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

Hi, I was viewing my credit file when I noticed my student loans are reporting inaccurately. I have loans through XXXX currently. In the past I had loans with XXXX as well. A couple of years ago I transferred all of my loans to my preferred lender Dept EDXXXX XXXX which is XXXX. 

XXXX  status should be reported as closed - Transferred. 

XXXX - should show is open. 

However, my credit report shows ( 5 ) XXXX  accounts closed which is -inaccurate -duplicated reporting - because the closed reporting of dept Ed/ XXXX is the same exact XXXX open accounts. 
- showing the same loans open and closed is on accurate reporting. 

I should only show ( 2 ) closed educational loans. Which are XXXX. 

Please update my credit file correctly- this reporting is incorrect and hurting my credit file. Thank you.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section XXXX ( a ), if these issues aren't investigated within XXXX days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this account with XXXX, EXPERIAN and XXXX and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!
Product: Credit reporting, credit repair services, or other personal consumer reports

My formal complaint about this account, XXXX XXXX XXXX, for reporting false information on my XXXX XXXX XXXX XXXX and Equifax credit reports. It also mentions in the credit report that this account has previously been sold to a collection agency but never states to which collection agency, and yet they're still reporting. 

The FCRA law requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate or that the furnisher has reasonable cause to believe is inaccurate.
Product: Money transfer, virtual currency, or money service

Coinbase Wallet Swap failed First transaction fail hash XXXX Second transaction fail hash XXXX Using CB wallet conversion I converted XXXX USDc to RSR and I did not receive my RSR and now my USDc is gone Second hash I converted {$2000.00} worth of rsr to usdc and did not receive my USDc now my rsr is gone. 

Im out {$4000.00} I opened a complaint 6 days ago with Coinbase and no response. I also reached out to XXXX where the transaction takes place and they said transaction was reverted and it is a Coinbase issue. I have screenshots of the money not showing in my wallet as well.
Product: Checking or savings account

On XX/XX/XXXX I received an email stating that I had opened an account at Bank of America. I had not opened an account personally from them and I do not have any information about who has opened an account in my name. 

Over that day and today ( XX/XX/XXXX ) I have received more emails saying that information has been changed. I have information to go on and now I am worried about potential long-term credit and banking fraud. 

I was not able to connect with anyone from Bank of America in person, only through automated services. No one is willing to communicate through phones. The only one who has communicated with me is Bank of America through their XXXX, which is completely unacceptable and I'm unsure whether or not they are real. 

The " person '' on XXXX said that they will take care of it, but they have not given me a claim number or a confirmation that the account has been closed.
Product: Credit reporting or other personal consumer reports

FTC- I have disputed these fraudulent inquiries multiple times with EquiFax and they kept ignoring my request. So, Im filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

On XX/XX/2018 I had an automobile accident. From the date of the accident until now, the auto loan company credit acceptance no longer dealt with me. They sent the wrong amount owed on my vehicle to my insurance company and in return collected the wrong amount owed. They then tried seeking collection from me In which i filed a complaint against XXXX with the Arkansas board of insurance. They contacted XXXX whom paid this vehicle off in full. This should not be a negative impact against my credit. I was not at fault for their miscommunication and now I'm suffering from the effects. Please help me remedy this situation.
Product: Credit card or prepaid card

On XX/XX/2019, I called Citibank Customer Service and disputed a charge on my Mastercard account in the amount of {$840.00} dated XX/XX/2019. Advised them that the charge was not authorized by me and payment was not owed to the CC Merchant. 
I did not receive a written acknowledgment from Citibank and called them again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I received the first notice/letter from Citibank by e-mail, wrongfully asking for 'proof of payment ' for the purchase though other means. On XX/XX/XXXX, I sent a letter to Citibank ( USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), with copies of my e-mail correspondence with the CC Merchant disputing the charge. Citibank gave me a temporary credit of {$100.00} on XX/XX/XXXX, which they told me was a mistake, with two contradictory explanations. On XX/XX/XXXX Citibank gave me a temporary credit of {$840.00} and reversed the temporary credit of {$100.00}. On XX/XX/XXXX, Citibank debited my Mastercard account, with the amount of {$840.00} plus interest, for the reverse of the temporary credit given on XX/XX/XXXX. On XX/XX/XXXX, I received a notice/letter from Citibank dated XX/XX/XXXX, stating : - " due to the amount of time that has passed since this charge was first billed to your account, we no longer have any recourse to obtain a credit on your behalf ''. On XX/XX/XXXX, I sent a letter to Citibank ( USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), describing the events surrounding the dispute and demanding a permanent credit of {$840.00} plus interest. 
Citibank was negligent in handling my Mastercard dispute and I request the assistance of CFPB to obtain this credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan was cancelled by XXXX college in XXXX XXXX for non attendance due to student XXXX  XXXX with online classes. And has billed the student for the loan amount.

