXXX, GA has called me XXXX times from Monday XX/XX/30 through today XXXX. They have called me many times before that as well from the number ( XXXX ) XXXX. I was advised by someone through XXXX XXXX to file a complaint since the plethora of calls they are making is dangerously close to being considered harassment.
Product: Vehicle loan or lease

Honda Financial stated in a response to my previous complaint that they gave me the opportunity to request a month deferment to help me catch up. That statement was false. I immediately contacted Honda to request this help and it was denied. The r presentative said that she had no idea who had given me this information because there are no notes. The other issue I want the cfpb to help me with is the late fees and how difficult this company has made it for me to make payments. T HH e only way I can pay Honda require me to pay extra fees. This company to has charged me a ridiculous amount of late fees and on tf op of those charges, Honda has not allowed me to make phone, or on their website for future payments. I have XXXX  and I asked the salesperson if these options would be available, because my disability does not allow me to go through complicated payment procedures without having to put the task aside then come back to it again.
Product: Debt collection

Debts a result of identity theft that happened in XX/XX/2019. Police report was filed and taken to the creditor, which was then given back and marked as not needed. Account was then sold and additional fees were added. I told both the debtor and collection agency the accounts were compromised and they will not stop harassing me. Making threats to have a lawyer sue me. Spoke with police after paying back most of the funds and was told to stop making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I check my credit I see accounts from XXXX, XXXX XXXX on my credit. This is old and stale information thats sitting on my credit report for 10+ years. Im trying to buy a home. This is causing my family economic harm during a pandemic. We can not obtain housing because of this. I should be free to go. Ive paid my 7-10 years. Please remove all old stale information from my file with all three credit bureaus. I am XXXX and caring for my granddaughters. We need to be able to get a loan for a home. Please remove these inquiries.
Product: Money transfer, virtual currency, or money service

I initiated a transfer through Western Union on XXXX XXXX. I was never given a MTCN to give to the recipient of the money. I called to get a MTCN and was given the incorrect number on XXXX XXXX. When it was discovered that it was the wrong MTCN, it was too late to send the money to the person. I was then offered a refund and was given a new MTCN to use to pick up my refund. I then went with my ID and new MTCN to 4 different Western Union locations to try to receive my refund. I was turned away at each location and was told that I had to call Western Union to figure it out and that they could not find my transaction. When I called Western Union back they said that everything was fine and that I just needed to go pick it up. Seems like theft to me.
Product: Debt collection

This is regarding an alleged debt of {$280.00} with XXXX XXXX that is on my credit report. I have reason to believe I do not owe this debt because I believe they have me confused with a different person. I have been requesting all of the following information be provided to me by mail since 2017 and have yet to receive this information. 

1. The amount of the alleged debt including an itemized statement of said debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing they have verified that I am responsible for this debt including my original signature when opening this account. 

They have not provided me with any documentation that this debt is mine and refuse to take it off my credit report. I have contacted the said original creditor and they do not have my name on record or this debt. 

I would like this removed immediately from all credit reporting agencies.
Product: Credit reporting

there is a report on Transunion XXXX that states XXXX. no other notes. I called XXXX and they stated they can not find anything on my account. Nothing that should have ever been reported.
Product: Credit card or prepaid card

Beginning in XX/XX/2018, I was contacted in person by b XXXX XXXX XXXX XXXX. I agreed to have them run my campaign on XX/XX/XXXX and placed a {$1500.00} down payment with my Capitol one Quicksilver card the next dayXX/XX/XXXXXX/XX/XXXX. We were supposed to go live XX/XX/XXXX and have a meeting. XXXX XXXX XXXX, their representative, and owner did not show up and did not return my calls.

On XX/XX/XXXX I called to dispute the charge with Capitol One.

XX/XX/XXXX Capitol one responds that they have heard from the merchant and that the claim was that services were rendered XX/XX/XXXX I contact Capitol one to say that I haven't heard from the merchant and would like to know how they reached them. Customer service rep says that merchant has agreed to refund. 
I don't want to exhaust this issue, but Capitol one Can not give me a consistent wat to send them the information that this was a scam. They keep asking for a cancellation. 
THERE'S NO CANCELLATION BECAUSE THEY TOOK THE MONEY AND RAN CAPITOL ONE! CAN'T ANYONE ON THE LINE UNDERSTAND THAT! 

ANYWAY, I'm seeking relief from XXXX  customer service people at Capitol one who lack the competency to process this scam issue. They see fit to reach out through the scammers bank but can not do anything normal to resolve this for me. 

