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

I am a victim of identity theft. I submitted dispute letters to Equifax, XXXX, and XXXX  notifying them of the accounts that did not belong to me on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law the bureaus had thirty ( 30 ) days to complete their re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

cra violation sent police report taking more than 30days i want it off
Product: Vehicle loan or lease

I traded in my XXXX Mazda XXXX. The company I bought the new vehicle from paid off the lease. Payment was received by Mazda Financial on XX/XX/XXXX but they have not posted the payment to the accounts saying they need additional information from the dealership that was paying off the lease. I spoke with the dealership and they have faxed this information to Mazda three time and have fax receipts to prove Mazda has received them. In the meantime my lease end date was XX/XX/XXXX so Mazda is charging me additional lease payments for extending past the lease end date.
Product: Credit card

In XXXX of XXXX I enrolled in Citibank 's Merchant Offer with XXXX for 6 % cash back on online purchases through XXXX. On XX/XX/XXXX I made a purchase on XXXX for {$7500.00}, expecting that I would receive a credit in the amount of {$450.00}. After I received my first statement, I noticed that I had not been given the credit on my account. I contacted Citibank and inquired when the credit would be posted. They advised it can take up to 8 weeks for the credit to show up. Therefore, when the 8 weeks passed, and I still had not received the credit, I called back. The Representative said she would look into and send a note to the department to check on the status. Each week I would log into my account to see if the credit posted, it did not. I have called Citibank over 18x regarding the status of the credit. Each time I have to explain the situation to a representative who then will transfer me to a manager in the " back office ''. I have spoken to multiple managers who advised that my concerns have been noted and that they will follow up. Some managers advised they would call me back and do not. Some managers would hang up on me, knowing that I would not speak with them if I called back. It has been four months since I made the purchase, and the credit still has not been posted to my account. I have paid off each statement balance. 

Unfortunately, I now feel that this is a scam. The Citibank Merchant Offers are there for you to think you will get a credit, which never comes to fruition. If you call into inquire about the credit, they continue to say someone is taking care of it and never does. Eventually thinking the consumer will give up due to frustration.

I am submitting this complaint as I do not feel that Citibank is addressing my issue and the only way they will is elevating it to the Consumer Financial Protection Bureau. Please feel free to contact me to discuss this situation further. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

XXXX. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX # : XXXX Balance : {$7800.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FACTUAL DATA Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have talked to this company several times about inquires and bankruptcy that were reported incorrectly. I have also told them about addresses that were not mine. I have spoken to the Bankruptcy office and they stated that they did not give XXXX  or Equifax the information they have provided on my account. I have also spoken to the police department and they stated that they would not give me a report for any inquires. I have stated to them if I report something that is not mine, it is their job to find out why they are using my social number. XXXX  states that they want me to get a police report but they will not give one for that.
Product: Debt collection

The company claims i owed them and i have no knowledge of what they are talking about and they say this matter is fro m 2010 i  am being a victim of stolen identity and i need them provided me with documents witch they should have staying that is me my signature and photo copy 's of documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just looked at my credit report and found items that do not belong to me. I have called the creditors and found that they were opened in Florida. I have never lived in Florida. There is a Florida address being reported on my credit file but I never lived there. I have always lived in NJ and I am including my current license and a copy of a paycheck from 2019 when this XXXX account was supposedly opened showing I was employed and living in NJ during the time frame these accounts were opened. 

I have tried to disputed these accounts and gotten no help. I need your help to get these fraudulent accounts off of my report.
Product: Mortgage

I have divorced my ex-wife and I went through the assumption process with Freedom Mortgage Corporation ( Existing Lender ) after getting all cleared/submitted and completed when I accessed my loan in the XXXX APP from Freedom Mortgage there was a duplicate loan showing in the screen with the exact information, however the Loan Term shown XXXX yrs ( did not match my Closing Disclosure at XXXX XXXX mo due to the assumption ) nor the monthly payment described in the XXXX $ XXXX XXXX. After several calls and time spend of reporting these issues, I was told to create a new account however when I tried there was a XXXX message telling me that the information was incorrect then I had to call XXXX  several times after this and today I have been notified that my access was cut/deleted that I won't have access to my loan using the website due to concerns of me having to access information from my ex-wife ( Which by the way the only info in the website was her name and nothing else ). I believe XXXX is not taking care of me as a customer as well as limiting me the ability to manage my account as any other of their customers, needless to say but I have never missed a payment. 

