23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is a discriminatory and retaliatory complaint against Citi cards. 
Citi XXXX access to my credit card during a phone interaction with a rep on XX/XX/XXXX when I indicated I will be submitting a formal complaint with a CFPb XXXX name was XXXX After that, I spoke to his supervisor, which said his name was XXXX, which I believe he is the one who blocked my account. He was sarcastic on the phone, condescending and careless about customers issue. 
He blocked my account to the point where he would just hang up on me without providing any additional information in regards to my own account. The same day I wrote an email to the executive team office of Citi. Days later, the rep by the name of XXXX return my inquiry via phone call where she was completely rude sarcastic in my view. She was also being discriminatory and retaliatory due to the fact that I mentioned that I will be submitting a complaint with the CFPB The company claims they block my card because I tried to add it to XXXX XXXX, which I have done several times in the past without any issues and they could easily verify my information over the phone. I provide passcode. I provide XXXX security questions that they ask each time I call so theres no reason why this time would be any different. Therefore, I come to the conclusion that this company is using retaliatory and discriminatory behaviors. At least their employees are for which false under the company is conducting those bad practices. I will communicate this to the media outlets, such as XXXX and XXXX so they can be aware of what city employees conducting behaviors are I will also submit this complaint to the board of directors of Citi. Not even once rep grace or rep XXXX apologies for these issues. They forget their employees and then who theyre speaking to is the customer there has no cost to Customer Service skills, but most important issue is that theyre being discriminatory in retaliatory when a customer mentions that he will submit a complaint with the federal government agency or agencies such as this case. I am requesting for an investigation in an investigation that is not an executive office that was site with the company. I want a legal entity, a third-party entity to investigate this issues.
Product: Debt collection

On XX/XX/year> Unauthorized, Suspicious and Fraudulent activity was detected by the Credit Bureaus, indicating that the company was reporting false information and monthly inquiry my credit profile without my consent and authorization, This company was reporting an address that is not related to me. This company was reporting a debt that is result of Identity Theft due to XXXX XXXX XXXX. The activity indicates that this company is performing a fraudulent scheme along with others XXXX parties companies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Date : XXXX To : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Subject : Formal Complaint Regarding Credit Reporting Inaccuracies and Discriminatory Practices Dear Sir or Madam, I am writing to formally complain about Equifaxs handling of inaccuracies on my credit report and the discriminatory impact these errors have had on my financial opportunities. Despite my repeated efforts to resolve this matter, Equifax has failed to address my concerns appropriately, which has resulted in ongoing financial harm and adverse treatment. 
The primary issue involves a settled XXXXXXXX XXXX XXXX XXXXXXXX account that is inaccurately reported on my credit file. This erroneous reporting has severely impacted my credit score, leading to denial of housing loans and other financial services. These adverse actions are directly tied to Equifaxs failure to maintain accurate records as required under the Fair Credit Reporting Act ( FCRA ).

Equifax has compounded this issue by sending me repeated stall letters, claiming they require additional identification or are unable to locate my credit file. This is despite the fact that I have submitted my drivers license and other identification documents multiple times, as documented in prior complaints to Equifax and the CFPB. Their lack of resolution suggests systemic negligence or intentional disregard for my rights as a consumer.

Moreover, I believe this situation raises concerns under the Equal Credit Opportunity Act ( ECOA ). By allowing inaccurate and damaging information to remain on my credit report, Equifax has contributed to discriminatory outcomes, such as denial of financial opportunities, based solely on a flawed credit history. This is a form of financial discrimination that disproportionately affects individuals like me and undermines the fairness and integrity of the credit reporting system. 
To further address this issue, I have contacted my local XXXX headquarters to seek advocacy and support. I believe my experience reflects broader systemic issues within credit reporting agencies and their treatment of consumers. 
I respectfully request that the CFPB and FTC : Conduct a thorough investigation into Equifaxs practices regarding my case and others similarly affected. 
Hold Equifax accountable for violations of the FCRA, XXXX, and any other applicable consumer protection laws. 
Require Equifax to promptly and accurately update my credit file to reflect the positive information status of the XXXX XXXX XXXX  XXXX account or delete if from my file. 
Implement stronger oversight measures to prevent future occurrences of inaccurate reporting and discriminatory outcomes. 
Enclosed, I have included documentation of stall letters, Drivers License, ect. I urge you to take swift action to rectify this situation and hold Equifax accountable for their failure to comply with federal regulations. 
Thank you for your attention to this matter. I look forward to your response and resolution of this issue. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted proper affidavit documents and statements and other important FCRA documents to XXXX under FCRA guidelines Section 605B blocking items that are fraudulent. These items were supposed to be dealt with within 5 business days, but it has been since XX/XX/XXXX and then again I submitted in XX/XX/XXXX. I have contacted XXXX, but a foreign representative is the only person I can work with and they just direct my call to another department. I believe they are just trying to exhaust me so I will give up on my fraud report.
Product: Mortgage

