23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I recently moved from my previous Bank XXXX to Citibank to get the {$300.00} dollars promotion if I deposited {$15000.00} into my checking account. So I took my entire lift savings of {$20000.00} dollars from XXXX into Citibank, through a cashier check. 2-3 days later I tried using my Citi debit card to buy medication for my mom because shes in the hospital, it stopped working. I immediately called Citibank and found out my account is frozen due to suspicious activity. Citibank told me that this problem would be resolved within 24-48 hours. It has been 4 days. I even offered to provide any documents necessary to expedite the process. Every time I call they keep telling me it will be 24-48 hours, they would actually hang up on me. Please help me, this is my entire life savings and I dont have any form to pay my bills and I would hate to lose my home. They are holding me hostage right now. I honestly feel like I was scam from Citibank. I feel like Im not the only one Citibank is doing this too. Please help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has collections that I disputed its been a significant amount of time exceeding 30 days that I have disputed these accounts I am asking for these accounts to be removed Confirmation # XXXX was submitted XXXX Confirmation # XXXX XXXX Confirmation # XXXX XXXX According to the fair credit reporting act a Bareau is required too complete there investigation within 30 days if they do not the negative item must get removed I am willing to take legal action if it is not removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is more of additional information to a previous complaint # XXXX. In that complaint I reported that XXXX claims they can not find a file using my identifying information. In other words, I don't have a credit file according to XXXX. However, just today I received something from XXXX that belies that claim. What I received today is a confirmation # XXXX where in they assert that they resolved my earlier claim, which was that they are reporting my credit data incorrectly. Specifically, they are FAILING TO report a DISMISSED bankruptcy in XXXX and a later DISCHARGED BANKRUPTCY IN XXXX XXXX. 
So now, with their accurately mailed confirmation to XXXX XXXX they have proved they have my file. But they are still reporting inaccurate data in my file. 
After wrestling with this for over 6 months, I ready to say that XXXX is INCAPABLE OF COLLECTING AND REPORTING PUBLIC INFORMATION. WE ARE KNOW ABOUT THEIR INABILITY TO KEEP DATA CONFIDENTIAL.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the following companies have violated my rights : Credence Resource Management- XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I did not give not give written and/or verbal permission for any consumer reporting agency to furnish or provide information concerning any of the above accounts. 

I have also requested a validation of a debt to prove the accuracy of this debt and the original contract for the debt which has not been mailed to by US mail. To this date, I have not received disclosures about the debt, including the amount owed and the that I have the right to dispute the debt. Not to mention, the date of last activity on a debt is inaccurate in which no proof has been provided to me. I did not receive notification by US mail on the dates that have been listed on my credit report. 
I believe that Sections 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681s-2 ( a ) have been violated. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one account was removed from my credit report in XXXX of XXXX, and reappeared in XX/XX/2020. It showed 30 days late back in XXXX when I called to find out what was going on they advised I called to close the account. Ive never contacted capital one to close the account, that was the first line. I was unable to view the account online to even make a payment. The access was restricted. They sent me information to review my information to verify if this account is mine. I was locked out of my account for months, received no statements had no idea what was going on with the account. I finally was able to get access to account in XXXX after months of no assistance. I was denied access to my account, they removed the account from my credit report and added it back closed with a 30 day late that was originally XXXX they updated it to XXXX once in the beginning of XXXX before the payment was even due and towards XX/XX/XXXX. The reporting is inaccurate. The account has been closed since XXXX yet it was just updated this month XXXX as being closed. So Capital One reported my account being opened for months when it never was opened.
Product: Student loan

American Student Assistance ( ASA ) and the U.S. Department of Education have been attempting to collect on an alleged federal student loan in the amount of {$5500.00} ( XXXX ) with no valid promissory note. The law explicitly requires that any electronically signed notes are not acceptable unless there is proof that an electronic signature was affirmatively authorized. I have been attempting to obtain a valid note for years with no resolution. I have now written more than 20 letters since XXXX regarding the alleged loan requesting a copy of an actual signed promissory note or proof that I affirmatively authorized an electronic signature, but they have not been able to produce either. All they can provide is a note with the typed words Electronic Signature on File. No note - no debt. They are ignoring my repeated requests and have filed a garnishment with the Social Security office and funds are being deducted from my monthly Social Security check. They attempted to garnish an income tax refund, but it was denied. The alleged debt is invalid with no promissory note or proof that I affirmatively authorized an electronic signature. Also, the alleged debt has now grown considerably with interest over the years as ASA and the U.S. Department of Education are stalling and can not produce a valid note. Another rather suspicious problem is that the loan holders and loan numbers have continuously changed over the years making it very difficult to follow any accounting of the alleged loan. There is also an alleged loan with the Florida Department of Education for which they can not produce a valid note either. It would seem likely that this issue may have potential as a class-action lawsuit. I am probably not the only person dealing with invalid promissory notes from ASA and the U.S. Department of Education.
Product: Credit reporting or other personal consumer reports

I am sending to dispute late payment entries that appear on my credit report for the following 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  {$640.00} The report indicates that late payments were made on these accounts. However, I have reviewed my records and can confirm that all payments were made on time. I am requesting that the late payment markings on these accounts be updated to reflect my accurate payment history. 
If there is any confusion or if additional information is required to resolve this issue, I suggest you contact me directly or reach out to the customer service department
Product: Credit card or prepaid card

Date : Applied for a credit card on XX/XX/XXXX with XXXX XXXX. 

