23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

RE : CITIBANK On XX/XX/XXXX I opened up both a savings and checking account with a bonus, welcome rate amount of {$400.00} to be given after 90 days. I was very clear in writing all of the criteria down - that the account had to be maintained for 60 days and " welcome offer will be deposited within 90 days ''. I called today and was told by CSR XXXX that he was told by the marketing dept. that my credit would be given on XX/XX/XXXX, 90 days AFTER the 60 days, which is incorrect. I was very clear in what I wrote down and remember wanting to be sure I had the correct information. I then spoke to Manager XXXX and she said I made my deposit on XX/XX/XXXX, which did not sound accurate to me but I told her it would be checked. Not only do I have my banking log which shows both of my accounts were funded from my XXXX acct. on XX/XX/XXXX, I was enroute to XXXX XXXX XXXX on XX/XX/XXXX so that date is 100 % incorrect. She was quite rude to me and I requested a copy of the marketing information that shows " you must keep your acct. for 60 days and then you get your bonus in another 90 days '', that is ridiculous.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( 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

For months I have made the decision to work on my credit report since XX/XX/2020 I have been sending letters to the credit bureaus to eliminate accounts reported in an erroneous way and I have been ignored, my right to a fair credit has been XXXX. I have not received a single letter at my residence from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a XXXX party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to 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. 

Please delete these accounts from my credit report. 

XXXX. Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX  Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX # XXXX Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed a few things that were inaccurate. I did dispute the information and only to be hit with 4 new medical collections. I was never informed from anyone that I owed any type of balance or I would have made sure to get the bills paid. It wasn't until I saw my report that I was made aware. I did contact the company and paid the right away. I was told verbally they would remove it especially since I didn't even know about them. The accounts are from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

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

I disputed a bankruptcy that LexisNexis has listed on my consumer report and they are continuously reporting to the credit bureaus. On XX/XX/2021, I received a letter from LexisNexis stating the LexisNexis investigated and verified that the information was accurate and true. The letter from LexisNexis goes on to inform me that under the Fair Credit Reporting Act ( FCRA ), I have the right to request a description of the procedure used to determine the accuracy and completeness of the disputed information. On XX/XX/2021, I sent a letter certified mail to ensure deliverability requesting LexisNexis provide me their investigative procedure ( Method of Verification ). On XX/XX/2021, at XXXX XXXX. the letter was delivered and the fifteen ( 15 ) days to complete re-investigation and response with the Method of Verification began. As of XX/XX/2021, the 15-day grace period given to respond to my request expired without a response to my request. On XX/XX/2021, I contacted Lexis Nexis via telephone at XXXX and the service rep placed me on hold, and I stayed on hold until the phone hung up. LexisNexis has failed to provide me with the information they informed me I was entitled to under the Fair Credit Reporting Act. Therefore, I would like LexisNexis to delete the unverified item from my consumer report and refrain from continually reporting the unverified information to the credit bureaus.
Product: Checking or savings account

I possess a XXXX XXXX account along with an associated ATM card. Unfortunately, the card expired in 2021, and I never completed the registration process for online access. It wouldn't go through. Additionally, I have permanently relocated from the U.S. 

My primary aim is to restore access to my savings account. Despite multiple attempts, my calls to customer service have resulted in receiving a singular instruction : to correspond via mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Regrettably, my written inquiries have gone unanswered for several months. 

I am earnestly seeking direct contact with specific personnel who can assist me in reestablishing access to my account. Rather than continuing to send letters with no response, I am hopeful that a more direct connection can be facilitated. 

Your assistance in this matter would be greatly appreciated. Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX AccounXXXX XXXX XXXX XXXX has violated my rights. 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
Product: Debt collection

TO : Experian XXXX : CFPB & FCRA & SCRA RE : Not my address reported by EXPERIAN. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I do not acknowledge this address or debt of inaccurate information on the alleged address. I do not recognize. This information or alleged account is reporting on my credit report. 

I do not recognize the address. 
I have never lived at this address. 
I do not recognize any account related to this address. 

Every that they have reported does not meet the FCRA. I AM EMPLASIZING on 100 % MAXINUM POSSIBLE ACCURACY. 

I am giving you 30 days to verify the 100 % accuracy and validate this alleged information that is false and is negative on my credit report. 

Per the authority of the following Federal and State Laws-Requirements I request the following. 

15 USC 1692 G CFPB 15 USC 1681 2 FCRA 15 USC 1681 I 15 USC 1692 b 15 USC 1681 ( 5 ) 15 USC 1681 e 15 USC 1681 i ( 5 ) 15 USC 1681 B 15 USC 1666 b 15 USC 1692 i I am asserting my right/s under Federal and State FCRA that collection and reporting practices act. 
And including those rights because I have disputed this debt in writing within 30 days of receipt of your Initial notice. 

If you fail to provide verification of the items above, these items must be deleted. Failing to report Information correctly violates the fair credit reporting act. 

