23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I have opted out of any and all authorizations I the consumer may have given in written, unwritten, verbal or non-verbal communication per 15 USC 6802. I have sent letters to Transunion, XXXX and XXXX to have the following accounts removed, and they are not complying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demanded verifiable proof be submitted to the consumer in writing. In the form of testimony ( via affidavit ) given by trained personnel described in Section 610 ( a ) ( 1 ) [ U.S. Code 1681h ], pursuant to Section 609 ( a ) ( 1 ) [ U.S. Code 1681g ]. These claims have NOT been substantiated by the alleged creditors. 

Failure to positively verify these accounts now constitutes malice and willful intent to cause injury and suffering to the consumer and causes damage to my ability to obtain credit. 

Under the FCRA, as these accounts have failed to be substantiated, they now must be removed. 

I demand the following accounts be removed immediately. 


1. XXXX XXXX XXXX - XX/XX/XXXX - {$4000.00} 2. XXXX XXXX XXXX - XXXX XXXX XXXX & XXXX. XXXX XXXX - {$1000.00} & {$360.00} ( respectively ) 3. XXXX XXXX - XXXX XXXX XXXX - {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I am reaching out to you with great concern. I had a credit card with Barclays XXXX XXXX XXXX. I was enrolled in a third-party debt consolidation program where. They made payments to Barclay 's on my behalf but still reported me as delinquent. Although " XXXX, '' formerly " XXXX XXXX XXXX XXXX, '' signed an agreement with Barclays and agreed on the debt consolidation but still reported the account delinquent to all credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My balance on loan is not being reported accurately as well being reported on time. Balance credit report shows is from XX/XX/2020. It is now XXXX and XXXX 's payment will be due soon. If I was missing my payments there seems to be no issue with the negative information being reported on time. So what is the issue with reporting all information accurately and on time weather negative or positive. I as a consumer have rights.
Product: Debt collection

While checking my credit reports I noticed a collection from Midwest Recovery Systems. This is not my debt and I have n't heard from Midwest at all concerning this unverified debt. This violation of my rights has caused stress and damage to my credit report. On XXXX XXXX, XXXX I sent a letter to the creditor asking them to validate the debt as well as remove the debt if the information was reporting inaccurately. I 've received no feedback from this company. I did receive a notification from a credit monitoring system I subscribe to that the debt was being reported as a collection. I have NO KNOWLEDGE of this debt at all.
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. 

I told XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX, I recently reviewed my credit report and discovered the following addresses listed. These addresses are inaccurate. XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit card or prepaid card

My card number is XXXX I had bought this card alongwith 2 other cards which worked fine. this card didnt work. When I call the call center, as soon as i enter the card number i am redirected to the call center instead of being told balance or allowed to be set pin etc. 

I told the call center to activate the card and they told me its already active.

I called again and this time the person said he will register the card and it would work after 1 hour. It has been more than 15 hours and it still doesnt work either online or instore. I want to use it on the debit network and I can not even set the pin.

This is standard practice for US Bank and my second complaint in a week, except this time even after calling in they are not activating the card.

I keep getting an error to call customer service and customer service can not see anything wrong with the card. US Bank is again trying to steal money.
Product: Credit reporting or other personal consumer reports

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Checking or savings account

I closed my Citibank account after 33 years. 

In the morning of XX/XX/XXXX, I received a bill from a vendor through email, then signed onto the Citibank app to pay the bill using XXXX. Instead, the words Access Blocked appeared over the basic checking account information. After four phone calls to Citibank, I was informed that my joint account of 33 years had insufficient KYC data re : my wife, the account co-holder. 

My wife received exactly zero requests from Citibank for the information no emails, no phone calls, no textmsgs, no hard copy mailings. Rather, Citibank simply froze our assets held at Citibank. 

While the Citibank checking account played a small economic part in our financial picture, it played a very important one XXXX it was a facilitation account to keep vendors paid regularly. Ensuring that people are treated fairly and that I pay bills on a timely basis is very important to me. 

Over the following two days and more than four hours on the phone with Citibank representatives, the block was lifted. 

It is true that collecting XXXX information is critical for XXXX and that banking institutions need latitude to ensure the integrity of their banking relationships. Its also true that fair and reasonable notice should be given to customers to ensure customers have the opportunity to provide the information prior to an asset freeze. During one of the several phone calls to Citibank, the representative indicated that Citibank reaches out to people prior to freezing assets. Not true in our case and it often may not be true. I am not seeking monetary damages ; rather ensuring Citibank provide fair and reasonable notice to customers and that regulatory rules be enacted and enforced to ensure they do so. 

