23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Dear Sir, I have paid off my complete balance amount and closed the individual citi bank credit card on XX/XX/18. Again, citi bank came up with foreign transaction fee and statement generated on XX/XX/2018. As per the statement, I have paid foreign transaction fee on XX/XX/2018.  But, Citi bank has tendency of destroying transactions and stopped generating statement for the amount paid on XX/XX/2018. I have been waiting for the XX/XX/XXXX statement and transactions taken place on XX/XX/2018. I checked online account and also USPS mail, there are no transactions displayed in my account between XX/XX/XXXX and XX/XX/2018, also no statement generated between XX/XX/XXXX and XX/XX/2018, complete my transaction details missing. I called up CIti bank customer care and their response is not appropriate and unsatisfactory. I am not sure, why Citi Bank causing troubles to customer and every last statement and transactions missing in my individual closed credit card. For any kind of fraud and tampering my individual credit cards, citi bank holds the legal accountability and responsibility. Could you kindly direct Citi Bank to update my XX/XX/XXXX Statement'XX/XX/2018 and transaction online for individual credit card, send me on copy of XX/XX/2018 statement over the postal service and also attach the XX/XX/2018 statement to Consumer finance protection bureau complaint 's response.
Product: Debt collection

Wells fargo HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$0.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX is falsely reporting my account history. THEY have not reported correct payment history with the original creditor. The credit bureaus are not verifying the accounts on my credit file correctly. I have attached the discrepancies with these accounts from my credit report. The information is inconsistent and illegal. These accounts should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and TD Bank USA/Targetcred, XXXX, and XXXX XXXX XXXX. The Account Opened is TD Bank USA/Targetcred Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Payday loan, title loan, or personal loan

I applied for a checking line of credit for {$5000.00} from Pen Fed but was denied citing " Limited credit experience '' but I feel I have been discriminated against due to my age. I believe the baby boomers who are processing these applications are jealous and will not believe that a Generation X young woman is making more than any of them in their entire career. 
My credit score with XXXX is XXXX ; XXXX  is XXXX ; and XXXX  is XXXX. I have a 100 % payment history with all of my accounts. My car loan was just refinanced by XXXX XXXX  and went from 11 % to 5 % because of my favorable credit history. I have a XXXX XXXX credit card in excellent standing with a {$0.00} balance of a {$1500.00} credit limit. I have an XXXX store account in positive standing. I have a XXXX credit card in positive standing. And a XXXX XXXX card with a {$0.00} balance in positive standing. My student loan balance doesn't exceed $ 10k and they are in positive standing as well. I work as a XXXX XXXX for XXXX XXXX and my annual salary is $ XXXX. Prior to obtaining this position, I worked as an entry level XXXX XXXX for XXXX grossing $ XXXX annually. I have no issues with my credit, no issues with my payment history or my ability to repay any loan and significant income coming in monthly.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Navient is a creditor I have never taken a loan out with. I filed a complaint about a year ago and no resolution was solved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All three parties were not involved in the process and things with the loan. Principal Debtor, Implied Surety, and creditor. My next step is to submit a Notice of exoneration, Bill of equity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports and observed the account - XXXX XXXX XXXX - remarked the credit line was closed with a past due balance of {$920.00}. In XX/XX/XXXX, the account was listed as 30 days late. In XX/XX/XXXX, the account was listed as 60 days late. In XX/XX/XXXX, the account was listed as 90 days later. In XX/XX/XXXX and XX/XX/XXXX, the account was listed as 120+ days late. Then, from XX/XX/XXXX to XX/XX/XXXX, the account has been reporting a failure to pay.

I disputed the account on two occassions with credit bureaus, XXXX and XXXX  respectively, in XX/XX/XXXX then 30 business days later in XX/XX/XXXX. The previously mentioned bureaus and XXXX XXXX XXXX failed to send verifiable proof of the debt after both investigations.
Product: Checking or savings account

I am filing this complaint to raise concerns about XXXX XXXX and Bank of Americas policies, which I believe unfairly restrict consumer choice, violate personal privacy, and coercively limit the financial autonomy of non-employee family members of BofA employees. 

Ive held a brokerage account with XXXX XXXX for nearly 20 years. My investing behavior has been simple and consistent : Ive only held two broad-market XXXX XXXX XXXX XXXX XXXX ), with no trading activity that would raise insider trading concerns. 