I believe they need to correct this issues as soon as possible and make sure I have the same level of access of another of their customers including the ability for me to manage my account at my own will.
Product: Debt collection

Debt was handled in 1999 and has been solved to many collectors over the past 15 years. I have explained this to each one they are buying dead leads.
Product: Debt collection

These account have inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved I will sue for damages
Product: Debt collection

Subject : Illegal Collection Reporting - Resurgent Receivables LLC Dear CFPB, Thank you for your service. I would like to report an issue with Resurgent Receivables LLC. I originally spoke to XXXX XXXX XXXX regarding this account. They confirmed that the account was included in my bankruptcy and was discharged on XX/XX/year>. Despite this, the account was sent to collections, and Resurgent Receivables LLC is now making me pay and has added it to my credit report. 

Please help me get this company to remove the illegal collection from my credit report and stop charging me for an account that has been discharged. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I opened a citi gold account with a promotion of {$500.00} if I met all of the requirements. I have been told I met all of the requirements by three different representatives, but I still have not received my promotional cash bonus.
Product: Credit card

CITI Diamond Preferred Card ( Citibank , N.A . ) emailed me a statement showing due the amount of {$250.00}. They announced that the amount was overdue, and reported to XXXX that {$250.00} was written off, and {$240.00} was past due as of XX/XX/2016. 
FACTS : I have not used that card in over a year. I have never previously received any communication from CITI concerning this balance remaining. I assert that I did not incur that charge. 
Further, when I telephoned them to discuss the matter, the person refused to talk with me about it, claiming that " the account is in transition. '' I then asked to be connected with their security department. She replied " There is no security department. '' CITI should not have reported this account as a write-off without having communicated with me first. The CITI representative should have been supportive of my attempt to communicate with them. CITI is in error. I expect them to correct their errors by clarifying this matter immediately, and by removing the adverse information from the credit report ( s ). 
Citibank ( South Dakota ), N.A. 
Customer Service Center XXXX. XXXX XXXX XXXX XXXX, SD XXXX
Product: Debt collection

XXXX ( XXXX ) contacted my mother and father and stated that they had an open investigation on myself and needed information regarding some legal matters. The messages sounded as if they were written by a law enforcement agency. My parents forwarded the information to me and I called to see what the issue was in reference to. The company told me that I had broken several laws by writing bad checks ( which I never did, the creditor only accepted EBTs ) and that I was being charged with attempting to defraud a financial institution, which they told me was a serious crime. These accusations are completely false, as I had never written a check to the original creditor nor had I any intent to defraud this online lender. I was simply waiting to be offered a settlement amount on what turned out to be a predatory loan. XXXX then told me that they were sending someone to my house with some papers. When I grew angry with the accusations, the supervisor began yelling into the phone that " Hey, we 're not the ones that do n't pay our debts!! '' and started laughing. I am currently in year XXXX of my Chp XXXX bankruptcy and the company knew that. This was apparent because the angry woman knew my attorney 's name and phone number and began saying that it was illegal to not pay a debt that was incurred after filing bankruptcy. I immediately called and spoke with my attorney who assured me that this was a violation of the FDCA and that I should file a complaint. I settled with the company to prevent further harassment of this nature but am now wondering if I should have, knowing the seriousness of these actions.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 finish 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 or other personal consumer reports

I am submitting this formal complaint regarding inaccurate and misleading information and fraudulent activity being reported on my credit file by [ XXXX, TransUnion, and XXXX ] concerning child support obligations. These errors are causing significant harm to my credit profile and financial standing.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed the validity of an account. Submitted all the documentation to Experian and they refuse to remove the account due to the reporting agency being a subscriber which certifies the reporting agency is reporting accurate information even though Experian does not conduct an investigation themselves but rely on the reporting agency to investigate their own dispute therefore a conflict of interest. I have submitted the documentation to all   XXXX   credit bureaus and they account has been removed but Experian refuse to remove the account therefore my credit report is inaccurate.
Product: Credit card

I am filing a complaint against U.S. Bank regarding the sudden closure of my credit card account without prior notice.