Summary : After application, I did not receive bill by mail or e-mail. Never used the card after receiving the card. Did not receive notice when amount was due. Bank representatives called to warn but refused to send written notice or explain why notices never came. I was clueless about how to make payments. Do not know how to cancel the card. 

Actions : I applied for a XXXX XXXX credit card for an in-store purchase on XX/XX/XXXX. The item purchased was {$27.00}. I left my e-mail account, mail address, and phone number with XXXX XXXX in the application. The card was mailed to my address. However, I never received a physical bill statement or electronic notice. The amount became due on XX/XX/XXXX. I failed to pay because I incorrectly assumed I could not use the card before it was delivered to me and that I had paid for the item with another card. Around XX/XX/XXXX, I received an anonymous phone call regarding late payment. I was worried and promised I would go home and check. After I got home, I realized I did not have a statement to verify the amount and not even the company to which the amount was due. I couldn't call back because the number was anonymous. In XX/XX/XXXX, I received another anonymous phone call. I asked the lady to send me a written notice about the bill and all relevant information. The lady said she did not have my e-mail account. I felt incredulous as I kept getting XXXX XXXX promotion e-mails. I asked why I had never received a mail about the bill. She refused to confirm mail address with me. At some point, I lost connection with caller because I was on subway. Again, I couldn't call back since it was anonymous. I called XXXX XXXX and found out the company was not in charge of credit card services. I searched online and finally found a webpage to " register '' for the card I applied with XXXX XXXX. It was only until then that I learned the real card company -- XX/XX/XXXX. I finished the registration process and paid the full amount on the website. I wondered why the bank could not give me proper notice. My credit score went down. And this is the first time I ever had a late payment in life.
Product: Debt collection

Capital One Auto is sending emails and text messages threatening to repossess my XXXX XXXX XXXX and still reports this balance as still owed to the credit bureau, after they have reported it as a charge off on my credit report on XX/XX/XXXX and closed the account.
Product: Credit reporting or other personal consumer reports

My credit report is reporting several wrong personal identifiers in my file, which may jeopardize my identity if its not changed immediately! I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things are really harming my life. My only name is XXXX XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX XXXX. Also, my current address is XXXX XXXX XXXX XXXXXXXX, MA XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXXXXXX XXXXXXXX XXXX XXXX MA XXXX is not accurate and should be removed immediately. I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate.
Product: Credit reporting or other personal consumer reports

I Pulled my credit report on XX/XX/year> and I saw on public record of bankruptcy. I checked the laws and my rights and the court and no one authorized the credit bureau nor reporting agency to list a bankruptcy on any bureau 's there is no subpena, there is no court order there is no written consent from myself nor Bankruptcy court. They stated to me they don't touch anyone credit report they have their own platform they don't do third party reporting.The bankruptcy 15 us code 1681b states this is not apart of a credit report .It has nothing to do with credit so why is it reflecting. I need this deleted immediately or I will excercise my rights and request for penalties
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased the " XXXX XXXX '' product from experian and paid each month for a membership that provides protection for identity theft/fraud. Experian has refused to provide access to this product. They are selling a product they do not have, as evidenced by my repeated video taped calls to their customer service number, the " fraud hotline '' number provided in the membership info ( see attached ) and their dispute number. Each call has resulted in numerous hours on the phone attempting to resolve the fraud on my report. If any resolution is provided, it is undone the next month. Disputed items are reposted to my 3 bureau report 1 month later. They also double bill my credit card each month.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding multiple inaccuracies on my Experian credit report, including incorrect account balances, late payments that are not accurate, and other erroneous information associated with accounts in my name. 

I have taken several steps to resolve these issues : Past Disputes : I previously disputed incorrect names and addresses on my credit report. However, when I requested copies of past credit dispute records and results, Experian provided only limited or incomplete documentation. 
XXXX Challenges : Despite multiple attempts to resolve these inaccuracies with Experian, I was informed that speaking with a live person to address disputes is not an option. This lack of access to live support makes it impossible to fully address the issues or understand dispute outcomes. 
These barriers are preventing me from effectively correcting errors on my credit report, which significantly impacts my creditworthiness and financial standing. 

