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

ATTENTION : EXPERIAN DISPUTE DEPARTMENT To Whom It May Concern : I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. 
Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX/XXXX : XXXX The payment status is incorrect, please delete. 



XXXX XXXX : XXXX The account status is inaccurate, please delete. 



DEPT OF EDUCATION/XXXX : XXXX The terms reported are incorrect, please delete.
Product: Bank account or service

Before opening the CitiGold checking account, I had spoken with a CitiBank agent over the phone to find out if I qualified for the offer to open a CitiGold checking account and receive XXXX miles as a bonus for opening the account. She assured me I qualified, and to apply online, so I did. Initial contact with CitiBank via chat assured me I had met the qualifications in XXXX 2016 and would receive the miles by early XXXX. 
Today, XXXX XXXX, 2016, I communicated via chat with a CitiBank rep who told me I was n't targeted for the XXXX bonus miles offer to open a CitiGold checking account, therefore would not be receiving the XXXX bonus miles. I even showed the chat log I had saved and was told they could not honor it regardless of previous communications to the contrary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future  information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, There are several credit accounts that i did not approve Please remove the following accounts : XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018 two charges were made at a vendor called " XXXX XXXX XXXX '', one in the amount of {$180.00} and one in the amount of {$210.00}. I was first made aware of the charges by Citi as they were flagged as fraud and I was contacted to see if I authorized the charges, which I did not. The charges were then removed from my account as fraud. 
About a month later they reappeared on my statement, I contacted Citi and they said they decided I did make the charges. I DID NOT. 
I have paid tens of thousands of dollars on my credit cards and not been late once, it's preposterous to accuse me of blatantly lying about under {$400.00}! I have even been paying many more dollars since Citi has so insulted me by accusing me of lying on other Citi cards themselves that I have. 
It is ridiculous that Citi can totally destroy my credit over charges I DID NOT MAKE!
Product: Debt collection

On XX/XX/18 I noticed a missed call from XXXX. I am seeking new employment so I returned the call. The call was answered by XXXX XXXX who said good afternoon ( it was XXXX XXXX ET ) who said he had an affadavit for XXXX XXXX ( my maiden name, hasnt been used in 20 years ). XXXX says he needs to refer me to XXXX XXXX because my case has " red '' all over it and another department handles this. He recited my current county and SSN which was alarming, he said the call was regarding a credit card account that was removed from my credit report because it is over 7 years old but to avoid a judgment for the {$3700.00} I could pay {$1500.00} today to avoid legal action. At this time another call is coming from an Ill number, I switch over to answer and its XXXX XXXX from ARA with the same request stating I am in breech of contract with an old XXXX XXXX account and to avoid legal action I need to pay. I informed him I would contact my attorney and need a number XXXX xt. XXXX. I asked them not to call anymore and send the request in writing.
Product: Prepaid card

Hi, I have been a serve member for a little bit, then early XXXX I recieve an email saying my account was suspended saying I violated the user agreement but did n't give any notice of what I did. Ok fine, that XXXX but if they do n't want me as a member fine. I called and was told I would receive a check for the balance within 10 business days I think it was. But it never came, I called again a few times and was told different things each time. I was told it was being reviewed and to wait 3 business days and call back and then one time was told there was 24 hours left in the review period and to call back afterwards .... anyways fast forward to now, they no longer give me any details just that the account is under review and that I might not get my money back. Wait, what? This has been going on for almost 3 months and now they wo n't tell me anything, I 'm hoping they will work with you guys.
Product: Checking or savings account

We transferred too much money to savings and our mortgage payment was withdrawn causing our account to overdraw by {$250.00} and two transactions on XX/XX/18 ( incurring two overdraft fees ). The following day Citizens Bank re-ordered all our debits to show a total negative of {$230.00}, but they made this up out of 5 transactions instead of the two that actually caused the overdraft. They listed the transactions by amount from largest to smallest to maximize the number of times they can charge fees. This wasn't the order the transactions were done in or the order they posted to the account and we have evidence showing this. I want the additional fees to be returned and I want the bank to stop ripping people off. I'd have preferred to deal directly with Citizens to get this fixed by their customer service department refused to even attempt to understand what the issue was. I will gladly provide more evidence and written testimony for a class action suit if needed and have filed complaints with the other state and federal agencies with oversight.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