The college has returned the loan amount to the department of education for non attendance due to XXXX XXXX with online courses.

Navinet is reporting that loan debt on credit report which is inaccurate information due to the fact that the loan amount was return by the college.
Product: Credit card or prepaid card

The company advertises personalized checks, which must be pre-authorized. Beginning in XXXX 2015, I have had multiple, multiple instances where the check verification system was malfunctioning. I would often write rent checks on Saturdays, and when the system was n't working I would be told to call back on Monday for technical support. 

I wrote to XXXX XXXX ( former president of XXXX, and XXXX XXXX ( former VP at XXXX ) over the past two+ years. 

After the last incident, I told Customer Service that I would file a complaint with BBB. Subsequently, XXXX has decided to close my account. I have been filing valid reports with them for over two years about a problem with their systems. Their response is to close my account. 

I see from their BBB history that they have a practice of closing accounts when their customer complains.
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit report that are not mine includingl : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021.
Product: Debt collection

This is my final attempt at resolving matter with XXXX before I file the federal lawsuit attached to this complaint.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 60 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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 8
Product: Credit reporting or other personal consumer reports

Hello in accordance to the Fair Credit Reporting Act, The accounts listed below have violated my federally protected consumer rights per 15 USC 1681 to privacy and confidentiality, as well 15 USC 1681 b : Permissable purpose, 15 USC 1681 ( 5 ) Charge off violation. 
I have requested that XXXX, XXXX and Equifax reinvestigate these accounts : XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX ( XXXX XXXX ) XXXX XXXX Acct # XXXX ( Reinserted onto credit file ) Yet they have stated that everything was accurate and complete. When it still reflects on my credit file the open date, date of last payment, date of last activity as well these account are reported as ( Chargeoff status ) And per FCRA a charge-off and charge-off should be accurately reported as such and all collections activity should cease once the account has been reported as a charge-off.

According to 15USC 1681 section 602 A : I have the right to privacy 15 USC 1681 section 604 A : A consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) : NO consumer reporting agency may make any consumer report containing 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 USC 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a 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 XXXX XXXX : XXXX SSN : XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan with ( XXXX XXXX XXXX XXXX XXXX for the amount of {$20000.00} ( XXXX ) XXXX XXXX XXXX for the amount of {$580.00} ( XXXX XXXX XXXX XXXX for the amount of {$460.00} ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for the amount of {$110.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX for the amount of {$720.00} ( XXXX XXXX XXXX XXXX XXXX  XXXX for XXXX amount of {$720.00} ( XXXX XXXX XXXX for the amount XXXX $ XXXX accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report.I have listed these fraudulent accounts that are on the report that is being maintained by you.I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number # XXXX # from FTC as proof from US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX DATE OPENED XX/XX/XXXX XXXX  XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$220.00} XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$30000.00} XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3200.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$450.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3700.00} XXXX XXXX  XXXX XXXX DATE OPENED XXXX BALANCE {$720.00} XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$670.00} XXXX  # XXXX XXXX OPENED XX/XX/XXXX - BALANCE {$3000.00} XXXX  # XXXX  DATE OPENED XX/XX/XXXX - BALANCE {$500.00} XXXX  XXXX  # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1100.00} XXXX  XXXX # XXXX DATE OPENED XXXX BALANCE {$500.00} Unauthorized inquiries 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a delinquent account on my TransUnion credit report from XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Tx XXXX ; XXXX XXXX that is not mine. I have attempted to report this fraudulent account to XXXX XXXX, both by myself and with the help of XXXXXXXX XXXX XXXX XXXX but XXXX  will not assist me with locating the fraudulent account to investigate. The account is damaging my excellent credit report with false information.
Product: Payday loan, title loan, or personal loan

This is not my debit and I have let the company know that.
Product: Debt collection

