23daVinci/CFPB_Complaints huggingface dataset:
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. 

DEPT OF EDXXXX : XXXX, {$20000.00}, XX/XX/XXXX ; DEPT OF ED/XXXX : XXXX, {$20000.00}, XX/XX/XXXX ; DEPT OF ED/XXXX : XXXX, {$10000.00}, XX/XX/XXXX ; XXXX  : XXXX, {$1000.00}, XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XXXX, {$12000.00}, XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XXXX, {$2000.00}, XX/XX/XXXX ; XXXX XXXX : XXXX, {$2500.00}, XX/XX/XXXX ; XXXX XXXX XXXX  : XXXX, {$220000.00} XXXX XX/XX/XXXX ; XXXX  XXXX : XXXX {$5500.00}, XX/XX/XXXX ; XXXX XXXX XXXX : XXXX, {$10000.00} XXXX XX/XX/XXXX ; XXXX  XXXX : XXXX, {$12000.00}, XX/XX/XXXX ; XXXX XXXX  XXXX : XXXX, {$7500.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX : XXXX, {$9500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : XXXX, {$16000.00} XXXX XX/XX/XXXX ; XXXX XXXX : XXXX, {$6000.00}, XX/XX/XXXX ; XXXX XXXX XXXX : XXXX, {$9400.00}, XX/XX/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 an 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 card

I believe that Citi 's practices credit card practices ( specifically as it relates to fraud alerts ) are inconsistent, unfair and deceptive. 

On Thursday, XX/XX/2023 XXXX XXXXXXXX XXXX EST, after trying to make a purchase online that was declined, I received a fraud notification via text message to call XXXX. After calling and being on hold for 2 min, I was told no representatives are available and the line was disconnected. 

I then called the number on the back of my credit card XXXX XXXX XXXX The representative was able to authenticate my account and reviewed several transactions confirming that there was no fraudulent activity. I was assured that my account was fine and ok to use. After hanging up with the representative, I attempted the transaction again and it was declined. 

I called back again at XXXX using the same number. The representative was unable to authenticate my account using the same information. 

I logged into my Citi app to view my account and there was a fraud notification with a number to call. I called that number ending in XXXX and spoke to a representative XXXX XXXXXXXX XXXX who was able to authenticate my account using one of the numbers previously provided. I repeated the process and after verifying the activity, which was already verified approximately an hour previously, I was assured that my card is ok to use and there are no longer any issues. I stayed online with the representative to try and submit the transaction using XXXXXXXX XXXX and it was declined. I was advised by the rep to type the card number in instead as the issue may be with XXXX XXXX. After typing in the card number, I submitted my transaction. 

This time, the declination took almost 2 hours. At XXXX XXXX I received an email from the merchant that the transaction was declined. 

I noticed this at XXXX XXXX and called all the same numbers and was told the methods used to authenticate is not working. I would have to wait for a letter in the mail to authenticate. 

I asked to file a complaint and was told they could not take a complaint until they authenticated my account. I asked for an explanation as to why am I receiving different information, and no one would tell me. 

The declinations on my account did not start happening until after I accepted an offer that popped up in my app for a lower interest rate for charges made for a limited time period on XX/XX/XXXX. It is the only reason why I even decided to use the card. Ever since then, my card has been randomly declined for purchases. The first two declines were on XX/XX/XXXX, of which I did not receive a fraud notification or communication from Citi. One was online and the other was with my actual card at a doctor 's office. 

I called different numbers for the credit card as I did earlier in the day at XXXX and XXXX and no one would help to file a complaint. I had to had to call the number on the debit card to be able to file a complaint. That complaint number is XXXX.
Product: Credit reporting or other personal consumer reports

100 % wrong person, I do not know anything about this. 