XXXX XXXX XXXX
Product: Debt collection

The alleged debts in question are more than 7 years old but are still being reported to the three major credit bureaus by Portfolio Recovery Associates, LLC and are still attempting to collect the alleged debt.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} UNAUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  of   XXXX   i had contacted equifax about inquiries that was on my credit report. I do not have any knowledge of these inquiries. Equifax told me that there was nothing they could do and these inquiries will be taken off in 2 years. I have been trying to get these inquiries resolved with them and the company 's with no luck. These inquiries are not authorized by me and should not be there. This is damaging my credit. Please help to resolve and delete all non-account holding inquiries. Thank you.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

DIVERSIFIED CONSULTANTS in XXXX, FL contacted me about {$58.00}. XXXX could not prove that I was informed of a {$100.00} early cancel fee. XXXX kept {$42.00} overpayment on the account then DIVERSIFIED CONSULTANTS accepted my {$58.00} payment to them based on an understanding that it was never proven that the money was owed. I am trying to purchase a home and my credit score has gone from the 800 's to the 600 's and I have already paid now {$100.00} I never agreed to. I am being held XXXX when I tried for months to have anyone provide a shread of evidence that the {$58.00} was owing. If there was evidence I would have paid it in the first place. The order was placed by phone and early cancel fee not disclosed. DIVERSIFIED CONSULTANTS needed to provide evidence. This is a bad faith action and a violation of the Fair Debt Collection Practices Act. This is a fraudulent collection of a debt which makes DIVERSIFIED CONSULTANTS liable for damages, attorney fees, and court costs. The {$58.00} was paid in XX/XX/XXXX and I discovered it has not been removed from my credit report XX/XX/XXXX when I started the loan process. I can not afford a higher interest rate of thousands of dollars because of paying {$58.00} I did not owe. On XX/XX/XXXX I sent a certified letter asking for a refund and that DIVERSIFIED CONSULTANTS remove this fraudulent collection of a debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a letter from my previous mortgage company that my social security number, name and other information was stolen. I received the letter in the mail today, dated XX/XX/XXXX, XXXX they informed me that my information was stolen. last year around XX/XX/2021, i filed a police report and id theft report because i was afraid of something like this. I sent out ftc reports and a police report to the XXXX credit bureaus asking them to remove certain accounts from my credit reports, including XXXX, XXXX XXXX XXXX XXXX XXXX, bank XXXX XXXX XXXX XXXX XXXX XXXX. the credit bureaus are allowing these accounts to pop back up on my report. i already told them i was the victim of fraud and id theft and i expected them to remove the files and block them from coming back on there but that is not the case. recently, i noticed someone tried to apply for a mortgage in my name through XXXX. XXXX said i have a fraud alert but that is not helpful. i am supposed to have one for XXXX but that does not seem to be the case because someone keeps accessing my credit files even with fraud alerts and none of them are not working so well. i called XXXX today about this, they transferred me to so many different people. the person who is supposed to handle my case never called me back. I left him a voice mail and he never returned my calls which is sad. equifax did not do anything at all for me to remove any accounts i requested.
Product: Debt collection

I received a letter from Certegy Payment Solutions , LLC ( XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX ) in early XXXX, stating that their records indicate I authorized an electronic funds transfer at a XXXX XXXX in the sum of {$290.00} and that my financial institution wouldn't process the transaction and to call them to get it sorted and pay the {$290.00}. 

This seemed like a phishing attempt to me because : XXXX. I've never shopped at XXXX XXXX. 
XXXX. The check number that's supposedly mine that they listed on the letter is a check number much higher than I've ever had printed. 
XXXX. They don't have correct information about my name. 
XXXX. The place on the letter where they are to list my bank institution is blank. 
XXXX. They claim the check was written at the XXXX XXXX on XX/XX/XXXX and I was out of town then. 

It felt so strongly like a scam that I ignored the letter. It's been less than a month since I received it. But I've just now opened the mail and found a letter from XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX ) stating they are a debt collector and trying to collect a debt I owe to Certegy Payment Solutions , LLC. 

I'm not sure what to do next. I haven't contacted either Certegy or XXXX because I don't want them to have my phone number or any other information about me. I wouldn't even know who to contact first. Can you please let me know what to do in this situation?
Product: Debt collection

I received e-mail notices from various credit bureaus that my mortgage was late/delinquent. 

I attempted to log into XXXX  and the system would not allow me to log in. I followed the options to : 1 ) Forgot username, and input my loan number and last 4 digits of SSN, 2 ) Picked forgot password to try to reset my password, and 3 ) attempted to create a new account. All three options failed - XXXX  system would not notify or e-mail me any details about my loan. 

During a call today, XX/XX/12, at around XXXX eastern, I spoke to XXXX XXXX XXXX basically accused me for not having my " profile '' set up correctly with XXXX. XXXX said that I must have XXXX not send me emails about anything. I explained to XXXX that I felt she was accusatory - the issue is I could not access my loan details online. Even after obtaining access to my account, I followed the system 's " Forgot User ID '' prompts and XXXX still does not e-mail you. I tried to explain to XXXX that I believe this is an IT issue on their end that needs to be fixed. XXXX promptly hung up on me when I asked to be escalated to her supervisor. 