I XXXX XXXX XXXX applied for a loan with movement mortgage with my intentions on purchasing a loan for the purchase of my future home.. I applied for this loan on or around XX/XX/2018, and as of today XX/XX/132018 I havent closed on my home yet. I have respond to every email as well as produced everything to my knowledge that I could as well as spoke to the loan processor XXXX and the supervisor XXXX, to make this purchase as successful as possible. I made a abnormal payment of XXXX. Earnest money to secure my attempt of my purchase I have since lost my earnest money and has never been give a denial letter ... this is called to me a NEGLECT OF FUDICARY DUTIES AND I HAVE SUFFERED A GREAT LOSS. I am requesting a letter of denial as well as my XXXX. In earnest Money I have reached out to the Movement Mortage executive office several times and I have yet to speak to anyone to make this an peaceful effort I can be reached at XXXX or XXXX XXXX For more information
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the presence of debt collection accounts on my credit report that are associated with debt collectors who have been banned by the Federal Trade Commission ( FTC ). These accounts are inaccurrate, misleading, and violate federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1692 ET SEQ.

The following debt collectors, who have been banned by the FTC, are currently listed on my credit reports : XXXX. XXXX XXXX XXXX, {$450.00}, opened XX/XX/XXXX XXXX. XXXX XXXX XXXX, {$700.00}, opened XX/XX/XXXX XXXX. XXXX XXXX XXXX  {$2900.00}, opened XX/XX/XXXX XXXX. XXXX XXXX XXXX, {$260.00}, XX/XX/XXXX These entities have been prohited from engaging in debt collection activities by the FTC due to unlawful practices, including but not limited to deceptive, abusive, and unfair practices in violation of the FDCPA and the FTC Act, 15 U.S.C. 45. Despite their banned status, their acccounts continue to appear on my credit report, causing significant harm to my creditworthiness and financial well-being. 

Also, I have asked repetitively that addresses XXXX XXXX XXXX, XXXX MD XXXX AND XXXX XXXX XXXX # XXXX, XXXX MD XXXX be removed from my reports as i have updated my address with necessary creditors, and these addresses are still being reported in my reports.
Product: Mortgage

My ex husband bought a home in XXXX of 2013, using his VA loan. The bank he went through is called Freedom Mortgage. This house was bought in New York. I noticed the house has been put on my credit. I was no where on the loan agreement.
Product: Checking or savings account

Hi XXXX XXXX here. Im submitting this complaint on credit karma money account. I filed my taxes as i always do with turbo tax never had a problem until this year i did the refund advance so i had to have it deposited into credit karma account well i waited and never heard anything to find out i wasnt getting the advance well they ended up locking my account right after my taxes went in after they told me i wasnt gon na get them there. Long story short i was waiting on that money for bills and my XXXXXXXX XXXX. I have lost my place to live and all now there saying i got my money out of this account that was frozen or locked and they never would let me. This is wrong that was {$4.00} thousand dollars. I needed and still need. I just want intuitt to do whats right and give me my money them or someone stole my XXXX XXXX XXXX XXXX XXXX XXXX  This has caused my family alot of pain and suffering. I dont know what else to do but i need my money i worked and paid taxes for. This ia not right its like they just stole my money. I did nothing wrong to havr my account locked. Or my money kept or stole apparently my account is negative and it was froze
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX, XXXX XXXX XXXX Voluntarily closed 2 of my accounts a visa and a mc that were in good standing with low balances. I was trying to make a payment and then agent overseas didnt want to take the payment from another bank account. She he said well its done. 30 Minutes later I received an email saying that they apologized that I wanted to close my account. I called back and they told me it was too late i cant open it back up. 

They put on my credit report right away, I disputed the account and they found that the company voluntarily closed account they removed. LVNV added the account back to my credit file. I disputed. Credit bureaus keep coming back saying verified, when it was not. It cant be verified because on XXXX  its listed as XXXX  XXXX XXXX XXXX on XXXX  and XXXX  it listed as LVNV Funding LLC. 