More than highly frustrating, this type of incident reinforces the American publics underlying concern of the US banking system and undermines the integrity of fairly doing business in the United States. Until only recently, my concerns were limited to actions of cyber-criminals and market-driven bank-runs. Now I am more concerned about the actions of the very institutions entrusted to protect our money and livelihood.
Product: Checking or savings account

On XX/XX/19 an unauthorized withdrawal from my checking account was made by cash net I was then find {$35.00} from my banking institution based on insufficient funds.then again on XX/XX/XXXX another withdrawal was attempted by cashnetusa.com unauthorized to my checking account and although B withdrawal request was denied I was charged another {$35.00} for overdraft fees to my account by my bank. 
Again neither of those withdrawal request were authorized by me they were both in error and I have a recorded conversation by phone yesterday XXXX the XXXX  with a cashnetusa.com supervisor her name was XXXX admitting that know they were not supposed to have attempted those withdrawals. As I was uncomfortable with her just admitting that they were in error I demanded that they reimburse me for the {$70.00} fees I was having to pay to my bank and she said that cashnetusa.com would reimburse me for those Vines and then they would accurately with my authorization remove the funds from my account this coming Monday on XX/XX/XXXX and I agreed.they just requested and required me to email them a copy of my statement showing a direct correlation between their attempt to withdraw funds in my account going into overdraft and the vine that was given to me which I did email that to them yesterday on XX/XX/XXXX. 
However later in the evening on the XXXX I received an email from CashNetUSA confirming that I had this conversation with supervisor with their company but did not appropriately define what was stated in that conversation ignoring the fact that they were in error and in the email it was threatened by them that I pay this overdue bill that they attempted to remove from my account early and were unsuccessful now it's considered overdue and they are putting me into collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a M ultiple Inquiry Removal Letter o n  XXXX   XXXX ,    2017  to Transunion by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that were being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017 . The request that I submitted included hard inquiries that were not factual and I received the same response fo r ALL inquiries, which was inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated. If you do not investigate AND respond, the CRA must delete the disputed information from its files. One can assume that there was no investigation into the matter due to no reponse. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute. For hard inquiries that do n ot belong to me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern for credit worthiness by a consumer.
Product: Bank account or service

Citibank Lost my checking account and statements. I need 2 years XXXX XXXX ) of monthly statements and they assert the checking account does not exist and they can not find the account. this could result in a potential {$20000.00} tax liability XXXX and need to amend my tax returns but without that information I can not deduct my XXXX expenses.
Product: Checking or savings account

Capital one 360 Online account virtually disappeared and could not access to withdraw and can not obtain statements. Capital one was very unresponsive to my concern. Said it was a technical issue and could take 20 days to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax - Did not adequately protect my personal data from hacking. Did not report that a breach had occurred in a timely manner ( allowed 6 weeks to pass before releasing a statement to the fact ). Did not notify me directly that my information was stolen. Attempted to offer a 1 year credit monitoring service that would require a credit card and charge after 12 months if not cancelled. Attempted to profit by still charging to freeze and unfreeze credit accounts.
Product: Debt collection

I had service with XXXX XXXX during a pre-priced trial period and my bill kept increasing every month I was told it was adjustments to the account and I would be given a credit for the over charges. This continued for several months with constant calls to customer service to try to resolve this issue. after two more excessive billing cycles I was done I called and terminated services with a balance of XXXX dollars owed. When I received the final Bill I was surprised to see a balance of XXXX dollars due. When I contacted customer service I was told there was an error and if I reinstated the account they would offer 6 months of premium channels I would just pay the XXXX dollars and would be fine at this point I said just submit the final bill I did not want to continue service. On the XX/XX/XXXX I was shocked to have received a letter of collection from AFNI Inc in the amount of {$550.00} and this is not correct
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Three members of my family had their Experian accounts compromised. There is no two factor authentication which is unacceptable. None of us were notified that our login credentials were changed and assigned to an unknown email address. This problem is prevalent with Experian and when contacting them their only response is " we take security seriously ''. 

