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

In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XX/XX/XXXX.My account was close in XX/XX/XXXX.I received a letter from XXXX dated XX/XX/XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.Please see all attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Citi Bank Costco Card XXXX on my Credit Report that does not belong to me. I have been working on this since XX/XX/XXXX. I did receive a letter dated XX/XX/XXXX that this card would be removed from my Credit Report. I check XXXX Report on XX/XX/XXXX and it is still on my Credit Report. Please can some one help me this is keeping me from doing a Refinance on my Mortgage. Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I noticed that there are some inaccurate accounts that are reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I also have no idea who would have access to my credit report. Now because of this, I have no chance of acquiring new credit. Please conduct a re-investigation into this matter and have those derogatory accounts removed from my credit file.
Product: Credit reporting

My XXXX previous disputes as TransUnion has considered All of them as frivolous, even with documented proof of Idenity and noterized documents with certified Letters. To this date TransUnion have not provided me with a written Letter of proof that All reported information is actually mine, instead TransUnion is relying on a third party for second hand information, never producing written proof of any signed documents with my signature on it with in a 30 day period as stated by Law ( The Fair Credit Reporting Act, ) but refuses to Totally Delete All Unverified Credit information that is not mine. TransUnion isi llegal and fraudulant reporting practices is severly crippling and hurting my ability to obtain credit with potential creditors to purchase a car or house for my family. This is disgusting and totally unacceptable.
Product: Credit card

Account closed with out my knolage or permission. after talking to three customer service reps, two fraud agents, and then customer servixe. They where unable to help my with the information or access on my account.
Product: Credit reporting or other personal consumer reports

REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX UPDATE PERSONAL INFORMATION Also please update the following information which I saw your credit bureau to be missing or incomplete : 1. Personal current address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX 2. My proper full Name : XXXX XXXX 3. My date of birth : XXXXXX/XX/year>
Product: Debt collection

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law.  Credit Clearing House  has been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update the status of account to paid in full. payment in full was received by XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$9400.00}. This information must be shared with XXXX, XXXX, and XXXX. 

Background. 

On XX/XX/XXXX Barclays Bank Delaware charged off account number ( 'The account ' ) with a balance of {$9400.00}. 
The account was subsequently sold to XXXX XXXX XXXX ( 'XXXX ' ). XXXX contacted me, XXXX XXXX ( 'The account holder ' ). 

The charge off was reported on the account holders credit reports - with trade lines from barclays bank stating a charge off, and XXXX stating an open collection account. 

On XX/XX/XXXX XXXX received payment in full from the account holder via electronic payment, the amount was {$9400.00}. XXXX confirmed receipt on the phone ( XX/XX/XXXX ) and assured the account holder that Barclays Bank Delaware would be informed. On XX/XX/XXXX XXXX issued a letter to the account holder confirming receipt of payment and a XXXX balance for the account holder. 

Starting on XX/XX/XXXX the account holder has called Barclays Bank Delaware several times to request that the account holders credit report be updated to reflect the paid status of the charge off. 

During the months of XXXX and XXXX the account holder filed a dispute with XXXX regarding the status of the account. XXXX contacted Barclays Bank Delaware and confirmed that the even though the customer disagrees with the account status Barclays Bank of Delaware reaffirms its unpaid status. 

On XX/XX/XXXX Barclays Bank Delaware received the request to update the account holders credit report to Paid in Full via certified mail the request contained the Paid in Full letter from XXXX including the account number and all relevant information. 
The following week ( week of XX/XX/XXXX ) the account holder called Barclays Bank Delaware and was told by Barclays Bank Delaware that the documentation was not received. 

On XX/XX/XXXX the account holder contacted XXXX Bank Delaware via phone and was connected with the XXXX department. A representative from the XXXX XXXX stated that documentation had not been received and it should be faxed to the XXXX group at XXXX. The representative also stated that the process to complete this request would take 2 business days. 

Later that same day on XX/XX/XXXX the account holder faxed the proof of payment of the full account balance, documentation which was sent to him by XXXX, receipts of the certified mail previously sent and attachments, and a request to amend the account holders account status to Paid in Full with the credit reporting Bureaus. 

On XX/XX/XXXX Barclays Bank confirmed receipt of the documentation via telephone. 

On XX/XX/XXXX the account holder called Barclays Bank Delaware and was told that 1. His request is being reviewed 2. That his request had been sent to the FCRAthe FCRA is not an actual organization it is an Act of the United States Congress. 

