23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX in regards to an item on my credit since 2014. I've contacted them numerous of times and also disputed this item on my credit multiple times in regards to its inaccurate and illegal reporting. Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ( c ) Running of reporting period. ( 1 ) In general : The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. This unlawfully being placed on my credit has caused me to lose out on Credit Card opportunities, denied for bank accounts, my credit score tanking, I haven't been able to get a car and the list goes on. I've provided them proof from THEIR website showing my vehicle was paid for so why is it still on my credit? They charged this vehicle off and inaccurately reported my payment history to all XXXX bureaus. I have disputed this with all XXXX bureaus with no resolution just more run arounds. I can provide my payment history showing I received a credit that covered the vehicles balance- their system shows it. They have been making my life a living XXXX for 10 years- that is way past 7 years as stated above. XXXX XXXX is taking advantage of its consumers and purposefully ruining credit worthiness because they get away with ignoring disputes and complaints. It is unlawful! I have attached my payment history- you will see the credits in " ( ) ''.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft, which resulted in numerous unauthorized accounts being fraudulently opened under my name. Despite filing disputes with the credit bureaus and providing evidence through a valid FTC identity theft report, the following accounts remain on my credit report : XXXX XXXX XXXX ( Account # : XXXX ) XXXX XXXX XXXX ( Account # : XXXX ) XXXX XXXX XXXX XXXX Account # : XXXX ) XXXXXXXX XXXX ( Account # : XXXX ) XXXX XXXX ( Account # : XXXX ) XXXX ( Account # : XXXX ) XXXX ( Account # : XXXX ) XXXX XXXX Account XXXX : XXXX ) XXXX XXXXXXXX ( Account # : XXXX ) These accounts were fraudulently opened without my consent and are negatively impacting my credit profile. The XXXX XXXX account, where I am listed as an authorized user, was added without my knowledge or permission. 

Additionally, incorrect personal information, such as aliases and previous addresses, has been added to my credit report. The credit bureaus failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a proper investigation or removing these fraudulent accounts after my disputes.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. 

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. 

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. 

Thank you for your immediate attention
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a modification on my mortgage in XX/XX/XXXX and was told by my mortgage company not to make payments while the modification was in process ; after the mortgage modification was completed, the mortgage company showed my credit as being delinquent in my credit report, I tried to get them to reverse this to no avail in XX/XX/XXXX and today.
Product: Mortgage

On XX/XX/ I XXXX XXXX XXXX spoke with XXXX XXXX from Capital One mortgage on a recorded line and was told the reason that I was denied a conventional loan was because of lack of installments such as a car payment or furniture payments. I was told by a XXXX XXXX  that He would look into this talk to his manager and try to get my loan manually looked at by an underwriter. I request a callback from XXXX XXXX and five hours later he called me back rudely told me " Im not lying to you this is how I get paid and XXXX you are NOT going to get the loan. '' Our call got disconnected he never called back. I an hour after being on hold talk to XXXX  who fowards my information to manager XXXX who procedes to tell me that I am indeed denied and because of my lack of credit lines open my use of credit on one of two credit cards was not enough to prove credit worthiness and that ratio of my use of these credit cards are too high of a percentage of credit debt and that this killed my chances of getting a loan. My compliant is that I was givin the run around for several hours told two different reasons of why I was turned down from loan and I was talked to very unprofessionally and I was never asked for provide proof of any of my information on my loan application. Apparently XXXX submitted my loan to underwriting but when he spoke to me the second time today he failed to mention this fact which led to me holding on the phone for 55minutes to speak about my application with XXXX. I am distraught that my chances of getting my home have been completely dashed and my time has been wasted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone created an account with credit karma and is illegally accessing my account as it was linked to an email I dont recognize. The email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been working hard for a couple years now to have these frivolous, erroneous, inaccurate, and incorrect accounts investigated and corrected. Experian keeps disregarding crucial legal regulations 15 USC 1681, 15 USC 1681i ( 5 ) ( B ) ( i ) ( 6 ) ( 7 ), 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681 ( 5 ), 15 USC 1681c ( c ), 15 USC 1692, 15 USC 1692c , and more. With the recent CFPB lawsuit against Experian for their poor handling of credit report disputes, I believe this is a great time to address my problems. This process has been beyond stressful and detrimental to my livelihood. I am disputing the accuracy of the following items on my credit report, as permitted under the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Last Activity, Below you will find impermissible hard inquiries on my credit report that I never gave my written consent for the authorization of which violates 15 USC 1681b, 15 USC 1681i ( 7 ), and more : XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 

XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax is not allowing me access to my credit report and score even when i purchase it i was signed up with monthly monitoring and i still ca n't access it this is what i get when i order it We are unable to complete your order at this time. Please contact our Customer Care department at XXXX ( XXXX ) 7 days a week between the hours of XXXX - XXXX Eastern Time Zone for immediate assistance. Please record the following information and have it available when you call : Eval Code : - Status Code : FL, Reason Code : NH i call and no one know what that means i do not have no fraud alert or security freeze on account. also other lender who pull report can not access it either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been getting the same response over and over again. I have been sending proof of who i am for two years now. social security card, photo ID, Photos of my passport. and Experian continue to neglect my request to have the items on my credit investigation. This is an on going issue. Experian refuse to investigate, Experian mention in its response that ( FCRA - Fair Credit Reporting Act is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. The law is intended to protect consumers from misinformation being used against them ) .What experian is doing is a complete violation of this law that is set up to protect me as a consumer. Once i submit this feed back experian will say this is not me and then lie about something else. Experian continue to manipulate the system. I will be taking legal action to get this issue resolved
Product: Debt collection

When my husband left me in XX/XX/XXXX, I struggled to survive. I had a dentist bill of about {$00.00} and a electric bill of about {$600.00}. A credit agency got a judgment against me I could not pay. 

now, just today in XX/XX/XXXX that agency garnished my wages for {$430.00} per month. I am a single mother and me and my XXXX kids will not be able to make it if they succeed in doing this to me. 

I have since that time rebuilt my credit and I work full time. I am making it by the very thinnest of margins. I checked the law and the Statute of limitations has long, long since past by years on this debt. The have it worked up to {$4000.00}. now. The garnishment is illegal. But the credit agency just does what it likes, knowing that I can not afford an attorney to protest this. They figure we can get away with it XXXX times out of XXXX and the worst that can happen is XXXX in a while someone will make us stop. Most cant. Me being XXXX. Why do these credit people just do as they please with no accountability? 

This collection effort is some 6 years beyond the legal statute of limitations. And I will begin to suffer the garnishment next week. 
I beg you to help. This is illegal and will devastate me and my XXXX kids lives.
Product: Debt collection

It was told I have this phone account and I have never had XXXX services and I have had another provider for over 15 years.
Product: Credit reporting or other personal consumer reports

I have an online account created with Transunion that I have had over a year that I am unable to login to. I need to login to that account to be able to freeze, unfreeze, and get my credit score. 

I have been trying for over a month to get my account fixed. I have went through all their help numerous times. I have been contacted back by a supervisor. Each time, the fix will work XXXX time. The next login attempt, I am locked out of the account again. Transunion just asks me to repeat this process over and over. There is obviously a problem with the account somewhere that needs to be corrected. 

My husband had this same issue and had to resort to contacting CFPB to finally get his account fixed. So, after numerous attempts, I am doing the same. 