I disputed again, Credit stated that once again it was verified, but at the bottom says verified from last inquiry. 
I called in XXXX, no help. Called XX/XX/XXXX and told them to verify my debt. They mailed me to pages that just had a current amount, but nothing was itemized. I called again in XXXX to verify, they sent me a bill from XX/XX/XXXX that had revision to kinda match the price that they wanted me to pay. 
I advised them that I need the bill from XXXX when it was first closed. They refused. I called XXXX XXXX XXXX directly and was told that they can not help me. 
Lately I started receiving email, stating that they are going to forward to the local attorney.
Product: Debt collection

I sent a certified letter with signature receipt asking them to for proof of verification and every month I have to file the same complaint as they keep sending me the same letter and do not comply with what I am asking for.
Product: Student loan

{$21.00}, XXXX In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : 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 card or prepaid card

I do not have any late payments listed against my closed account, but there is still a delequency listed against my account. 

I have reached out to the credit card company countless times and they have verified that there are no late fee payments against my account. I have requested them to remove the delequency against my account since I have no late payments. But there is no update to my account so far. They promised to give me a good will letter, but instead I received a letter saying this report can not be generated. 

My score has gotten greatly affected by this and I am currently struggling with my loans currently because of this. I used to have execellent credit score in the range XXXX and now it dropped by XXXX points because of their error. It has made my life very difficult
Product: Debt collection

Ive been receiving a letter from License Plate Toll. Saying I have charges from XXXX XXXX XXXX XXXX from State of Colorado. It comes from a collection agency named Linebarger Goggan Blair & Sampson, LLP. It states I owned {$19.00} as XX/XX/year> and now with fees is {$39.00} The catch is, the letter is addressed to me, XXXX XXXX but sent to my moms old address, 1hr away from where I live. I dont own a car under my name and they dont provide a license plate to match the charges. Very strange. Im happy to pay if this is indeed my charge but its just not adding up. I tried to call the number listed on letter but it puts you on hold for a long time and no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started receiving e-mails from XXXX XXXX and XXXX XXXX   on XX/XX/XXXX that changes had been made to my profile information. When I signed into my accounts the address, phone and e-mail had all been changed. I have checked all of my profiles and found that they have also done this to my XXXX card, and XXXX XXXX, XXXX, XXXX and TransUnion account. I have called all of the affected credit card companies to report the fraud and cancel the cards. I have reported the fraudulent information to XXXX and they have deleted all errors. I can not reach XXXX or TansUnion by internet or phone. I have attached a list of all the accounts that were affected. I also took screen shots of the accounts that they had changed my profile in. I will attach some of those as well. 

There have been many attempts to open credit cards and loans using my identity and twice they have gone into XXXX to change my address. This address also shows under my addresses listed on XXXX and TransUnion. I have attached a list of all the accounts that they tried to open. 

I believe my identity theft is due to the XXXX Breach. Although my first indication that something was wrong was onXX/XX/XXXX, the first fraudulent attempt to open an installment loan was through XXXX XXXX XXXX on XX/XX/XXXX. 

I have created an identitytheft.gov account. My FTC Report Number is XXXX. I am not attaching that report because it has personal information on it. 

I have placed a 90 day fraud alert at all Bureaus. I have placed a freeze on my account with XXXX. I can not access my TransUnion account due to tampering therefore I can not freeze that Bureau. I can not access XXXX by phone or on-line to freeze that Bureau. I have called and spoken to someone at XXXX whose sole purpose is to tell you to go to http : XXXX. I had done that when the breach was announced and then tried to enroll on the dated given to me ofXX/XX/XXXX. On XX/XX/XXXX, I received my e-mail to access the XXXX XXXX Account, but I receive a Credit Lock Status Error. 

I have reported my identity theft to the XXXX, NC Police Department. The Report number is XXXX and is being handled by XXXX XXXX. His phone number is XXXX. I have reported my identity theft to the XXXX, CO Police Department. The Report number is XXXX and is being handled by XXXX XXXX. His phone number is XXXX ext # XXXX. 

The fraudulent address, phone and e-mail are : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXXXXXXXXXX This is an e-mail account that I never created
Product: Student loan

Hello, I am requesting that the following student loan accounts be removed from my credit report or updated to XXXX balance because they are paid in full as on XX/XX/2024. 
1. Missouri Higher Education Loan 2. Dept of ED/Mohela
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have disputed a bankruptcy showing up on my report in 2013. Since I have opened many accounts with a 100 % on time payments. I have taken advice from credit report companies and score goes down a lot. My score stays between 550 -650 approximately. Over the last eight years I have paid and continue to pay tens of thousands in interest. My report doesn't even come close to accurately describe my responsibility to make payments on time. I have been told bankruptcy should be removed after seven years and one of the reporting agencies ( XXXX ) removed it and my score went way down. XXXX, Experian do not remove even when I dispute it and request they remove. I am a lower income senior who needs help. 