Incorrect ADDRESS AND JOB IS REPORTING ON MY REPORT I Dont work at XXXX XXXX XXXX XXXX XXXX PLS DELETE THESE ARE A VIOLATION OF MY RIGHT 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

I am a victim of identity theft and I have been a victim for years. I have mailed all the requested documentation - an Identity Theft Report along with a signed and notarized affidavit, a copy of my driver 's license and a copy of my police report with police officer contact information and badge number. I requested the fraudulent accounts to be blocked out of my credit report as permissible by law. 
According to USPS tracking number XXXX I have mailed it all on XX/XX/2018, Equifax received it on XX/XX/2018, processed it on XX/XX/2018, investigating the items instead of blocking them with no further explanation. The results of their investigation did not remove nor block any of the fraudulent accounts reported but 2 fraudulent accounts. 
XXXX has already blocked the fraudulent accounts off my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Late Payment Reports Request for Resolution To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments on my credit report by SouthState Bank for two accounts. The reported late payments are incorrect, and I have taken steps to resolve this issue with a customer service representative, who acknowledged the error and assured me that it would be corrected. However, these inaccuracies remain on my credit report. 

The details of the accounts in question are as follows : Account Number : XXXX ( Secured Card ) Date Opened : XX/XX/XXXX Account Status : Closed Reported Late Payments : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) Dispute : These payments were made on time, and I was informed by a representative that the account should reflect " Paid as Agreed '' when closed. 

Account Number : XXXX ( Secured Loan ) Date Opened : XX/XX/XXXX Account Status : Closed Reported Late Payment : XX/XX/XXXX ( 60 days late ) Dispute : This payment was not late, and I request that this error be corrected immediately. 

I initially contacted SouthState Bank regarding these discrepancies and was informed that they had recognized the reporting error. I was further assured that once the accounts were paid/closed, the status would reflect all payments as " Paid as Agreed. '' However, these inaccuracies remain on my credit file, and they are negatively impacting my credit history. 

I respectfully request that SouthState Bank take immediate action to correct this misinformation and update my credit report with the correct payment history. Additionally, I ask that a written confirmation be provided once these corrections are made. 

Please address this matter as soon as possible, as the inaccurate reporting is unjustly affecting my financial standing. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Was approved for asynchronys Venmo Visa Credit Card. 
Tried to activate the digital card using the last XXXX of my social security number. 
Received an error message saying the last XXXX was incorrect. 
Reached out to support about changing the social security number on file. Responded with a chat saying a letter will arrive in the mail to authorize. 
Filled out form. 
Waited 30 days called support about the letter, notoriously difficult customer service over the phone. Received a letter saying they are unable to verify my social security number. 
They ended up closing my account.
Product: Money transfer, virtual currency, or money service

Account still does not work properly. Paypal is refusing to provide adequate support to resolve the issues. Paypals last reply on XX/XX/22 which for some reason closed the case even though it did not fix or resolve any of the issues, and did not override any error messages, and other funding sources do not work. No other funding source available. None of them work. Transactions cant be processed. XX/XX/22
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX  Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX  Balance Owed : {$370.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiriy on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following are unauthorized and I asked XXXX delete them I have reached out two both XXXX and the companies the Inquiries were made from and neither party can provide me documentation of my application or wet signature on documents but refuse too comply with Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that creditors and XXXX can not verify.I understand that under 15 U.S.C.1681i ( a ), you must complete this investigation within 30 days. The following companies and XXXX need to provide me copy of application and signature said companies are : XXXX XXXX
Product: Checking or savings account

