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

Conn Credit Corp. is reporting inaccurate information on my credit via XXXX  and XXXX. Conns basically is re-aging the account when the original reported date of chaarge-off was in XXXX. They have since, began reporting on closed account on XX/XX/XXXX. Which is illegal. Please assist me, the company has not been very responsive. XXXX is no longer reporting this older account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX received an notification from XXXX that my credit decreased XXXX points due to an collection account that I have No knowledge of on XX/XX/2023, no one havent contacted me about this unknown collection balance for {$950.00}. XXXX XXXX XXXX XXXX XXXX # XXXX I then ask the credit Bureau for a verification for the collection so they did and stated everything was accurate. I did a review on the report and theres no information was shown that the debt belongs to me. I asked for verification such as Address, phone number, contact agreement, signature and witnesses for confirmation. This collection is forcing a debt on my credit report that is impacting my score tremendously and is unfair. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 secion 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to incorrectly report to the 3 credit bureaus & has done so since 2017 causing me personal damages in EMPLOYMENT< INSURANCE< CREDIT RECOVERY : They report the debt is : CHARGED OFF & PAST DUE & HAS A CURRENT OUTSTANDING BALANCE of {$2100.00} all on the same credit line! 
If the debt was INFACT charged off as they report then there IS NO OUTSTANDING BALANCE because the charge off of the debt on the books was taken as a loss on their financial reporting therefore the report it is OWED & OUTSTANDING is in fact FALSE! 
Additionally the debt was turned over to XXXX XXXX XXXX to settle & pay on my behalf according to them XXXX XXXX turned this debt over to XXXX XXXX collections agency and the payments for the settled amount were made directly to XXXX XXXX as direct by XXXX XXXX! 
So XXXX XXXX is also incorrectly reporting that it was CHARGED OFF instead of SETTLED + PAST DUE instead of Sent to COLLECTIONS + currently has an OUTSTANDING BALANCE DUE instead of CHARGED OFF!
Product: Credit reporting or other personal consumer reports

To whom it may concern, Im writing you to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Credit Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft 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 not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of 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 have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit card

The issue is causing me significant distress and XXXX  to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Product: Credit card or prepaid card

I have been attempting to obtain a Chime Credit Builder account with Chime Bank since XX/XX/XXXX when I received an email around roughly XX/XX/XXXX. The application claimed that Chime Bank couldn't verify my identity. This was lim my because I put in the wrong address. I qualified per their terms for this service since I had a {$200.00} direct deposit over the past 12 months at that time. I currently have my SSI payment for {$790.00} being direct deposited to be my Chime Bank checking account. I have received it in my Chime Back checking account for the past 3 or more months. I made an error on my application in my email for the Chime Credit XXXX  card and the application had an error and timed out. I have asked them since XX/XX/XXXX and most recently XX/XX/XXXX to let me re-apply or send me a new application. Their customer service team just keeps saying they'll escalate the situation to the right department and it will take 24-48 hrs to receive a response. I usually spend 1-2 hours on hold or being argued with over something this simple. Just give me a new application. I usually get a response within 20 mins stating they have no way to offer me another application. This is not only unprofessional it's false advertising a product since I qualify for it and they won't give it to me or at least a chance to apply for the service. They've been arguing for about two years about this with me and have never offered a re-application process or what happen with my original application in writing.
Product: Debt collection

Told them my personal information was accessed though XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX which were all breached!
Product: Debt collection

On numerous occasions, beginning on XX/XX/2017, FBCS , Inc. ( located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ) and their client XXXX XXXX XXXX XXXX XXXX XXXX ( located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MO XXXX ) contacted me regarding their collection of XXXX account XXXX debt of {$10000.00}. A phone representative of FBCS Inc. has been calling my home phone repeatedly, as well. When my wife answered and asked for debt validation to be mailed to us, the phone representative informed my wife that FBCS weren't legally required to send anything to us, informed my wife that she was stupid to request it and that my wife " knew nothing. '' I responded to all correspondence from FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX detailing that I never authorized this alleged credit card charge to XXXX, the merchant or anyone else. I detailed to both FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX that I consider this XXXX credit card charge to be fraudulent, that I am currently disputing the amount, and that I have active investigations with various governmental entities regarding this alleged debt. Both FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX, after their first letter dated XX/XX/2017, violated both my State and Federal rights by placing derogatory marks on my credit reports with all credit reporting agencies ( XXXX, XXXX and XXXX ) without first investigating my dispute, responding to my requests for debt validation. I am filing this complaint against both FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX as my rights have been violated. Please, help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX show up on my credit history ( XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX ) do not have any knowledge of this inquiry XXXX  XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit. 

XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry it should only been one inquiry which it was on the XX/XX/XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX  XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX  XXXX ( XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX/XXXX ( XXXX XXXX, XXXX XXXX ) do not have any knowledge of this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I don't know where this should fall, but this is more of an Infrastructure design relating to credit reporting and shopping around. I used to originate mortgages and I understand why this exists, but nonetheless I still feel it is an absurd assault on consumers : I have applied for a home equity loan through my current lender who I plan on working with and no one else. When I have a credit inquiry, lenders know that I have had a mortgage related credit inquiry and literally the SECOND I approved my credit to be pulled, my phone started ringing. Within 10 minutes I had received several calls. Less than 24 hours later and I have had 57 ( nope, now 58 as I type this ) calls from lenders.

Again, I understand that this is related to a consumers right to shop around. I get that we want to prevent shady lenders from being able to close loans without the borrowers having opportunities to get the best deal. XXXX, I had to give this as part of my XXXX conversation, but at what point are we prioritizing giving these companies leads over the consumer experience. I haven't been able to listen to A SINGLE SONG on XXXX on my XXXX without it being interrupted by a call. If we, as a country, want to encourage consumers to use financial solutions and TRULY get the best deal, we have to be more innovative and come up with ways to do it without opening the consumer up to ENDLESS calls. 

CFPB needs to get the big wigs into an office and talk about what modern solutions we can find to offer people the opportunity to shop around without facing an assault of sales calls. XXXX, I can think of 3-4 viable solutions but knowing the bureaucracy of the Federal Government, I have a hard time believing whatever role sees this complaint will be able to get any level of leadership together to actually address this. This is embarrassing.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING INCONSITANCIES IN THE DATE OF LAST ACTIVITIY. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. ( XXXX XXXX ) ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and I found XXXX hard inquiries that are fraudulent, i immediately contact these companies and also called Experian but they didn't help me. This is a very serious matter, someone has been using my credit and i need to have these fraudulent hard inquiries removed from my credit report. I very concerned about this, i just place a fraud alert on my credit report. Please help me removed these fraudulent items from my credit report ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX/XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX )
Product: Checking or savings account

Opened accounts with Citibank. There was a {$400.00} account opening bonus if I met certain criteria after the accounts were opened. 

Into a savings account I put over {$15000.00}. Into a checking account, I caused direct deposit payments from my work to be sent. 

I met the account opening bonus criteria. 

Citibank has yet to issue to me the {$400.00} credit, even though I've make many, many, many phone calls to them about the matter, and also sent to them mailed letters - all to no avail. 

I've also emailed the " executive escalations '' group at Citibank, and that didn't help either. 

Proof of my compliance with the requirements for the bonus is attached for where a Citibank agent states in a chat session that I have met the requirements for the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy discharged a few years ago, this account is still showing as open and reporting negatively.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I received a loan deposit from money lion plus of {$500.00}. Within 3 days of receiving the loan, I checked my money lion account yo see when my first payment will be scheduled. It showed that I owed a fee of {$19.00} months until I pay the loan off. It also showed that I will be paying a membership fee of {$36.00} biweekly in addition to my biweekly payments. I called them and was explained that its a membership fee since they dont run credit. And at the end of the loan term it will be reported to the credit bureaus. Well to start off, the membership fees are not conspicuous, you dont notice them or know about it until you have applied and funds have been deposited and nothing you can do but stay XXXX in this trap. This is definitely iilegal.
Product: Credit reporting or other personal consumer reports

I submitted a dispute on XX/XX/year> to all XXXX  credit bureaus, they have just now responded today XX/XX/year> that the documents that I sent in were not acceptable. They keep doing this to me every time I submit a dispute. I submit my driver 's license, my social security card, and a bill. What more identification do they need when I am only disputing information that they have inaccurate on my report? I am going to attach the same letter with no changes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX lease account # XXXX XXXX XXXX XXXX. On XX/XX/XXXX I signed a lease extension on my XXXX XXXX  Document attached All payments were made and up to date. 
On Sun XX/XX/XXXX in the middle of the night XXXX incorrectly repossessed my vehicle. 
I reported it as stolen and was later notified it was at a car auction in NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX took me to court for mileage and damages. 

