23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I applied and received a personal loan from Citi Bank. During the online process to receive a discount on interest rate you had to sign up for automatic debits at that time. It was not an option to receive discount if signed up at later date. I called Citi on XX/XX/18 to change the due date to a few days later due to if the XXXX fell on a weekend or holiday they would take the funds out earlier. I only get paid twice a month on the XXXX and last day of month so if the funds are drawn earlier than XXXX could potentially cause account to overdraw. For the change of due date I was advised that was not possible. The only option is to take advantage of the 10 day grace period, but I would have to cancel the auto debit and would lose the interest rate deduction given for auto debits. I think it is unfair to take the funds out prior to the due date. They have a grace period on the account and should take the funds out on or after the due date not prior. 

The second issue is that I have not received an email from the company since I was approved and wanted to know how to view my loan information online. I was advised the only way to view personal loans online is to attach it to your debit card. I do not have a Citi Checking account so that is not an option. Citi Bank is segregating customers and not providing the same access to their loan information unless that person also has a checking account with them. I have credit cards with them and was advised that only can access my personal loan information online with a checking account debit card. That is unfair as I should be able to view my information online and keep track of my information. Also, by not allowing me to view my information online if prevents me from making online payments to try and pay off my loan faster to avoid some of the finance charges.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have a Fruad account and inquiries on my credit report. 

Account XXXX. XXXX {$2400.00} Inquiries XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX
Product: Mortgage

I filed for a Chapter XXXX bankruptcy on XXXX/XXXX/16. I am looking to keep my home and have been waiting for US Bank ( my mortgagor ) to send me an re-affirmation letter for the loan. I have waited for this letter to no avail. On XXXX/XXXX/16, I went to bankruptcy court and emailed my MAP representative, XXXX XXXX and asked that I re-affirmation letter be sent to me She has never responded to my email and returned my phone calls a week after and she tells me that I have to get my attorney to type it up, have me sign it and submit to US Bank. I called US Bank today and was told by the bankruptcy department that there is no guarantee that they will send a letter and even if I request XXXX it will take XXXX6 weeks to send out a reaffirmation letter and if my bankruptcy discharges before I get it, my attorney would have to file a motion to reopen it. I asked that the call be escalated and speak with a Supervisor, I was asked why did I need a Supervisor and it is stupid to ask for a Supervisor and even stupider to want the call the escalated and stuck me on hold for seven minutes and then hung up on me. 

Does it really take XXXX6 weeks to send XXXX sheet of paper when the all the information is already received? The rude behavior of US Bank 's staff is atrocious and needs to be rectified. I do n't have the extra money to pay my attorney to reopen my should my bankruptcy discharge without my loan being reaffirmed and I lose my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have never encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security had already been filed. Please delete these unknown items from my report. 

XXXX  XXXX  XXXX {$3000.00} XXXX XXXX {$560.00} XXXX   XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX   XXXX {$520.00} XXXX  XXXX {$120.00} XXXX  XXXX {$82.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX   XXXX {$310.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} US DEPT VETS XXXX {$0.00} XXXX XXXX {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 1 late payment in XXXX of XXXX. The account is closed and paid in full as of XXXX XXXX. I have asked XXXX XXXX to remove from credit report and account was removed from XXXX and XXXX  ; however Experian will not remove this account.
Product: Debt collection

I have paid all the amount i have received a document saying my debt was cleared they did a wage garnishment again on my bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently disputing a fraud item from XXXX which took place in XXXX, however recently XXXX placed a hard inquiry on my credit reports without reason.
Product: Debt collection

I recently saw on my credit report that I owe Pendrick Capital Partners LLC {$1200.00} for medical bills. However I received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX saying I owe {$1200.00} to Pendick Capital Partners LLC. I did an investigation and found out that the original creditor is XXXX XXXX XXXX XXXX which is Located in XXXX XXXX, Louisiana. The letter also states that the date I use the facility was XX/XX/XXXX. I have n't been to that facility and I had a full coverage insurance because of my XXXX that 's from XXXX. Also to add I was receiving calls from one of those company and I did explain to them that I did n't owe any money to them and if I do they should send it to my insurance company but they wanted me to do a payment plan and pay out of pocket.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX XXXX, XXXX, I wrote this company a letter to dispute certain incorrect information being reported, particularly public records. Clearly, the status of these public records is incorrect. I have verified with the courts that the liens have been withdrawn last XXXX XXXX and dismissal of the bankruptcy reported was last XXXX XXXX, Attached to this complaint is a copy of the letter I sent this company and the new letter I am sending this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Complaint, Credit Report Complainant : XXXX XXXX, Consumer Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone No : ( XXXX ) XXXX Agency : XXXX and Experian Report Date : XX/XX/2018 Collector : XXXX Address : XXXX XXXX XXXX XXXX, IN XXXX Phone No. 
( XXXX ) XXXX Creditor : XXXX XXXX, Dept. of Education Account XXXX. : XXXX and XXXX This complaint is about the account above and the reporting of the collector, XXXX XXXX. I am XXXX XXXX, the debtor and Complainant in this complaint. Despite the regulations XXXX is obligated to abide by and my own conversations with XXXX regarding their reporting, all attempts to rectify the situation have been unsuccessful. This has made it necessary for me to file this complaint. 