Please help with this issue. I have accounts at the other Credit Bureau 's and none of them have the problem that Transunion does.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX of XXXX, LA Fraudulently added numerous inquiries on my Consumer Files. 
XXXX XXXX XX/XX/2023 Also inquiries are not connected to accounts, private information, and illegal 3rd parties furnishing information
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen from XXXX XXXX also from another institution about 5 years ago. XXXX reported XXXX phone said i owe {$210.00} for phone service. I have been with XXXX XXXX phone service for XXXX years. I found out about this through credit monitoring service i was supplied by the XXXX for free because my identity was stolen i didn't open this account, I don't know the phone number or account number. I have great credit almost XXXX. This reported dragged my credit down about XXXX points. Please help me get my credit restored. XXXX XXXX will not help. I filled 3 disputes. Also the collection company will not return my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I read over my credit report and found that some of the data were incorrect. These items must be verified by the Experian and XXXX Credit Bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting items as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following items that require investigation and correction for inaccurate reporting in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I disputed an account on my experian credit report many times and it keeps coming back verified. the account is with XXXX XXXX ( ending in XXXX ) i sent a disput in febuary XXXX and it came back verifid. i wrote a letter to XXXX XXXX in XXXX XXXX asking for a copy of the chargeoff, lates anything pertaining to this acount.and if they can not verify then they must delete the tradeline from the credit bureaus- they sent back a reply to me they do not have any info on me cause they sold it, i then made copies and of the XXXX letters and wrote a letter to experian on XXXX XXXX XXXX asking them to remove this account because kays could not verify it. they sent me back on XXXX XXXX XXXX a credit report stating they updated my report- what they did was update my date of status to XXXX XXXX which made it look like it was a recent chargeoff and put in payment history XXXX XXXX chargeoff which made my score go down, theres no date of last activity on my report either, so i called them at the special handling dept and asked how did they verifiy when in the letter to me from XXXX XXXX they had no information on the charge off or late status then i was told by XXXX that XXXX XXXX informed them they did indeed sold it but leave it on my credit report, then i tried again to dispute it and it came back verified AGAIN. sent a letter to experian and of course verified again, then i called them on XXXX XXXX and just recent XXXX XXXX i asked them WHY they keep saying verified when they are the ones who told me if i get a response to send a copy of it to them WHICH i did and i asked how they verified they said electronic. I WANT THIS ACCOUNT OFF MY CREDIT REPORT ASAP.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am filing this complaint against Citi Bank for an unauthorized charge of {$490.00} to my credit card related to a hotel booking I made using Citi 's rewards points portal. Despite multiple attempts to resolve this issue with Citis customer service, the matter remains unresolved, and I have been accused of actions I did not take. 

Details of the Issue : For a XXXX night stay from XX/XX/XXXX- XX/XX/year>, I booked a hotel through Citis rewards portal and selected XXXX points for redemption as payment. 
The final confirmation page showed the points being redeemed, and I proceeded with the booking based on this confirmation ( screenshot attached ). 
However, my credit card was later charged {$490.00} for the same booking, which I neither authorized nor agreed to. 

Attempts to Resolve : I contacted Citis customer service multiple times via phone and email to dispute this charge and provide evidence of the points redemption ( screenshot included ). 
Citi acknowledged the issue but provided only XXXX points as compensation, which does not address the core problem of the {$490.00} charge. 
Their response implied that I may have modified or canceled the points redemption, which is entirely untrue. The transaction was finalized as shown in the attached screenshot.

Background and Financial Impact : The booking was valued at approximately {$200.00} per night. I proceeded only because the points were shown as the payment method. 
No reasonable customer would knowingly pay {$500.00} in cash for a booking available for $ XXXX. 
This error has caused significant financial inconvenience and undermined my trust in Citis rewards system.

Request for Resolution : I request that Citi Bank : Refund the {$490.00} charged to my credit card. 
Deduct the XXXX points as originally agreed for this booking. 
Investigate and address any systemic glitches in their rewards portal to prevent similar issues for other customers. 
Provide compensation for the past 2 months of misery. 

Citi Banks mishandling of this matter, along with the inadequate resolution offered, has been both frustrating and unacceptable. I have been a loyal customer, paying an annual fee of {$95.00} for this card and accumulating points to use for bookings. However, this experience has turned into a financial and emotional burden. 

I hope the CFPB can assist in resolving this issue promptly and ensure Citi Bank honors its obligations to its customers. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account XXXX XXXX XXXX XXXX is not only listed as being OPEN, but also as having a PAST DUE balance of XXXX on XXXX accounts .This is a violation of FCRA and is in violation of requisite XXXX compliant reporting standards. 
According to fair credit reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing compliance with all XXXX reporting standards and this account removed upon completion.
Product: Credit card

Comerica Bank - XXXX XXXX XXXX, California issued me a credit card for a limit of up to XXXX without my permission. This has been going on for over a year now. I go into their bank and ask for them to cancel the card they say ok but never actually do it. I call the number on the statement and tell them what has happened and the operator puts me on hold and never comes back. I never asked for this card and have tried to get them to cancel it on four separate occasions. I am being forced to have an open account. I quit banking with them long ago because of their hard sales programs. My husband still banks there and my name is on his account, but that should not mean they have the right to force me to have a credit card with them. Help!! My cell it XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX  XXXX XXXX