I am requesting that Experian : Conduct a thorough and accurate review of all disputed accounts. 
Provide full and complete records of all past disputes and their resolutions. 
Ensure a way for consumers to communicate with a live representative to resolve disputes properly. 
Please address this matter promptly and provide clear steps to ensure these inaccuracies are corrected and that future disputes can be properly resolved.
Product: Credit card

Received call on XX/XX/24 at around XXXX I think from a XXXX XXXX concerning opening of Credit card in amount of {$9500.00} on a Chase Freedom Card in XXXX  Card ended in XXXX Gave me a case no. of XXXX. He indicated I would need to contact you and the next thing I know is I am supposedly talking to someone from your operation. Felt like it was a scam trying to get my personal information So I hung up and immediately call back. I was not very nice to him. Received call today same thing hung up on XXXX and tried to call you guys. No body works today accordioning to recording Please text before calling to assist XXXX and myself during normal working hours please
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A 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

my name is XXXX XXXX, and i am from XXXX, i was a victim of XXXX XXXX, and while i was a XXXX XXXX XXXX XXXX my identity was being obtained, i am filing for section 605c in regaurds to support my clAIM in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am becoming extremely frustrated with the companies in question in this complaint. I have sent them a multitude of complaints on the alleged accounts and have failed to receive the proper responses on any of them. I am attaching all documents necessary to have these accounts listed on my credit report removed and I would like that to be done so immediately. These accounts are causing harm to my ability to sustain proper employment and housing. Please remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Balance : {$1700.00XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX A XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After several dispute letters and two FCRA rights under section 609 : Include a statement indicating that I am exercising my right under the FCRA, section 609, and they I am requesting all information related to debts listed on my credit report. State that I am entitled to all documents related to each item, including each original credit application and contract containing my signature. Request for removal. In addition to requesting information about items in your credit report, include a statement reminding the credit bureau that if they can not verify an item by locating the original contract or other documents necessary to validate a given item in your credit report, they must remove that item within 30 days.
Product: Credit reporting or other personal consumer reports

Experian 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 Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit card

In XXXX I saw a purchase in my account from spirit airlines which was never used and I reported a dispute to the transaction. With that a claim was opened and temporary credit was issued to my account on XX/XX/XXXX or XXXX. After a few weeks i checked the status of the claim and was closed. I didnt receive any mails or letters or calls before the claim was closed. When i called the customer care they said had received purchase documents from the merchant as proof of using their service. I said I didnt receive a letter so they sent the mail again and they asked me to check the alerts in the app for the documents i went to the app and checked the alerts under inbox and i didnt see any documents. So i waited for the paper document. When i received i checked the documents and it was total fake. I had all the proof in the document with incorrect phone number, incorrect email address, there were XXXX tickets departing from same airport 3 days apart. Where would i travel from an airport come back and again travel from the same airport when i dont even live there. There was no other passenger information than me. It said the tickets were booked from android. I dont even use android phone. I have only XXXX since a decade. Creation date if the tickets was XX/XX/XXXX but the purchase date is the XXXX. Even if I had purchased the tickets on the XXXX how did the ticket get created on the XXXX XXXX. When i go to their website the reservation doesnt show anything apart from my name. The reason given was that i cancelled the flight too late was 7 days prior the travel date or XXXX hrs from the reservation. And according to them the tickets were cancelled on the XXXX. According to their ticket if I made the purchase on the XXXX and cancelled on the XXXX then I am still eligible for a full refund. All this is clearly a fraud and unfortunately the Bank of America doesnt even have responsibility towards their customer to resolve the issue even after sharing these details 3 times all their customer representatives say is that they can reopen the claim and thats it. Even if I want to escalate there is no way. Even if I have to speak to someone who actually investigates there is no way. They simple take their customers for joke.
Product: Credit card

Early in XXXX the scam artists took out a personal loan on a Citi bank card. I was not even aware of it. I think they deposited it in my account, telling me it came from somewhere else. They told me to withdraw it and send it to them. I was not aware of this as a personal loan. Till much later.
Product: Checking or savings account

My VA just bill the check was sent as direct deposit and shouldve been made available on XX/XX/XXXX. My deposit was not made available because just before that my account was compromised and some fraud committed on my account. VA XXXX check is the only income I can receive according to the VA I am XXXX XXXX XXXX XXXX, so they are holding the funds. I have it will not let me access them before the deposit was sent they told me the fraud caused the account to be locked which she did, and then the deposit would be returned back to sender, which was not they kept the deposit in my account.
Product: Credit reporting or other personal consumer reports

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 
I request a thorough investigation into all inaccuracies present on my credit report. These inaccuracies include erroneous account information, inaccurate payment histories, and incorrect personal details. Furthermore, I ask that you take appropriate action to delete or correct these inaccuracies promptly.
Product: Credit reporting or other personal consumer reports

I demand that XXXX XXXX complies with the Fair Credit Reporting Act and delete the referenced account from all of my consumer reports. Pursuant to section 623 of the act, it states that once a data furnisher receives a dispute from a consumer that specifies what they are disputing, explains the basis of the dispute and supply supporting documents, the data furnisher MUST either modify the item of information or delete it. I am demanding that it is deleted as it is inaccurate, incomplete and unverifiable. Please see attached exhibit ). Pursuant to 623 ( b ) ( 1 ) ( D ) and subparagraph ( E ) ( ii ) the data furnisher ( XXXX XXXX XXXX ) MUST remove the item of information from all consumer reports. If this does not get resolved promptly, I will seek legal action for FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested debt validation which was never received. I also sent validation letter via certified mail. The account was removed from XXXX  but remains on others. This debt was never validated and is in violation of fdcpa