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

I XXXX XXXX, am requesting all security freezes, statements regarding fraud alerts, be removed from my file
Product: Credit card or prepaid card

Citi closed my charge card on XX/XX/XXXX due to " 2 years of inactivity ''. At the time, I had over XXXX $ in Citi Dollars on the card. ( i.e. Earned cash credit since XXXX. ) I did not receive a phone call, a letter via USPS, or an e-mail, informing me that this was about to occur. 

I spoke to Citi by phone, attempting to resolve the matter, but to no avail. Citi cited that my last account activity was a payment on XX/XX/XXXX. Hence, 2 years had gone by, and that they had every legal right to close my account, due to inactivity. In addition, they also stated that they had every legal right to not send me a check for the XXXX $ in earned cash credit - because the account was now closed. 

Fact : The account was opened in XXXX and had been in active use for XXXX years. 
Fact : Citi send me a new charge card, to replace the expiring card, in XX/XX/XXXX. 
Fact : I activated the new charge card several months later. I had no intention of closing this account. 
Fact : The last activity on the card was the new card activation. 
Fact : The new card had a 4 year use window, and is set to expire in XX/XX/XXXX. 

Timeline : XX/XX/XXXX ( Payment ) Timeline : XXXX XXXX ( New charge card is sent, to replace the expiring card on XX/XX/XXXX ) Timeline : XXXX XXXX ( New charge card is activated by phone. ) Timeline : Citi closes new charge card on XX/XX/XXXX FACT : Citi closed my account after < 6 months of activity, since activating a new charge card clearly documents charge card activity. 

The fact that Citi refused to refund the cash, the fact that Citi cited that there was " no card activity '', the fact that Citi stated that it was their legal right to perform the actions that they did, makes me believe that their actions were pre-meditated, and performed solely for Citi 's personal financial gain. The fact that they made no attempt to contact me before the closure, provides additional evidence of their ill will and ill intent. 

Thank you.
Product: Credit card

Hello, I was promised a XXXX via Chase Credit Card Specialist phone conversation.In this situation I had opened up a Southwest/Chase Business card that had an opening reward of XXXX travel points if a minimum spend of {$2000.00} was met within 3 months. In my first month I hit the minimum spend ( XXXX XXXX ) and in turn had earned the XXXX points. To make sure that I was to receive the points into my Southwest account I called into Chase to investigate. In this conversation with the specialist he assured me that I had indeed earned the points via the minimum spend, and that in fact made me qualify for the XXXX Southwest Companion Pass. In the conversation I made my concerns clear that I did not want to the points to disburse later that the new year or the pass would not be awarded to me. At this moment he assured me that they would disburse by the XXXX cycle and also left a note on my profile that stated these above points that I had earned the points and than in turn qualified me for the pass. Moving forward the points were not awarded before the end of the year and I missed out on the promised pass.
Product: Credit reporting or other personal consumer reports

I previously had an auto loan with XXXX XXXX XXXX XXXX however, the vehicle was totaled and paid off by XXXX XXXX insurance company. This account currently shows on my credit report as Charged Off Purchased by Another Lender however the new lender does not appear on my credit report ( XXXX XXXX XXXX XXXX still appears as the creditor, even though the remarks on my credit report state that it has been sold ). Additionally I did not receive a 1099-C from XXXX XXXX  even though they have charged off the alleged debt. In accordance with the Fair Credit and Reporting Act ( F.C.R.A. ) XXXX XXXX XXXX XXXX has violated my rights under 15 U.S. Code 1681 s-2 which states that creditors and/or the banking industry are required to accurately report on consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax and asked them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically that the creditor XXXX, XXXXprovide proof of alleged original application bearing my signature and they have not been able to provide such proof. This is a violation of the Fair Credit Reporting Act and the disputed items may not appear on my credit report if it cant be supported by evidence or proof. 

I have reviewed my consumer report from Equifax and noticed that I have seeveral late payments reporting on my bureau, that I was never late for on Consumer Reporting Agency and have assumed a vital role and Maximum Accuracy. I have never been late on payments for XXXX XXXX XXXX account # XXXX. Please investigate and provide proof with statements showing that these payments were late, if proof cant be provided, I demand that payment be updated to on time as it was never late. 

To XXXX XXXX XXXX. I have been in dispute since inception of this account. Yet they continue to report inaccurate information.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX - {$620.00} Unauthorized Inquiries XXXXXXXX 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: Checking or savings account

Jc Pennys was over paid over 21,000.00 dollars has called XXXX XXXX 2 and they have told me 5 to ten days after wating almost 15 days they are telling me I need to show them proof its my money I asked them why after 2 calls I wasnt told that until I asked for a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is erroneously reporting incorrect information on my credit file. They are reporting 2 new lates XX/XX/19 & XX/XX/19 on an account that has been closed for over more than a year!! This is beyond careless and affecting my credit. I am requesting that they remove these lates on an old account # XXXX
Product: Checking or savings account