Please help CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 HAS VIOLATED MY RIGHTS.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the items below all be updated to paid as agreed on my consumer report. 
Account : XXXX Date open says open XXXX and XXXX XX/XX/XXXX XX/XX/XXXX High Credit : The date open is reporting 3 different dates {$410.00} {$410.00} {$0.00} The credit limited is reporting {$410.00} but reporting {$0.00} on another one so that is not accurate in a credit report suppose to be 100 % accurate Past Due : {$0.00} {$43.00} {$43.00} Past due is reporting {$0.00} on one and reporting {$43.00} Payment Status : Current Current Late 60 Days Payment says current but then is reporting 60 days late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reporting XXXX and XXXX that is inaccurate information Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting to many different dates as late payment one says XXXX and other one says XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates on last active XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong information on late payment Payment Status : Late 30 Days Late 60 Days Late 60 Days Payment status say 30 late days and one say 60 late days so can you take the late payment off because I was never late Account # : XXXX XXXX XXXX Is reporting wrong late payments I was never late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reported XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of late payment say XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong I was never late Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active says 3 different dates XXXX and XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last payment is reporting XXXX different dates XXXX and XXXX Account # : XXXX XXXX XXXX I was never late on this account Account # : XXXX XXXX XXXX Reporting different dates Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date open reporting 2 different dates XXXX and Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting 2 different dates XXXX and XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates XXXX and XXXX Account XXXX Account is not accurate Account # : XXXX XXXX Account is not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13.00}.

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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/2021 with a balance of {$13.00} -This is not my account.
Product: Checking or savings account

Hello, I opened a online Citibank checking+savings account in XX/XX/2019 under the promotion of XXXX $ bonus if I maintained a balance of XXXX $ or more for 60 days. I met these requirements on XX/XX/2019. I had contacted the bank to enquire about the bonus and they had confirmed that I have met the requirements and bonus will be credited to my account. I have chat transcripts from customer service confirming the same. 

When I contacted them again to enquire about the bonus on XX/XX/2019, they lied to me that my account was not opened under the promotion and I will not be receiving the bonus. 

Checking account # XXXX Savings account # XXXX I would like to complain about this fraudulent practice and demand that they send me a check of XXXX $ that they owe me. 

XXXX XXXX Phone : XXXX
Product: Checking or savings account

I deposited a XXXX check into my checking account at Bank of America. The bank put an 8 business day hold on my deposit. They did not make at least XXXX dollars available after 3 business days. I believe this is a violation of the expedited funds availability act. The entire check is on hold for a total of 12 days including the weekends. I am in good standings with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are obligated by the FCRA to furnish accurate information and accounting. 

In accordance with the Fair Credit Reporting act The Following XXXX  Accounts have violated my rights : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 states that A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Equifax and XXXX credit reporting agencies still have a XXXX XXXX XXXX XXXX Account # XXXX, a XXXX XXXX Account # XXXX, a XXXX XXXX  Account # XXXX, a XXXX XXXX  Account # XXXX on my consumer report, but this is to be REMOVED IMMEDIATELY - these accounts are not on my Experian Consumer report THEREFORE, THESE REPORTING AGENCIES ARE FURNISHING INACCURATE INFORMATION. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

ALL INQUIRIES REPORTED WAS FRAUD and according to LAW said companies ( XXXX, Equifax and XXXX ) have 4 days to remove all inquiries. 

FTC Fraud report was filed.
Product: Checking or savings account

Hi Sir or Madam, I opened a business checking in-office with Citizens Bank . When I opened the account on XX/XX/2023, I showed the banker the promotional details that I attached below as I could not open the account online. The banker told me that the promotion was valid and would open my account in-office with the promotion attached. However, I still have not received the bonus despite depositing the {$5000.00} within the timeframe given.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX
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 24 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 reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts that are inaccurate are XXXX, Equifax and XXXX.
Product: Money transfer, virtual currency, or money service

This bank treats me horrible their customer service doesnt understand what identity theft is I have applied for the XXXX XXXX once and now due to so many applications they refuse to process my valid one and the fraudulent ones delete from their system they want me to wait 40 days to reapply their crazy
Product: Credit reporting or other personal consumer reports

My personal information : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/1985 Phone Number : XXXX SS # : XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

The following accounts are the result of identity theft and should be blocked, 1 ) The following fraudulent account must be removed from my credit report. 
Account Name : XXXX XXXX  Account Number : XXXX Fraudulent balance : {$8500.00} This account is not mine. 

2 ) The following fraudulent account must be removed from my credit report.

Account Name : XXXX XXXX  Account Number : XXXX Fraudulent balance : XXXX {$1200.00} This account is not mine. 

3 ) The following fraudulent account must be removed from my credit report.

Account Name : XXXX XXXX Account Number : XXXX Fraudulent balance : {$10000.00} This account is not mine. 

4 ) The following fraudulent account must be removed from my credit report.

Account Name : XXXX XXXX Account Number : XXXX Fraudulent balance : {$13000.00} This account is not mine. 

5 ) The following fraudulent account must be removed from my credit report.

Account Name : XXXX XXXX XXXX Account Number : XXXX Fraudulent balance : {$20000.00} This account is not mine. 

6 ) The following fraudulent account must be removed from my credit report.

Account Name : XXXX XXXX XXXX Account Number : XXXX This account is not mine. 
Fraudulent balance : {$10000.00} 7 ) The following fraudulent account must be removed from my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Fraudulent balance : {$24000.00} This account is not mine The following accounts are the result of identity theft and were opened without my authorization. 

I do not understand how this accounts can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions in my name.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please remove this inaccurate and fraudulent accounts from my credit report as required by the Fair Credit Reporting Act. I do not consent to any e-oscar, or any other means of automated verification.