I now want to move my account to XXXX XXXX, where I do the rest of my banking, and where I believe I will receive better service. That decision is not just about preference Ive recently experienced significant delays and failures while trying to make retirement contributions through XXXX, and I should be free to leave based on poor service alone. 

However, because my spouse works at Bank of America, I know that any transfer request will be subject to XXXX internal exception process. Ive been through that process before and know it to be vague, burdensome, and inconsistent. Ive previously received exceptions for specific investments but was denied the ability to manage my broader portfolio freely. I should not have to go through that process again just to make a basic financial decision. 

Worse, the process requires disclosure of my spouses identity and employment details. As a non-employee, I find that requirement to be an unjustified invasion of my privacy. Im not asking for special treatment Im asking to be treated like any other consumer with the right to choose where I manage my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15. U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

This company contacted again someone I know that is not related about debt that I supposedly owe and if they had information about me and if that they could contact them. This is their second attempt at doing this. I filed a previous complaint about this company back in XX/XX/2023. They need to stop these communication tactics which is illegal. And its the same person XXXX XXXX. They are calling people that I dont even associate with.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed there were unauthorized accounts reporting
Product: Credit card or prepaid card

Gap store ( Synchrony Bank ) closed my account because I was making payments with automatic payment since XXXX never missed a payment, I stopped the automatic payment in XX/XX/XXXX and made manual payments for XX/XX/XXXX and XX/XX/XXXX, they said I never stopped the automatic payments so you can't have two stop payments in a 12 month period even though I made the payments manually, they still closed my account without notifying me telling me that there was a problem with the automatic payment, I didn't know what was going on, I had talked to four representatives they had me thinking I missed two payments when I didn't, they said they can not reopen my account because I should've removed the automatic payment. Now it's gon na be on my credit report as a closed account, when I never missed a payment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

Account number : XXXX Late payment : XX/XX/year> Remove from my EQUIFAX personal credit report! I have asked XXXX times at this point since 2022. Why hasn't it been updated? 

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX City, State Zip Dob : XX/XX/XXXX SS # XX/XX/XXXX XXXX XXXX  Acct # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX Account Number : XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 
The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on XX/XX/XXXX Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( 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.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to file a complaint regarding inaccuracies on my credit report. Despite my efforts to resolve these issues directly with the credit reporting agencies, the incorrect information persists, and I am seeking your assistance in rectifying these errors.

I have identified the following inaccuracies on my credit report : Incorrect Name ( s ) : Name ID # XXXX XXXX XXXX, Name ID # XXXX XXXX XXXX XXXX, Name ID # XXXX XXXX XXXX Incorrect Address ( es ) : Address ID # XXXX Incorrect Phone Number ( s ) : ( XXXX ) XXXX - XXXX ( XXXX ) XXXX Incorrect Employers : XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 et seq. ), credit reporting agencies are required to ensure that the information they report is accurate and up-to-date. Specifically : FCRA Section 1681i : This section mandates that consumers have the right to dispute inaccurate or incomplete information, and the credit reporting agency must investigate and correct or delete the information if it is found to be inaccurate.

FCRA Section 1681e ( b ) : This section requires that credit reporting agencies follow reasonable procedures to ensure the accuracy and integrity of the information they report.
Product: Vehicle loan or lease

today XX/XX/2020 I poke with Supervisor XXXX employee # XXXX about my account and late fee and why my payments are not going to the principals and he stated since I apply for the COVID -19 my interest is 87 days late and I owe them {$15000.00} last payment  made was XX/XX/2020. Covid-19 was on the XXXX and XXXX XXXX.and per day my interest is {$17.00} my due dates are the XXXX of each month and for the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payment of {$720.00} was applied to the interest, not to the principal. 
right now I still own money for the interest for XXXX and XXXX since I applied for the covid-19 that's not fair.
Product: Money transfer, virtual currency, or money service

In the month of XXXX of this year XXXX a person I do not know with XXXXXXXX XXXX XXXX  times from my PayPal account. The name is XXXX XXXX. I do not know this person. The amount that he took out was {$160.00}. Paypal says this is an authorized transaction, but I dont not know this person in this person took money out of my account and will on a different occasions. {$20.00} here {$25.00} there.
Product: Debt collection

I sent the company and they didn't want to except a second payment. They wanted me to sign up for credit repair saying there were a lot of regularize on my credit report and with the XXXX XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I have contacted XXXX XXXX, XXXX, Transunion, and XXXX. About a XXXX XXXX Bankruptcy. I told them under US Bankrupurcty courts. The court do not verify and do not report to the credit the credit bureaus. I just want the information on my public record to be remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a live single human being typing this narrative! In accordance with the Fair Credit Reporting Act. The list of accounts below have 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 Have 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 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 the information is inaccurate.