Fed up with the lack of progress the account holder has decided to file a formal complaint with CFPB.
Product: Credit reporting or other personal consumer reports

Inquires were acknowledged but not by me. I have no acknowledgment of these.
Product: Debt collection

I'm not sure I picked the right boxes. Colonial Auto finance hit the 7 year window on XX/XX/XXXX and I contacted XXXX to have it removed from my report since it was now over XXXX XXXX XXXX and experienced contacted them and they said it stays. But based off the FCRA it falls off after 7 years. This one has plagued me ( got a car in my name for a friend back before I knew better ) and I really want it gone and since it's been 7 years I tried to have it removed but nothing changed. As you can see the date was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA taking longer than XXXX days to complete dispute. They are not in compliance with the FCRA & FCBA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax enclosed are documents that XXXX is false and misleading you in a fraudulent account against me there real name is XXXX and I disputed this a few years back and { you removed it from my credit report } 15U.S.1692e this is why they refuse to disclose any documentation, not even XXXX of Texas nor the alleged hospital enclosed CFPB documents showing my case. All three have been contacted through the CFPB and not one will show documents as evidence JUST like a few years back there is no documents proof of service nothing. I know you state that it is not reporting but it shows on XXXX XXXX your site if it's removed then this is for your information of there fraud, if it's still on my report then please remove it as you did before, lack of evidence, No documentation, refusal of response to CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted disputes to Transunion with my identifiers for items on my credit report. I have not received responses. Around XX/XX/XXXX a submitted a complaint through this system for the same issue, XX/XX/XXXX Transunion claimed they would resend results from XX/XX/XXXX to me. I have yet to receive the response. A year later they are beyond violating the FCRA, this is malicious ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I previously completed paying the balance of a store credit card with forever 21/ Comenity Capital Bank and requested that the account be closed during the month of XXXX. 

This information did reflect on my credit report on XX/XX/2022 as it showed that the account had been closed with a XXXX $ balance due. 

However, my current credit report as of today, shows that this same account which Id already paid off and previously closed is delinquent. 

Ive called Comenity Capital Bank several times and have been told each time by representatives that the account would be closed yet when calling again to confirm this is so Im told there is still a balance and that I am required to make payment nexts month as well.
Product: Checking or savings account

Venmo froze and suspended my account when I attempted to do a standard bank transfer. I reached out to their customer service whom was of no help and then told me I would have to wait 10-15 business days for someone from another department to get back to me. This is not right as the money in my Venmo account I was supposed to have bought food with and instead have been starving myself.
Product: Debt collection

I contacted this company in writing on XX/XX/XXXX to validate this debt by providing evidence that this debt belongs to me. I requested a signed contractual agreement from this company showing that I agreed to pay them and instead they never responded but keep verifying the alleged debt with XXXX. Also, this alledged unknown debt has passed the Florida Statute Section 95.11 limitations to collect on an unknown debt. Based on my credit report, this debt was assigned back in XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX, several accounts/credit cards were opened using my information including XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX To XXXX XXXX, and XXXX XXXX I immediately disputed all accounts, which were all removed from my credit and I thought the issue was resolved. At that time I placed a fraud alert and activated protection. Fast forward to XX/XX/XXXX, I was applying for an auto loan and realized I had a charge off from XXXX  XXXX XXXX which I thought had been resolved in XXXX. I immediately went to the police and filed a report and have been going back and forth with experian and XXXX  XXXX XXXX to resolve this issue. I went to a XXXX  XXXX XXXX XXXX on XX/XX/XXXX and had them fax over my police report and all of my supporting documents that they requested and my dispute was still denied based on them claiming that they did not receive my supporting documents and also stated there was not sufficient evidence to support my claim. I have provided a police report, along with pictures of all the accounts that were opened at the exact same time of the XXXX  XXXX XXXX credit card, and pictures of all the disputes from the other accounts that I filed back in XXXX. Please may I have assistance with getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Equifax for reporting inaccurate information on the listed accounts below. For some reason, I realized that there were late payments on my credit report. The bank has made errors with the payment and processed inaccurately and agreed to fix the issue. However, the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EQUIFAX to correct the erroneous information on my report ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. This request is made pursuant to XXXX XXXX XXXX ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing in response to recent allegations of fraudulent accounts [ Wells Fargo and XXXX XXXX ]. After a thorough investigation, I can confirm that I have no knowledge or involvement in such activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX sent a letter to Equifax notifying them of two " unauthorized '' items reporting negatively on my credit report. Unfortunately, I have not received a response. As a result, on XX/XX/XXXX I followed the dispute request with an additional letter which listed several FCRA regulations which Equifax is in violation. The accounts in question are listed below : XXXX XXXX {$420.00} XXXX {$2100.00} Furthermore, during the time the alleged XXXX account was initiated and according to the 'opened ' date XX/XX/XXXX it would have been impossible for the account to have been opened by myself as I was a minor at the time. I 've attached my drivers license for verification of my age. Conclusively, I 'm not responsible for either account and as such have filed a report with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted transunion several times about not updating my student loans from deferred to non deferred. They tell me to contact lender I have se real times the last 4 months and le der says and has shown proof of notifying the change. Transunion pretty much calls me A liar and hangs up on me everytime. Half the time you cant understand the people. Why is our government allowing a company outside the united states to monitor Americans credit history?
Product: Credit reporting or other personal consumer reports

i have already disputed these items with the bureaus but they did not remove them nor prove validation. 

under sec. 602 i have a right to privacy XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report has an inquiry from Alliance Data on XX/XX/2018. 