Thank you for your time, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TO WHOM THIS XXXX CONCERN : I XXXX XXXX XXXX COMPLAINT TO THE FOLLOWING PARTIES ( XXXX, EQUIFAX AND XXXX ) ABOUT UNAUTHORIZED HARD INQUIRIES AND ACCOUNTS ON MY CREDIT. I WROTE TO THE PARTIES MULTIPLE TIMES AND NONE OF THE PARTIES ANSWERED NOR RESPONDED TO MY REQUEST. I WILL BE ATTACHING COPIES OF THE BRIEFS I SENT TO EACH PARTY INCLUDING DATE, ACCOUNT NUMBERS AND ETC. SO TO WHOM THIS XXXX CONCERN XXXX ANY OR SOMEONE RESPOND TO MY REQUEST AND I SURELY APPREICATE YOU AND THANK YOU XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are false accounts reporting to early waring services, and XXXX XXXX that are hindering me from securing traditional banking services. I am the XXXX XXXX XXXX and have a different middle as well as an additional last. I am either a victim of identity theft or these companies are pulling misinformation from the other XXXX XXXX in my family. I honestly do not know which has happened, I have no knowledge of opening these accounts let alone making transactions within them and I am being held responsible for the monetary loss of these institutions and I had no part in any of this. I am a young man trying to become a responsible and I can not even open a bank account. This is disheartening to say the least. Please help me, when I reach out to these institutions I am receiving no help or way to rectify these situations.
Product: Credit card

I have always made sure that payments on this account are made promptly, preventing any instances of overdue status. I'm uncertain as to why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b, any billing errors should be rectified.
Product: Credit reporting or other personal consumer reports

Complaint Against Experian for FCRA Violations Demand for Deletion Experian is illegally reporting multiple charged-off accounts as being charged off every month, rather than reflecting a single charge-off date for each. This is a clear violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ), which requires all information provided to consumer reporting agencies to be accurate and not misleading. Additionally, Experians repeated misreporting fails to comply with Metro 2 reporting standards, which mandate accurate and uniform credit reporting practices.

I have formally disputed these inaccurate and unlawful entries, yet Experian has failed to properly investigate or correct the issue, further violating FCRA 1681i ( Reinvestigation of Disputed Information ). Due to Experians continued failure to comply with federal law, the only appropriate resolution is the immediate deletion of these accounts from my credit file. 

If Experian does not delete these accounts, I will pursue legal action for multiple violations of my consumer rights under the FCRA and any other applicable laws. I demand an immediate investigation and full removal of these accounts from my credit report.
Product: Checking or savings account

In later XXXX, Chase closed both my saving and checking account, total balance is around {$1400.00}. They told me will send me a check, but I have been waiting for over XXXX months. I called them many times, they told me under investigation but no update ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, D.CXXXX XXXX XXXX XXXX XX/XX/2023 Subject : Dispute of Late Payments on Credit Report and inaccurate information. 

Dear [ CFPB ] I am writing to dispute the late payments listed on my credit report for XXXX XXXX  account number- XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX account number XXXX. I have reviewed the information provided in my credit report, and I believe that these late payment entries are inaccurate and unjustly impacting my creditworthiness.

You are in direct violation of the fair credit reporting act. I firmly believe that you will find these late payment entries to be incorrect.

15 U.S.C 1681 section 602 ( a ). Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 ( a ) section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Remove these late payments and update these accounts immediately as you are in direct violation of several laws under the Fair Credit Reporting Act ].

I trust that you will handle this matter promptly and with the utmost care. As per the Fair Credit Reporting Act ( FCRA ). Failure to address this dispute adequately within the prescribed timeframe will leave me no choice but to seek legal assistance and file a complaint with the appropriate regulatory bodies, as provided by the FCRA. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting

Experian has improperly shared my information with collection agency law firm not for the purpose of employment or extending credit, I have been previously harassed by this law firm, who manufactured documents for claimed debt, and tried to sue me for debt released by class action lawsuit. Experian have improperly shared my information with at least XXXX such collection agencies who buy debt, refuse to verify it, manufacture documents
Product: Credit reporting or other personal consumer reports

I am disputing inaccuracies and unauthorized entries on my credit report. Specifically : 1. Derogatory Marks : XXXX XXXX XXXX XXXX ( {$630.00} ) is still reported as active, though it has been resolved. 

XXXX XXXX XXXX XXXX ( {$630.00} ) is not recognized and appears to have been reported in error. 

XXXX and XXXX ( {$190.00} ) has been paid in full but is still listed as an active collection. 

2. Hard Inquiries : XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ) are unauthorized hard inquiries, as I did not apply for credit or authorize these requests. 



I request that these inaccuracies be investigated, verified, and removed if they can not be substantiated.