These accounts are reported as verified however In 15 U.S. Code 1681a - Definitions ; rules of construction it states ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

According to the FCRA, the consumer credit bureaus are to conduct a proper investigation by interviewing my friends, family, and associates in regards to my credit information and verifying it as accurate, this was never conducted which is another violation. 

The accounts : 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 XXXXXXXX Are illegally reporting as a C or CO for collection and charge off on my credit report.

I have named at least 5 violations the credit bureaus have made on my account. I have attached the images in this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX this account is reported as closed but still on my credit report reporting as a C which is illegal, this needs to be removed.
Product: Debt collection

I obtain a copy of my credit report. XXXX is showing a bill for {$1300.00}. I have never been notified of this debt. I have disputed this with the credit bureaus and was advised this had been validated. No information has been provided to me with proof of the debt
Product: Mortgage

On XX/XX/XXXX my mother and I went the bank to refinance her existing HELOC to prevent it to going into the end of the draw period that will end XX/XX/XXXX, which will increase her payment substantially. You may be eligible to refinance your existing HELOC they wrote. The bank opened the loan on XX/XX/XXXX. 
My mother, at that time, was elderly, XXXX XXXX XXXX XXXX had XXXX XXXX. With her debt free home she was easily approved. 
Armed with credit scores in the high 700s as well as a fifteen year history of no missed payments, the banker thought it would be no problem to be approved to refinance the loan as we could not afford a {$900.00} per month increase. 
On XX/XX/XXXX I was told the underwriter found a {$1000.00} credit card debt from 20 years ago I had not paid. I said that was a mystery to me but I would be glad to pay it now. He said once you do not pay us we will never give you any credit. Your mother is however, approved. 
Few days later, we received a letter from their corporate off that she was denied credit because Applicant has poor or no previous experience with the credit grantor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit fraud alert on my account. Credit is still being ran and inquiries are being made om my report without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I think FCRA 605B tells us we need to delete any wrong accounts from my credit report. Can you see the papers? Some of the listed accounts have wrong amounts and dates.
Product: Student loan

Navient has been collecting for 10 yrs payments for XXXX loans we received [ all in 2006 ] ... ... the balance of all three loans right now are greater [ each loan ] than what originally was borrowed [ XXXX loan is now XXXX greater!!!!! ] We 've paid XXXX 's of thousands of dollars in the past ten years and show NOTHING for it!!!
Product: Credit reporting or other personal consumer reports

I received notifications from several credit monitoring companies stating that I had a new hard inquiry on my credit report. Upon investigation, I found that I had two hard inquiries from the same company, Capital One, for two different dates, XX/XX/XXXX, when I opened a new card, and today, XX/XX/XXXX when no new changes had been made nor accounts been opened. I called XXXX and opened a dispute at their recommendation when they found no new account associated with the new hard inquiry. They informed me that I needed to make a report here in order to have the hard inquiry removed following their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2019, I disputed an inaccurate account on my Transunion Credit Report which is hindering my scores and my process to purchase a home. They are reporting a Chapter XXXX Bankruptcy on my credit file. They sent me back a letter stating that the information was verified by the USBK COURT OF XXXX XXXX. However, when I sent a letter to the USBK court asking their procedures on verifying or furnishing information to Transunion. The Court sent me a letter back stating they DO NOT provide information to credit reporting agencies. 
Furthermore, I have provided examples on where appellate courts have found the use of automated or XXXX verification or legally referred to as 'Data Conformity Review ' of a disputed debt is unreasonable, illegal and in violation of the Fair Credit Reporting Act. 
So now, the question becomes how did Transunion verify an account that is inaccurate at the very least? 
I ask that Transunion remove this inaccurate information and account from my Transunion credit report.