The basis of my complaint is simple. I have submitted an Application for Discharge and Forgiveness based on my XXXX to the U.S. Department of Education, the creditor, along with XXXX XXXX, on this account. According to the rules stated by the Department of Education, third parties are to discontinue all collection efforts while the application is being considered. This includes negative reporting on all credit reports. 

Despite this XXXX XXXX continues to report this as a seriously past due collection account on all three reporting agencies. During my last conversation with XXXX their representative led me believe that the derogatory reporting had ended. The conversation was odd in that the agent began to argue with me then told me that the accounts were being reported as current. Based on the response I received when I asked for confirmation of this, I believe the XXXX   representative was being intentionally vague and deceitful. 

A review of my credit report shows that XXXX XXXX, the owner of my account, is reporting these accounts as Paid as Agreed with no negative comments. The XXXX XXXX account numbers are Identical to the XXXX XXXX account numbers. XXXX XXXX is reporting these under open accounts, not as derogatory accounts, as XXXX is reporting. I have done a bit of research on XXXX XXXX and it appears that they have a history of bad faith dealings with their account holders. 

I appreciate any help I can get with this problem. 

I am attaching to this complaint the pertinent documentation, which includes XXXX 2018 reports from XXXX and Experian and my Application for Discharge and Forgiveness, my own cover letter to the application and the Email confirming the Dept. of Educations receipt of the application including the date submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to Equifax and XXXX  that I have been a possible victim of Identity thief. I have recently pulled a copy of my credit report and notice multiple unauthorized inquiries on my report. I have contacted Equifax and XXXX  notifying the private company of the unauthorized inquiries. The company responded with inquiries are factual which is not true. I have asked Equifax to produce documents of such proof of inquiries in which the Company has not responded with such proof. I am demanding that Equifax remove the unauthorized inquiries from my credit report immediately.
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 Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/year> 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furn ish any information relating to a consumer to any con
sumer 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

On XX/XX/XXXX at XXXX XXXX I called XXXX XXXX at XXXX XXXX XXXX and spoke to XXXX EXT : XXXX to inquire about the late payments that occurred on my account after the account was closed. XXXX Advised that she could not see any of the late payments that have been posted onto my account. Upon doing an annual credit check I noticed that I had 2 late payments for the months of XX/XX/XXXX and XX/XX/XXXX. My account was closed in XX/XX/XXXX due to a motor vehicle accident that left my vehicle totaled and my account was closed in XX/XX/XXXX. I wrote the company to dispute the 2 late payments that had been put on my account after my account had been closed and instead on XX/XX/XXXX they posted another late payment to my account for the month of XX/XX/XXXX, 8 months after the alleged late fee occurred which caused my credit score to plummet almost XXXX points. Further more the name is reported inaccurately on this account.
Product: Credit reporting or other personal consumer reports

FCRA 605B appears to necessitate removing any incorrect accounts from my credit report. Can you look over the documents? Several accounts have inaccuracies in the reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX  XXXX ( XXXX ) which I pay for services monthly. I tried twice to report my new address but it is saying technical difficulties. I did report change of address to all three credit companies. My report is showing my old address as a current and past address.
Product: Checking or savings account

So I provided a service to aClient? and the client complaint not to me to the bank of Zelle and Zelle put in a report to my original bank, which is XXXX  XXXX XXXX to refund my money and close my account for fraud. XXXX never fraud a person a day in my life, they never called me to contact me to let me know of any such thing or that this was even going on. I didnt know about the dispute. I didnt know about them taking my money I didnt know about my account being closed until I decided to use my account and had to go through all these steps and still got my account closed and I tried to open up another account with a different bank and they told me I am unable to open it up for this one incident and I lost money in the process because they froze my account and still to this moment havent asked me what happened, and I had all the proof to give them
Product: Credit card

My XXXX check was stolen from my account that Bank of America deposited the funds into their bank. As soon as the funds were deposited, they were withdrawn. I sent Bank of America a copy of my drivers license. To show whoever stole my funds from my Bank of America debit card wasnt me. This is the second time that this has happened. It seems like Retaliation I used to work for Bank of America and they fired me have a XXXX. So I filed a complaint against them. And this is the second time they start taking my money from my account. Last time it took XXXX months for them to refund my money.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in removal of the erroneous information which is being posted to my report. 