I contacted Collection Bureau of Ft Walton Beach , Inc by phone at XXXX on XX/XX/XXXX to inquire about account number XXXX on a collection letter i received in the mail in the amount of {$42.00} from the creditor XXXX XXXX. I asked the representative to verify the debt because i have never been to an office with that name. She stated it was for my daughter XXXX XXXX, who is an adult. I asked her why was this put on my credit. I filed for bankruptcy in XX/XX/XXXX ( case # XXXX in XXXX FL district ) and my debt was discharged. She said they did n't get the account until XX/XX/XXXX. This account does not belong to me and I asked her to remove the account. She released the line in my ear. I called back and got VM. I left a VM with my case number and got no call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has reported to a job I have applied for as an XXXX that " too many people have used my social security number ''. Once I learned this, I immediately called the company to figure out what this meant. This company told me that there is nothing they can do about this adverse determination because they get all of their data from XXXX. I attempted to call XXXX to gain assistance regarding this matter, however, no live agent answers the phone to address the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy. 

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

I was subject to identity theft fraud. This account is fraud. I have never had an account with XXXX XXXX XXXX XXXX. Please remove this collection item dated XX/XX/2021 from my XXXX Credit Report. Please remove this from my report within the timeframe of XXXX  days in accordance with the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. I also sent a second letter on XX/XX/2020. It has been 64 days, I've prepared yet another letter and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the ongoing XXXX you've caused me. As a courtesy I have listed the inaccurate accounts in question below : 1. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX 3. XXXX  XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX 5. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX 7. XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX Please remove these items from my credit report. They are displaying false and misleading information about me!
Product: Credit card

Citibank 's mobile app does not allow one to view payments or pending payments. This makes it more likely to submit double payments. There is no warning against submitting a double payment. This makes it likely that the credit card bill is double billed creating overdraft issues for the payment ( checking ) account. 

I had this problem and contacted both institutions ( Citi credit cards and the checking account ), but the double payment was never removed from Citi despite multiple calls. When I tried to make the next monthly payment, Citi said they reprocessed the double payment, and they could do nothing about it. I found XXXX in the Florida office at Citi customer service very unhelpful when this problem cropped up again the next month. First I had to get my payment ( checking ) account made " active '' over several calls. Then, when it was active, the double payment from the previous month was charged. If I had just paid my balance in full right away, the double payment from the previous month would have overdrawn my checking account again! I am waiting to see if the double payment is processed before paying that part of my balance at Citi credit cards.
Product: Checking or savings account

On XX/XX/XXXX Citibank closed my account, which as a result caused severe damage. I had credit card payments returned and XXXX XXXX closed my credit card due to it. 


However I was promised my funds will be released 30 days after the date it was closed which, and it's now almost 60 days. 

I called in, first rep told me it's not closed, 2nd rep told me it's only pending closure, 3rd rep told me, I need to speak to fraud department, 4th rep told me the check was already mailed to me. and on and on and on and on!!! 

Every rep just made up a story out of nowhere, meantime I received a new statement in the mail as I will attach and you'll see the statements is from the date after my account was closed and they charged me a $ XXXX monthly fee. 

I consider that to be fraud!!! and even worse there's no one to talk to!! 



My account number with Citibank is XXXX
Product: Bank account or service

I opened a new Citibank checking account on XX/XX/XXXX with a promotion for a bonus of {$400.00} that was associated with promo code # XXXX. The promotion eligibility requirements included an opening deposit of {$15000.00} to be deposited in the account by XX/XX/XXXX. The {$15000.00} qualifying deposit requirement was to remain in the account for 30 consecutive days and the bonus {$400.00} would be deposited within 90 calendar days to the account in the form of a XXXX Interest credit. On XX/XX/XXXX I contacted citi by their listed banking account customer service phone number number XXXX and opened a Citibank Service Request # XXXX to investigate why the account had not been credited with the {$400.00}. I was toldl I would receive a reply within 24-48 hours. After 72 hours, I made contact with representative XXXX XXXX on XX/XX/XXXX and followed up with XXXX XXXX regarding Citibank Service Request # XXXX. XXXX XXXX explained that I would receive further information regarding the account bonus credit. On XX/XX/XXXX I called Citibank at XX/XX/XXXX and spoke with an agent by the name of XXXX and her supervisor that said the back office at the bank was overwhelmed with other customers requests and that I would not receive word for 60 days. This action is very innapropriate as Citibank has now taken over 120 days to pay a bonus that I am entitled to and there is nothing else that I have been able to accomplish in reaching out to various representatives through the online citi portal secure chat via online banking or by calling representatives and supervisors at the citi banking account customer service number listed earlier in this message. I believe Citi is acting in an unfair and unethical manner in violating the terms of their promotion offer.