I never applied for any services or credit with Alliance Data and as such Alliance Data is in violation of the FCRA.

Alliance Data had no permissible purposes to my credit report and can not provide any any document showing XXXX XXXX XXXX applied for any credit or service with Alliance Data.
Product: Credit reporting, credit repair services, or other personal consumer reports

About XXXX of XXXX  I was a victim of identity theft. My credit was damaged by false information submitted by the perpetrator of identity theft and accepted as true by Clarity Services, XXXX. XXXX XXXX, XXXX, FL XXXX. Clarity could easily have determined the information they reported was fraud and false but did not properly investigate and gave me a credit rating of XXXX when the other 3 consumer credit bureaus had my scores at XXXX and above. I don't understand why Clarity accepted the fraudulent information given to them by an identity thief using my name, address, phone number ( also gave a false phone number in a different zip code from my address ), email, and possibly social security number. I did a personal investigation and then turned the matter over to the XXXX XXXX, XXXX XXXX XXXX, which still has an ongoing investigation : Case # XXXX. 

There were other instances of fraud against me but my complaint here is against Clarity, who damaged my credit with XXXX, XXXX & XXXX XXXX XXXX. I was able through a lot of effort to recover my credit rating and then placed a freeze on my accounts. I have an account with CFPB that I submitted on behalf of my son 's credit ( XXXX XXXX ) on an entirely different matter. 

I am attaching documents in this matter which were prepared a little over a year ago and are part of a large file. In the interest of economy I am attaching selected documents which I believe are relevant. If needed, I can provide more information.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX I have spoken with loan mart many times. I got a {$3000.00} loan from them back in XXXX I paid {$480.00} a month for XXXX and they added more payments and now they are trying to say I owe them {$17000.00} when I paid it off after XXXX and every time I speak to them it just goes higher and the managers there are doing it on purpose just to screw me over more its weird and very unprofessional on their part. Seriously 26 months of payments for a {$3000.00} loan = {$12000.00} I paid for taking out a stupid {$3000.00} title loan and now they are asking and lying and ruining my credit by saying I owe them {$17000.00} this is not right and like I told them I paid it off months ago and they know I did If the credit breau agents did their jobs at XXXX they can clearly see all the payments I had made but instead I cant get a hold of them and they are no help. XXXX had removed it before and now they keep updating it so it can stay on my credit forever
Product: Mortgage

My mortgage was transferred from XXXX XXXX  to BOK XXXX with an effective date of XXXX. The letter received TODAY ( XXXX ) is dated XXXX. 

With the letter I found a form that I am required to sign about sharing my personal information to include to their affiliate for marketing purposes. I have attached the letter for your review. 

I do not authorize sharing my PII with anyone specially for marketing. XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

On XXXX XXXXXXXX XXXX, a {$2800.00} charge posted to my Citi XXXX XXXX credit card. 2 days later, I disputed this transaction. The merchant name in question is presented as " XXXX XXXXXXXX XXXX '' and the transaction was a Card Not Present - Keyed In transaction that took place in Florida. 

After answering a few questions, the rep on the line informed me that this transaction has been resolved as Fraud and they'd be providing my account with a Credit. I checked in on XXXX XXXX, XXXX to inquire about the investigation, and wasn't provided with any updates. When I reviewed my statement the next week, I called to inform Citi that the charge has not yet been credited, and that my credit card bill was still showing the full balance due. The rep told me not to worry and to ignore the amount on the statement ( " we'll net out the credit and only withdraw that amount '' ). Fast forward to XX/XX/year>, I received a letter dated XX/XX/year> stating the investigation is now closed, and due to not providing enough information, the dispute was not resolved in my favor. Furthermore, I see that they withdrew that FULL amount from my checking account, which was set up for XXXX. 

When trying to get this matter resolved on XXXX XXXX XXXX  with Citi customer service, I was not left assured this " investigation '' was being handled properly. For one, no one reached out to me after the dispute, I was always calling ahead and making sure everything was fine. At every step, they assured me that everything was fine, when in reality, it ultimately resulted in a negative outcome. Secondly, I am under the impression that Citi is deliberately skirting Regulation E by marking the investigation as closed so that the dispute count-down will reset. In any case, I do not think Citi 's internal human + technological systems are adequate for this day and age. Their systems are adversarial to the consumer, and I recommend the CFPB investigating Citi 's adherence to regulations, especially Regulation E, as well as adherence to basic technological standards that protects consumers from Fraud investigations.
Product: Credit card or prepaid card

On XX/XX/2022, A fraudulent inquiry was reported on my credit report. Someone is trying to apply for credit in my name.