Due to my travel status and different time zone, I was unable to call XXXX during their normal business hours. 

XXXX has reported my loan as delinquent. I was on travel for 4 weeks. While I made an error with my bank account as it skipped the XXXX payment and I accept that issue. However, for XXXX to block the account without any communication, and claiming that my account was not blocked initially XXXX XXXX later relented and said she unblocked my account ). 

So I was forced not to pay my bill via XXXX  while I was on travel - I had to do it with my bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported my credit card account as XXXX  days delinquent for XXXX. The XXXX XXXX was due on XX/XX/2023, and the payment was made on XX/XX/2023, which makes the credit card account XXXX days past due for XXXX and not XXXX  days delinquent. By Federal law, a late payment can only be reported to the credit reporting bureaus once it is XXXX  days past due. 

Section 623 of the FCRA and Regulation V generally provides that a furnisher must not give inaccurate consumer information to a credit reporting agency.

Also, under the FCRA - 623. [ 15 U.S.C. 1681s ] ( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate I have attached the following : -The XXXX statement for XXXX XXXX shows a payment of {$310.00} made on XX/XX/2023 and a new due date of XX/XX/2023 after the XXXX payment was applied. 

-My Bank Statement shows the {$310.00} payment coming from my checking account. 

-My Credit report shows the XXXX XXXX XXXX payment reported as XXXX  days delinquent. 

Please remove the late payment from my credit bureau reports. I have excellent credit and have never had a late payment reported to the credit bureaus because I try my best to pay my bills on time. This late payment is inaccurate and negatively affecting my credit profile. I have enjoyed doing business with XXXX XXXX, and I look forward to having this issue corrected and continuing to do business with XXXX XXXX in the future.
Product: Checking or savings account

I miss sent money to wrong person and when I tried get back they told me that it was out they control
Product: Checking or savings account

It was on a couple of different occasions that my account become overdraft even tho I had the money in the account to cover that transaction that were made
Product: Debt collection

One of XXXX XXXX XXXX credit card debt collectors keeps calling me after i told them like 2 or 3 times to stop calling me. I even told them that its harrassment to continue calling me. I disputed back around XX/XX/XXXX because i didn't authorize it and someone took it out in my name without me knowing about it. It was approximately taken out in my name around XX/XX/XXXX i think guessing and its over 10 years old the debt. I told them i ain't paying it either and they can't go after me since its over 7 years old. I would like them to stop calling me repeatedly harrassing me for the {$900.00} something debt owed since its been disputed and its over 10 years old. Im not going to pay them because i didn't authorize it. I want to be left alone and not contacted again by them.
Product: Mortgage

I did a loan with rocket mortgage on a VA loan they took and it was only supposed to be lot number XXXX only for my house sets on they attached three other lots without me knowing it and they had on the paperwork signature not required and never showed me that they put those other three lots on there I sat there and talked to him and told him that and they said they can do it and there ain't nothing I can do I asked to speak to her upper supervisor she says she don't have one and whatever she says is what's told so I went through the process of trying to get the other three lots released because I sold one not knowing that they even had a lien on it and I don't did everything that they told me to now the one I sold they want me to take and get a survey on which the people is not going to let me on their property to do it and I explain that to him and they said that if I don't that they can foreclose on my loan as a default and they will request the whole amount paid in full at this time I try to talk to him and they would not take and talk to me anymore they just keep threatening me about foreclosure and the individuals where I said we were talking cuz they supposed to be recording all this and when I did the first recording of getting the loan all of a sudden all the cordon 's are gone except for what they got to go against me I don't feel that this is right they were deceitful and they're very nasty and threatening I am a XXXX XXXX XXXX XXXX percent XXXX veteran and it's really driving me I can't stop thinking about it I haven't slept I don't think this is right and I don't think they should do a veteran like this when they were very deceitful in the beginning and not done what was told and then they took and hid the paperwork which we didn't know never received a copy of it and they did not show me any type of what the the property 's worth my house is valued over XXXX and the loans only XXXX I am so scared that they're going to try to take him foreclosed on my house which they have took and told me that and I guess the only thing I can do is go to somebody else and pay her higher mortgage rate which I shouldn't have to it was there deceitfulness in the first place. please give me a help thank you
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and outrage regarding the presence of fraudulent accounts on my credit report, as reported by your bureau. The accounts are blatantly fraudulent and have been acknowledged as such by the associated banks, which have already taken steps to remove them from their records. 

Despite my repeated efforts and sending the required FTC report to have these fraudulent accounts removed from my credit report, your bureau has failed to take action. This is unacceptable and has had a detrimental impact on my credit score and financial standing. 
It is important to note that the other major credit bureaus, namely XXXX and XXXX, have promptly removed these fraudulent accounts from their records after verifying its fraudulent nature. The fact that your bureau has not followed suit is deeply concerning and reflects poorly on your commitment to fair and accurate reporting. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was with chime for a very long time tge froze my account saying suspicious activity, I sent them all the documentation they had asked for and they keep asking for more. I have asked them to close the account and return my money and they will not do it. It has been almost a month and they have my XXXX and something dollars tied up and wont release it to me.