I opened an account with AMEX in order to save money for vacation. I used this account to transfer money to from my main banking account which is through XXXX. For whatever reason, the AMEX account had a fraud alert placed on it, and they closed the account. This leaves me with no access to the funds inside the account at all. AMEX tells me that XXXX has to fax them and recall the funds. XXXX tells me there is nothing they can do, and AMEX must return the funds. It's been an ongoing issue for weeks now with many phone calls. I leave for my vacation in two weeks and without that money that they're holding up I will be unable to go.There is {$700.00} ( plus any interest that it may have gathered ) in that account, that neither party wishes to help me with.
Product: Checking or savings account

I sent letters and received no responses and no changes were applied to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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
Product: Debt collection

I am going through credit repair and this company is all over two credit reports and I have never heard of them and do not know who they are. I have never had any letters regarding any contract that I have with them or are in default in. They are on my XXXX and XXXX reports.
Product: Debt collection

A check bounced that is not in my name, on an account I do not have, and the debt. collector refuses to remove it from my credit report. I have been sent a copy of the bounced check, and when I have tried on several occasions to call them they will not return my calls. 
The company XXXX debt. collecting agency XXXX is Payliance. The phone number I keep calling is XXXX. Address XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX This is on my XXXX credit report. The amount is approximately {$330.00}. 
The police report # in XXXX, XXXX is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX XXXX XXXX personal information first that fraud m name is XXXX XXXX Second you state i open a loan at your branch XXXX in XXXX Mo on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number 3 then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights World Finance Company has stated in a documented letter of their inaccuracies also included my personal info and id to show im not XXXX XXXX this is on m acct inaccurate I also added Sectary of State XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject account ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account ending in XXXXFor several months the company has been reporting a balance of {$1900.00} dollars. 
Current Balance is {$0.00} Available balance is {$2000.00} I dispute this account several time with Equifax unsuccessful.
Product: Credit reporting or other personal consumer reports

I have an XXXXXXXX XXXX XXXX it used to be issued by XXXX XXXX, but was switched over to XXXX  XXXX. 

On XX/XX/XXXX, I made a payment to pay off the balance I had of {$130.00} on the credit card. It did go through but then unfortunately on XX/XX/XXXX, this payment was returned. My account with XXXX XXXX  was shut down shortly after, so I did not know that this payment was returned, nor was I informed of this. 

When I finally received my XXXX XXXX card on XX/XX/XXXX, and was able to activate it and log in, they showed me as having a late payment for the {$130.00}, and also some accrued late payment fees. At no point during this time did XXXX XXXX  or XXXX XXXX reach out to me to let me know I had an outstanding balance, so I believed my account to be in good standing. I also could not log into either bank during this transition, so I had no reason to believe any of this was going on. 

I paid off the amount, and also explained the situation to XXXX XXXX, and got the late fees removed. 

Unfortunately, XXXX XXXX also submitted a late payment to my credit report. This dropped my score by nearly XXXX points. 

Since then I have dealt with customer service for credit disputes at both banks ( XXXX XXXX, who claims they can no longer look up my account number or any of my info with them, and XXXX XXXX, who claims the late payment is valid as they inherited the card with the outstanding amount on it ). 

I disputed this with the credit bureaus with no luck and was told I needed to take it up with XXXX XXXX 

I submitted a written dispute to XXXX  XXXX on XX/XX/XXXX. I submitted a XXXX written dispute to XXXX XXXX on XX/XX/XXXX. I then submitted a written dispute to XXXX XXXX  XX/XX/XXXX. All of these came back denied. XXXX XXXX  still will not provide me my account number or any information about this incident. 

I started a dispute with the credit dispute company XXXX XXXX in XXXX of XXXX. They have submitted 2 disputes with the credit bureaus that both were unsuccessful. 

I still believe this to be an error that was not my fault. 

I believe XXXX XXXX  originally Made the error by not accepting the payment provided ( and not notifying me of this ). XXXX  XXXX then inherited a card with an outstanding amount and made the report to the credit Bureaus.