In 6 months I been getting overdraft. If Im negative I should know but it show I have enough money and the. Next day it had overdraft but the end amount is not negative from the previous day Overdraft dates XX/XX/XXXX {$35.00} x XXXX total $ {$100.00} XX/XX/XXXX {$35.00} x XXXX total {$100.00} XX/XX/XXXX {$35.00} x XXXX total {$70.00} They dont show you need to deposit money until its too late and they are phishing to charge you the overdraft. They need to be transparent and give clients the opportunity to deposit the money they are negative. A lot of transactions dont show and when they do they add the overdraft fee.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the outcomes of disputes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a old XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) bill that I have been paying on for over a year. XXXX XXXX  XXXX was the collection agency. But I worked directly with XXXX XXXX  XXXX to pay it off. I have disputed this before with experian, they always say the same thing. It meets fair credit reporting standards. My first dispute was that the amounts were wrong, but this last time it was that I have paid it off. My original file date was XX/XX/XXXX. The amount they say i owe is {$2000.00}. My account is up to date. I disputed this same thing on my XXXX XXXX credit report and they did thier jobs a removed it. In less than a week.
Product: Checking or savings account

I have misplaced my Wells Fargo card and havent found it. Ive been charged and and card was cut off.
Product: Credit reporting or other personal consumer reports

Please review the following inquires and account below. Please be sure to remove these following fraudulent items from my report. They do not belong to me and I would like it removed, My identity was stolen and i never granted any permission to any collector to access my report.
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. 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 am writing to formally dispute the inaccurate information reported by Early Warning Services ( EWS ) on my consumer report. I have been wrongfully accused of fraud, and despite multiple disputes with the truth, Early Warning has refused to correct this erroneous inquiry.

The issue originated with XXXX XXXX XXXXXXXX, where a fraudulent check was mistakenly attributed to me. XXXX XXXX XXXXXXXX conducted a thorough investigation and concluded that I was a victim of fraud. Enclosed with this letter are : A letter from XXXX XXXX  XXXX confirming their findings and absolving me of any wrongdoing. 
A copy of the police report I filed when I first discovered the fraudulent check. 
Despite this evidence, Early Warning has failed to remove the fraudulent inquiry from my report. This inaccurate information has severely impacted my ability to open new bank accounts and has caused significant setbacks and harm to my financial reputation. 


Early Warning Case Info : Dispute Case ID : XXXX Bank Name : XXXX XXXX XXXXXXXX Reference # : XXXX
Product: Vehicle loan or lease

I have had this car since XX/XX/2015, been making monthly payments and have had trouble since XXXX. However I have paid this vehicle off probably XXXX  by now and I still owe over XXXX, Ive made extra payments and they just add on more fees and I can never get out of this loan. Not to mention the car always has expensive issues and I can never catch up, I just want to get rid of it at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NO CLUE why I owe {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized hard inquiry on my credit report. I use XXXX XXXX and they say to contact the company responsible however Iv been unable to contact the correct person within XXXX to dispute this hard inquiry made by Syncb National Credit Cards/Airlines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the recent Equifax leak, my credit information may have been shared. Requesting a credit report and fraud alert through Equifax has proven to be unsuccessful at this moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit scare with only Transunion dropped XXXX points from XXXX to XXXX. I called Transunion and asked why. They refused to tell why or gove an answer. 

Rep made many claims of why it might drop. However, none of those reasons exist. 

I updated my address and Transition rep repeated the correct address over. But gold figure. Sent my said report out to a wrong unit number still. I found out the Transunion typo '' XXXX i called them back, the reps fix the address and say they will resend the my report with a credit score. I would have to pay for the credit score. 

After correcting the address twice. The documents to the right address never showed. 

The only way to get my points back is to apply for a credit card. I will not. To many people are in debt to credit cards. My credit score should not be tortures based on that. I should not be ransomed to get a credit card to get my score back. I pay my bills on time and nothing has change to drop my score. So why has it fallen.
Product: Debt collection

I WENT TO APPLY FOR A NEW APT . TODAY AND FOUND OUT I CAN NOT MOVE INTO ANY APT . BECAUSE I WAS IN DEBT COLLECTION FOUR YEARS AGO WITH HUNTER WARFIELD AND IT WAS PAID XXXX XXXX  2014 IT WAS NEVER SENT IN TO BE TAKEN OFF MY CREDIT HISTORY. I WAS LIVING AT XXXX XXXX WHEN THIS TOOK PLACE AND IT WAS A MISTAKE AND IT WAS PAID FOR. PLEASE CHECK INTO THIS MATTER SO I MAY MOVE FORWARD. THANKS
Product: Bank account or service