Their system give me zero option to talk to a live person. They should be fined for their negligence.
Product: Credit card or prepaid card

On XX/XX/XXXX, I rented a car from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX branch ) for a 7-day period. On XX/XX/XXXX, after I had stopped at a gas station on my way to return the car to the rental office as scheduled, the fuel injector broke. I called the XXXX customer roadside assistance, who towed the car to a mechanic. A month later, I received a {$1700.00} charge on my Chase XXXX XXXX credit card from XXXX, who were under the assumption that I had the car from XX/XX/XXXX to XX/XX/XXXX ( the amount of time between when the car was towed to the repair shop and when the car was fixed/returned to XXXX ). As stated above, I only had the car for 7 days, from XX/XX/XXXX to XX/XX/XXXX. I have tried unsuccessfully to dispute this charge with Chase three times : ( 1 ) once prior to receiving the receipt from XXXX ( at which point I had no idea why I was being charged so much ) ; ( 2 ) a second time after I received the receipt from XXXX ( but it was in French so I misunderstood some of the charges for which I was in fact responsible ; and ( 3 ) a third time after I went through the receipt and XXXX 's response, and provided proof that I could not have had the car after XX/XX/XXXX. 

I am filing this complaint against Chase for the {$900.00} ( a portion of the {$1700.00} charge ) that remains on my account. Chase has failed to acknowledge that I am not responsible for the cost of the rental car between XX/XX/XXXX and XX/XX/XXXX, when it was in the repair shop, nor that I am not responsible for the cost of the deductible ( because the breaking of the fuel injector was not my fault - in other words, XXXX rented a car with a mechanical issue to me ). Chase 's most recent correspondence to me, dated XX/XX/XXXX ( after my third dispute ), stated that they were not successful in contacting the merchant to negotiate a credit. 

The document " XXXX receipt '' is the receipt from the rental car company, which I got after my first dispute with Chase. The document " XXXX '' shows that I withdrew money from a bank in XXXX, XXXX on XX/XX/XXXX, after I flew there from XXXX. ( Given that a one-way trip to XXXX is more mileage than what the XXXX receipt shows I drove on the rental car, it was impossible for me to have driven the car all the way to XXXX and to still have it on XX/XX/XXXX. Thus, this document proves that I could not have had the car between XX/XX/XXXX and XX/XX/XXXX, as XXXX claims. ) The document " Chase dispute 3 ''  is the letter I sent Chase, along with the XXXX receipt and " XXXX '' document, to file my third dispute ( for {$900.00} ).
Product: Student loan

I have submitted these requests for corrections to my credit reports, XXXX and Equifax , multiple times now and have yet to see any change. I have even spoken with the collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My apartment was broken into and several ID documents stolen. I filed a police report and have attached a copy to this complaint. I found several inquiries that were a result of this identity theft. The inquiry below is a result of ID theft : XXXX XX/XX/2018 2018
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

Experian will not delete a Tennessee address from my credit report, states that its tied to XXXX and a debt collector account, I live in North Carolina. The information is false and incorrect. And they did not do proper research to correct this issue. They say I can not dispute it. Ive never lived at this address.
Product: Debt collection

Today I spoke with Professional Account Management , LLC to verify the debt that they are trying to collect. 

The debt collector is refusing to verify the debt which is related to identify theft. 

The debt collector is also refusing to take my dispute regarding the debt in question. 

And has harass me and threats to damage my life with phone call, emails, and letter and will not verify that debt. 

The collection agency is only seeking payment of the debt with no verification of the individual and purpose of the debt.
Product: Debt collection

I received a call from National Credit Adjusters concern a debt with speedy cash. I'm not aware of any debt with the company, nor did the stated SSN belong to me. I'm requesting immediate removal from my credit report due to erroneous reporting.
Product: Bank account or service

I made a payment to my account on XX/XX/XXXX. I have sent the bank all of the proof that it was delivered on XX/XX/XXXX. I also provided a copy of the cashed money order that was cashed on XX/XX/XXXX. It was cashed by the bank. It is XX/XX/XXXX and after talking to the bank Rep they claimed that they have n't received any of those items that I have the proof that it was delivered and cashed by the bank. Synchroney Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian score was XXXX on XX/XX/XXXX. Refinanced mortgage, shown paid in full on XX/XX/XXXX with positive status on Experian. At same time I received a notification from Experian that they dropped my score 15 points and another minutes later that dropped me from good to fair. Made over 12 attempts to contact Experian. Was able to get thru 2x. Both calls dropped after being bounced around and on hold for over hour each time. Then today XX/XX/XXXX received notification that report was updated and my new loan was reported dropping score another 3 points. I didn't cash out only refinanced the balance. Experian even states that paying off loans will raise score. I have nearly no debt and certainly less than I did when I refinanced. I had poor service from my servicer XXXX  prompting the refinance. Oddly enough my loan was sold 3x before my first payment was due and XXXX became my servicer again. There is a problem when score dropped 18 points in less than a month. Also the notification from XX/XX/XXXX were no longer there, but I saved them before disappeared.