Here is the list of inquiries that do not belong to me or were opened without my permission. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XX/XX/XXXX - Opened high yield savings account, initial deposit {$XXXX} XX/XX/XXXX - transferred an additional {$XXXX} XX/XX/XXXX - notified by customer service the account was permanently closed ; would by notified in writing as to the reason; was locked out of access to our credit card and online account; was told to contact the Fraud Dept for more information XX/XX/XXXX - contacted the Fraud Dept as instructed ; no additional information was provided as to reason for closure ; was told we could go to a branch and receive our funds. Closest branch was in XXXX, XXXX. We live north of XXXX, XXXX  and just happened to be on our way to XXXX. Arrived at a corporate office location that had a banking facility inside. Met with a banking agent who contacted the Fraud Dept, after verifying our identity and account information was told we could get the initial deposit back but the second deposit would have to be a check issued by corporate. The bank agent assured us she would follow up to see when the check would be issued. 
XX/XX/XXXX- emailed the bank agent to follow up. Were notified that the account closure would take 30-60 days and we would receive a check at that time. 
XX/XX/XXXX- received a letter from Citibank notifying of the automatic account closure and the reason listed was that we violated the terms of our account per the client manual. No details provided about the violation. Contacted the Fraud Dept again as instructed in the letter as we were looking for confirmation of the funds still being available and ours and if we could escalate the funds return request. The agent initiated a priority call back from a supervisor within 24 hours, which never happened. 
XX/XX/XXXX - called the Fraud Dept again to follow up with the escalation process. There was a review of the account with the customer service agent and again informed they could not disclose the reason for the automatic closure. Suggested going to a Citibank branch to request our funds to be returned ; however, it would be up to the branch manager because the account was in the closure process and could still take XXXX days. Was told there was no escalation process to further inquire about getting our money back sooner.
Product: Money transfer, virtual currency, or money service

I have a XXXX XXXX available for the claimant of the information the I paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit bureaus are reporting a medical claim from XXXX XXXX XXXX XXXX that is being falsely reported by a third party. Please see the attached communication form XXXX XXXX XXXX XXXXXXXX XXXX  Legal Clerk, XXXX XXXX addressing the fraudulent reporting of this matter by Equifax, XXXX and XXXX. 
I believe these three companies have targeted me as an XXXX XXXX in attempt to harm individuals such as myself by allowing such false information to be reported to cause financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union is reporting erroneously on my credit report. I recently took a look at my credit and noticed that the two accounts I have with them are appearing as closed accounts. I was very confused, as I never closed these accounts and no one told me that they would close my account. I continue to make payments on this account, and this has been open for years. If these accounts close, they were done so erroneously and I ask that they please bring them back into open status and current status as I ask that they remove the XX/XX/21 late. I have been a long time customer and I ask that they please fix the mistakes on my credit.
Product: Credit card or prepaid card

Tried to cancel card and refund annual fee. Barclays insisted that I needed to pay the annual fee in full, and would incur interest if the fee was not paid in full. 

Barclays should have refunded the annual fee and XXXX  out the account. It seems to be a system issue, and one that is unfair to the consumer.
Product: Credit reporting or other personal consumer reports

Ive pulled my credit report on both your websites, XXXX, XXXX and XXXX have found some inaccurate information that requires removal. 

XXXX # XXXX is reporting on XXXX credit report 60 days late for XX/XX/2022, XX/XX/2022 and XX/XX/2022. For XXXX and Experian, it is reporting 30 days late for XX/XX/2022, XX/XX/2022 and XX/XX/2022.
Product: Credit card or prepaid card

See Letter, and I would also like for CFPB to assist in communicating to all relevant departments, Customer Service, Fraud, and Bank Card Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new car and home. 

These are the accounts and their account numbers : 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 Account number- XXXX Please remove it from my credit report. 

Account name- XXXX XXXX XXXX XXXX  Account numberXXXX XXXX Please remove it from my credit report. 

Account name- XXXX XXXX XXXX Account number- XXXX Please remove it from my credit report. 

LAWS NOT FOLLOWED- 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting companies are not properly investigating rather they keep just replying with the same prepared response
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I have been disputing inaccurate information with Experian, XXXX and XXXX on the following accounts with the following details : XXXX XXXX XXXX High balance Date of last activity Date opened Date of last payment Closed date XXXX XXXX XXXX High balance Date opened Date of last payment Closed date Date of last activity XXXX XXXX. XXXX Date opened High balance Date of last payment Date of last activity Closed date All three bureaus claimed they verified the information is accurate, but one look at my attached credit report shows several inaccuracies regarding these items still exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Radius Gobal Soulution. XX/XX/XXXX amount {$1800.00}. This account dont not belong to me nor have not consent for this to get my information at all XXXX XXXX XXXX. XX/XX/XXXX amount {$150.00} and XXXX. This account is old should have not be on my report I was told from the rep they will remove it from all 3 credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my consumer report from Equifax on XX/XX/2022. I noticed that Equifax has no regard for the FCRA and has without my written instructions or permission reported private transactions I had with other corporations that Congress stated shall NOT be displayed. My right to privacy has been violated. Also, Equifax has furnished a deceptive form ( Consumer Report ) and misrepresentation of what a consumer report is for financial gain. Congress states A consumer report does NOT include a report containing information on a transaction or any experiences between me ( consumer ) and the company making the report to you, collects of charge off. Equifax, furnished everything on my report a the law say you cant. They have gone beyond its corporate powers of what the FCRA allows. ( Ultra Vires Act )
Product: Credit reporting or other personal consumer reports

I have never done business with these companies, these are all fraudulent