I made a large deposit ( $ XXXX ) into my checking account with Wells Fargo Bank. The deposit was made on XXXX/XXXX/16. The bank said the funds would not be available until XXXX/XXXX/16 which is 11 days or 6 business days. I called to determine why it would take so long to validate the funds when they run a batch process for deposits and withdrawals on a nightly basis. Their response was - that 's how long it takes, which is ridiculous in this day and age. I also inquired if I was receiving interest while the funds were deposited in my account but not accessible and the answer was no. So in addition to not be able to access my funds I am also not receiving the benefit of earning interest on my deposit. And although the interest is paltry even on the large deposit I made, if they are subjecting all of their customers ( XXXX XXXX ) to this arduous XXXX6 days validation of deposits and not paying interest at the same time, it is a significant impact on the consumer. Especially considering the are the second largest depositor in the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have two concerns : A ) I opened a business line of credit in XXXX of 2023. The person who opened the line of credit deposited the entire amount into my business account. I realized the error after I saw I was being charged an interest fee of {$120.00} and the checks I was issuing to my vendors were not going through. I immediately refunded the {$15000.00} and requested that the fee be removed from my account as this deposit was not something I was requesting. I have spoken to at least XXXX different people over the phone and in a branch near me and am being passed around like a hot potato. No one is willing to take ownership or accountability to help me get the charge removed. I filed two complaints and no one from Chase has reached out to discuss my concerns. The last person I spoke with was XXXX XXXX, Relationship Manager and she said she would get back to me but it has been about a week and I have hear nothing. I need the {$120.00} charge removed from my account because it is unwarranted. 

B ) I also have a concern about the lack of detailed information on my statements both online and paper, regarding where charges stem from. The vendors are not listed. I have to be able to know what my charges are for in order to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
And also the following accounts too XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX Chapter XXXX Bankruptcy Ref # XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 1604 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 filed a identity theft affidavit with a police report number around XX/XX/2023 to show i was a victim of identity theft the company did not take the proper steps by law to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report is a hard inquiry I did not recognize as authorized.

In result, my credit score dropped down.

I received a copy of my Experian credit report on XX/XX/2018. The credit report showed a credit inquiry by XXXX  on XX/XX/2018.

I talked to customer service and credit card specialist 2 times and after verification, they assured me ( no case number ), the inquiry will be removed up to a month. But they didnt. Then I sent a letter to the corporate office and received a response on XX/XX/2018, confirming they will contact Experian to fix this error. Their credit card specialist did nothing again and they dont introduce themselves.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I went to an appliance store to get a washer and dryer and decides to pay the cash out option to get it at a cheaper price and avoid all the interest. XXXX payments were already before this happened and then a lump some of XXXX was paid for the cash out which was selected when making the payment option. Instead of the company using it as a cash out they used it as a " prepaid balance '' for the next few payments that would be due and not the intended cash out purpose. This went unnoticed due to me receiving an email saying my payment was received and paid in full, until this morning when my a count was over drafted due to them taking out a payment that was XXXX called the company and asked why the payment came out when it was paid back in XXXX in a lump some amount and all they would tell me was that the offer ended in XXXX and that I couldn't use the pay off amount anymore and that what I paid was my installments. And keep in mind on the main page all they give you is a date but it has no year attached so they arent even being specific and ia very misleading on their end. So now they want me to pay another XXXX almost to pay another cash out or XXXX plus tax in installments. Definitely scamming me out of Mt money because I decided to pay out instead of the installments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were through XXXX and they switched all of my loans to XXXX. I was given the balance by XXXX  which matched my records and everything was fine. Then Im XXXX I get an alert that I have a XXXX loan all of a sudden from XXXX I called XXXX they confirm they have all of my loans and there is nothing with XXXX. I call XXXX at that time I could speak with someone they confirmed I have no loans with them and I would need to call trans union. I called them XX/XX/XXXX I believe and filed a dispute. I never heard back from them so I called them XX/XX/10 and they said I never filed a dispute. I was placed on hold and then was told they contacted XXXX and I do have XXXX loan with them. I went on XXXX  dna webpage and it says I have no open loans. I called them but since I have no open loans I cant speak to anyone. I called back to transunion and they suggested I reach out to you. My student loan balance is XXXX per XXXX and per the XXXX XXXX XXXX XXXX XXXXXXXX XXXX  doesnt show the XXXX student loan either. This all of a sudden popping up out of nowhere has affected me applying for a home equity loan and has dropped my credit score. I am at a loss of what I can do to fix this because that is student loan debt that is not mine.
Product: Credit reporting or other personal consumer reports

I entered into an auto loan agreement with XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/year>, with a fixed monthly payment of {$960.00} for 71 months. However, XXXX has been incorrectly reporting my monthly payment as {$1000.00}, which is a clear violation of my contract. 

Additionally, XXXX falsely reported a late payment on my credit report, despite my account being in good standing. I have maintained continuous insurance coverage, meaning there is no valid reason for any increased charges or lender-placed insurance fees. 

Actions Taken : I disputed the incorrect information with XXXX, requesting correction. 
XXXX wrongfully verified the false payment amount and late payment instead of correcting the issue. 
I submitted a dispute with credit bureaus ( XXXX, XXXX, Equifax ), but XXXX continued to verify the incorrect information. 
I sent a formal demand letter to XXXX requesting immediate correction, but no resolution was provided.

Why This is a Violation : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 : Prohibits furnishing inaccurate information to credit bureaus.

California Consumer Credit Reporting Agencies Act ( CCCRAA ) Cal. Civ. Code 1785.25 : Requires accurate and truthful credit reporting.

California Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) Cal. Civ. Code 1788 : Prohibits deceptive practices in loan servicing. 

I am requesting immediate investigation and correction. If not resolved, I will consider further legal action for damages caused by this incorrect reporting.