I reached out to Nexum Group XXXX XXXX XXXX but they refused to send me and info.
Product: Credit reporting or other personal consumer reports

Theres a bankruptcy listed on my credit report that does not belong to me. XXXX has already corrected this information by deleting it from my credit report. However, TransUnion and Equifax has not complied.
Product: Debt collection

XXXX at XXXX XXXX- Kings Credit Service called my place of employment. Said they had every right to contact me at any of the numbers they had. I explained to them that they can't contact me at work or my employer because I am not allowed calls at work and will be fired. XXXX said that was incorrect they could contact me at work if they couldn't get in touch with me any other way. I explained to her that i didn't know about the bill at first, thought insurance had paid it but can't afford to pay it right now. i am trying to pay other dr. bills as much as i can at the moment. I remember the bill from XXXX XXXX saying they would not take payments you had to pay all of it at once if insurance didn't pay. I called XXXX back and told her that i could not get calls at work and that it was not legal for them to contact me after i tell them not to at work. she stated that it was legal and they could contact me at work if they needed too. again, i will be fired and can't get calls at work. I also sent them an email to contact them and told them not to contact my employer or me at work.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

XXXX CHARGED-OFF the account. which turned it to a Certificate of Indebt-ness and now becomes income. It is illegal to report income.

OPT-OUT DEMAND To Administration, PER FCRA as a federally protected consumer I am now OPTING OUT of any, and all authorizations I the consumer may have given you ; written, non-written, verbal, or non-verbal. Per 16 CFR 313.7 ( i ), ( ii ), ( iii ), and 15 U.S.C. 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX / account # - XXXX / {$640.00} XXXX XXXX XXXX XXXX account # - / {$2100.00} XXXX XXXX XXXX XXXX XXXX ( XXXX bank )/ account # - XXXX / {$68.00} XXXX  XXXX account # XXXX / {$1100.00} XXXX XXXX  XXXX XXXX account # - XXXX / {$2200.00} XXXX XXXX XXXX XXXXXXXX XXXX account XXXX - {$18.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice some fraudulent inquiries on my credit report that I didn't authorize. Please remove immediately because I'm going through some time sensitive life experiences & I can't move forward because of these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit agency is leaving false information on a address that is not mines.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$4100.00}
Product: Credit reporting or other personal consumer reports

My mortgage is held by XXXX XXXX Since XX/XX/XXXX, I have been trying to get the company to submit updated information about my monthly payments to all three credit bureaus. I have received several emails saying they are going to investigate ; however, each time they have failed to submit the update to the credit bureaus. Additionally, the monthly payment should have reflected {$2000.00} but for over a year, it reflected {$3400.00}. In XX/XX/XXXX, I was informed that it would be updated XX/XX/XXXX ; however, as of XX/XX/XXXX, the credit reports still did not reflect the update. Every time I speak to the company, they encourage me to wait until the next month for the update to be reflected. I have email communications ( attached ) with XXXX to prove the aforementioned. Unfortunately, as of XX/XX/XXXX, no updates have been reflected on my credit reports and nothing has been done to rectify the financial turmoil I experienced during this time. This situation has affected my buying power and has violated my rights under FCRA and possibly TILA and UDAAP. 

All communication, statements, and disputes through the credit bureaus ( Equifax and XXXX ) have been attached.
Product: Credit card or prepaid card

I have a Citi card and am due a refund as part of the XXXX settlement reached with regulators. I received a letter from Citi dated XX/XX/XXXX advising me that my refund check had been sent, but not cashed. I called them on XX/XX/XXXX and was told they would send another check and to followup in 3 weeks. 

I never received the 2nd check either. I called Citi yesterday and there is no answer at the XXXX # provided. I called the regular customer service number and was told there was nothing in my history about the refund. I was told a manager would call me back by XXXX XXXX, but I never got a call. 

I want either the check, or the money applied to my account balance.
Product: Credit reporting or other personal consumer reports

XXXX recently ( in XX/XX/2023 ) closed a New York and Company account based on information contained in my credit report on other non XXXX accounts that are in dispute. I never gave XXXX permission to check my credit report and to check other accounts that have nothing to do with XXXX As per the FCRA XXXX must send proof that I gave written consent to report the New York and company account and proof of my written consent to check my credit report in XX/XX/2023. XXXX will also need to send proof to support their claims that the other nonXXXX accounts are " valid '' and " delinquent. '' XXXX must send the contracts for these other accounts. Otherwise I will have to pursue litigation for XXXX for conspiring with the credit reporting agencies and the other institutions to violate my rights under the FCRA.
Product: Payday loan, title loan, or personal loan

I purchased some tires and rims from XXXX for XXXX 90 days same as cash i went past my 90 days by 2 or 3 weeks i paid XXXX plus to my XXXX balance when i called XXXX XXXX i asked for a pay off and was willing to pay but i was told since i went pass my 90 days i would have to go the full loan which would be another XXXX dollars over the next 8 or 9 months that is not fair my balance should have been XXXX to XXXX dollars i was willing to pay cash i will not let them continue to take XXXX by weekly out of my account i tried working with them but they want to make me go the full term.
Product: Credit card or prepaid card