It's pretty obvious that the judge ruled in my favor. Document attached. 

Please please help me! XXXX continues to report inaccurate information to Equifax, XXXX XXXX XXXX. I have spent months disputing this with the credit bureaus XXXX XXXX has refused to remove this negative information from my reports. 
I was denied housing due to this negative information. 

I need XXXX to remove all incorrect, damaging information from my credit reports. 

Thank You!!!!
Product: Credit card

On XXXX XX/XX/XXXX I sent a letter to inform Citi that I would like to exercise the OPT OUT option pursuant to 15 U.S.C Code XXXX ( a ) ( b ) ( XXXX ) ( C ). I asked CITI to stop sharing my nonpublic personal information with any nonaffiliated third party. 

CITI reply letter dated XXXX XX/XX/XXXX states : Your account has been opted out of third party non-affiliate sharing since XX/XX/XXXX. A letter regarding your privacy options will be sent under separate cover. I never received any such letter. CITI continued reporting my non-public personal information to third party non-affiliates. CITI modified what information CITI shared with non-affiliated third parties but feel short of 15 U.S.C XXXXa rules of construction. 15 U.S.C XXXXa ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section XXXXsXXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. I have clear communicated to CITI that I do not wish to have my nonpublic personal information disclosed to any nonaffiliated XXXX party. 
I contacted CITI telephonically I asked CITI to honor their statement to allow my account the OPT OUT status, CiTIs agent threatened to close my account, he said that CITI requires the use of my non-public personal information for CITIs use in order to be a continuing customer.
Product: Mortgage

on XX/XX/XXXX I called Key Bank of XXXX CT branch spoke with manager XXXX XXXX my escrow taxes were not paid to my town.in the amount of XXXX plus late fees XXXX. I asked her to find out why those taxes were not paid since I escrow the money to do so. I have yet to hear back. I have called the corporate office to no avail what so ever. Pretty frustrated escrow accounts are suppose to make things easier for the customer and when the financial institute does not do a simple task like customer service. I have since refinanced my loan with another bank and want my escrow paid back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2021 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( 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 can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I checked my credit report and saw that there was a collection account on my account. I have never had any dealings with a company called XXXX XXXX and definitely did not default in any circumstances with them. I hereby request that Midwest recovery systems send me all info they have on this supposed account and so that I can prove it is not mine! If they don't have this info I demand that they have it removed from my credit file immediately! I have already disputed these with the credit agencies.
Product: Credit card or prepaid card

Capital One has fraud restricted my account. I had a large refund hit my card due to a return, and Capital will not give me back the negative balance now on the credit card. An amount of {$2800.00} Details : Late 2022 I tried to purchase an XXXX at my local XXXX XXXX in XXXX NY using my Capital One Quicksilver card. I was flagged for fraud and the transaction was blocked. 

I called up Capital One immediately in the XXXX store. I was asked to upload a picture of my license. I did that, however the lighting conditions in the XXXX store are sub-optimal. Many overhead lights causing reflections. The id was not verified by Capital One 's systems and i was not allowed to proceed with the purchase The next day I called up again, I was asked to go through verification and upload my license pictures. I followed instructions and uploaded clear images. Once again Capital One 's system did not verify my identity. I was then permanently blocked from using the account with no option for a resolution. I offered to go in person to a branch with my license and passport for verification. I was told that Capital One 's systems/processes don't allow this. 

As the account was in-operable. I told them to close it. 

Following these events I received a large refund onto the card from a purchase I had made and then returned. After calling Capital One many times, they have not sent me a check for the amount they owe to me of {$2800.00}. They have offered no way to provide me with the money even though they repeatedly stated that they can not hold onto those funds.