I am submitting this complaint about syncrony bank/care credit. I have been having nothing but problems and issues with an existing problem ( charge ) that was fraudulantly done on the account from back in XX/XX/XXXX. This account is interest free for 24 months. The interest will incurr this XX/XX/XXXX if balance is not paid in full by then. Today I called care credit to figure out if the investigation is completed and my account credited back the {$510.00} that was fraud. I was told that the account needs to be closed and a new account number issued and a fraud complaint put back in. This is the 3rd time I am disputing this charge. The first time they credited the account then somehow added back onto my balance. I was also told today that they can't see back to far on the account as they do not have access to that far back. I am very upset as the balance they say we owe is {$1200.00} this is wrong the balance owed should be {$680.00}. We made 1 purchase back in XX/XX/XXXX. With no interest ( which I would like to note : there is still an interest added on this account for {$2.00} ) plus a late fee they were going to reverse which still has not been done. A dispute takes up to 60 days for completion. I am trying to get this resolved as I want to pay off this card in full before XX/XX/XXXX. I do not no what the issue is but I am being charged {$510.00} extra. Syncrony bank keeps saying they gave us the credit. Upon my husband taking the 1 initial charge minus the payments with no interest our balance is {$680.00}. I just made a {$300.00} payment today. I am also submitting another complaint as the minimum payment due each month when the card was opened was {$160.00} now the balance is signifiganctly lower and they want a minimum payment of {$600.00} this makes no sense whatsover. Balance going down minimum payment should be going down. They also lowered the credit line from {$4500.00} to {$1500.00} again which is very upsetting. This card would only be used for an emergency as to where they accept which is dental or eye doctor. I'm hoping by submitting this complaint through fustration with this bank that there will be some type of resolution and I can just pay off the card in full before XXXX when the interest would hit.
Product: Credit reporting or other personal consumer reports

I disputed Late pays on my credit report due to the cares Act. I had perfect payment history with these creditors, I provided documentation as well as a dispute letters these late pays have remained on my credit report for years after disputing them over and over I requested documentation from the credit bureau such as a account ledger from the creditor, Signed contract by me and creditor as well as a bank statement showing I made payments according to the Revised contract and payment agreement. None of which were provided but late pays remained on my credit report with no response from the credit bureau. Late pays Consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish an account without my written instructor. I didnt give anybody written instructions
Product: Debt collection

I have informed this company multiple times that this debt was discharged in bankruptcy. I have provided the bankruptcy information and my attorney 's name and contact information. I have requested they stop contacting me. The continue to call, text, and email. The bankruptcy was discarged over XXXX years ago.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generall, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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

I was a victim of identity theft or mistaken identity. I contacted the bureaus and provided all my personal documents as required along with a identity theft report. I have made several attempts to have this information corrected to no avail. the credit bureaus have not provided and debt validation with proof of any contracts on file bearing my signature to validate the debts, that they are required to provide when requested under the fcra.
Product: Checking or savings account

Capital one has failed to respond to any of my letters or emails or voicemails. They seem to only respond when I make a claim through you guys. I called XXXX, many times and nothing has happened. As mentioned before I'm submitting a claim regarding my account ending in XXXX, my account has POSITIVE balance for that account is {$12.00}, XXXX, and I still don't understand why if you guys already decided to close my account and end relationship why has a check haven't been sent to me for the remainder balance in my account, capital one by law can not keep any of my money and must send a check to me for balance remaining, account should have already closed there no negative balance, so I should have already been issued a check for the amount shown above, i received mail of my account and shows me a balance. No letters as of why you decided to end relationship, nor when my account will close NO time frame has been provided, like I mentioned no answers are giving to me without me making a claim with the consumer financial protection bureau, please help me escalate this and get my money sent out to me. 
Why is it taking capital one months to close account with a positive balance. Not my checking or my savings accounts ( 2 ) why are they still open not closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request the removal of inaccurate items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX. XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO 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 XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to apply for one credit application for a vehicle my credit was ran more than several times, Ive attempted to dispute and fix and nothing has helped. The dealership itself said there is nothing that they can do.