Issue Details : I was never informed in advance that my credit card would be closed. I only discovered it when I attempted to use the card.

The sudden closure impacts my credit score and financial planning, as it affects my credit utilization.

I attempted to contact U.S. Banks Card Verification Service multiple times for clarification, but the service remains unreachable due to high call volume. 

I reached out to customer service, but they could not provide a clear reason or resolution.
Product: Consumer Loan

Again I making another compaint against Republic Finanace regarding there reporting to the XXXX major credit bureaus. On XX/XX/2017 I was notified that My Republic Finance account was 30 days late for the month of XXXX. A payment was made via telephone on XX/XX/2017 which took approxiamtely three days to withdraw from my account. At that time my account would have only been XXXX days past due. My account payment is due on the XXXX day of the month which means that on XX/XX/2017 I would be considered XXXX days past due. I made a payment in XX/XX/2017 that took approximately that posted on XX/XX/2017 to bring my account current and if I was delinquent at the time it would have reflected on my credit report for the month of XX/XX/2017 as XXXX days past due but I was reported as being current. In previous conversations I was informed by the main office that they report account status at the end of the month, whch clearly states they are disregarding federal reporting rules and regulations when it comes to reporting account information to the FCRA 's. As of XX/XX/2017 my account is XXXX days past due and if I submit a payment before XX/XX/2017 then my account would remain still be in a current status.
Product: Money transfer, virtual currency, or money service

I am submitting a formal complaint against Cash App ( Block , Inc. ) for its grossly inadequate customer service and engagement in unfair business practices, both of which constitute violations of the Consumer Financial Protection Act. Cash App 's failure to implement timely and effective measures to prevent and address fraudulent activities on its platform has left my account exposed and vulnerable, undermining the integrity of its security protocols. Moreover, the company 's dispute resolution procedures have proven to be both inequitable and deceptive, in direct contravention of the error resolution requirements set forth in the Electronic Fund Transfer Act and Regulation E. These actions have resulted in significant financial harm and substantial inconvenience, prompting my request for appropriate redress and remedial action for these legal violations.
Product: Credit reporting 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  Account XXXX Account Name : XXXX  XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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

XXXX XXXX did a hard hit on my credit indicating I opened a new account with them on XX/XX/2022, which I did not. I do have an old account with them from last year with no balance due. I have not requested an increase in credit or any other activity that would require or authorization them to run a credit report and hard hit on my credit history. ( certainly did not open a new account with them ) which is what is stated on my credit report right now. I contacted them by phone yesterday and they acknowledge that I did not authorize any such inquiry nor did I request a new account or any changes to my existing account and that they would be mailing a letter with an explanation at a later date. 
I requested that they re-track the entry on my credit report as I am currently rebuilding my credit and this could negatively affect my credit history they refused. My personal information is not for them to use at will. 
The account was NOT opened last week it is NOT a new account and I did NOT apply for that date and did NOT give them permission to run any type of credit inquiry last week or even in this year. They clearly state they are aware that I did not give them permission.
Product: Prepaid card

They have gone as far to send me an email. That's it Ive called a dozen Times only to get a answering machine with the promise of a call back within 48 hrs.

They have made no attempt in honoring anything and have not attempted to get a hold of me other then the same email they sent last time I tried to get into contact with them.

I have received multiple phone calls that don't even finish the first ring before hanging up and these numbers cant be called back for some reason. Odd timing starting a few hours after my first call to boa. 
Three years of avoiding me and lying to me, while nothing works in my favor is getting old. I don't know know what to do anymore. I'm not gon na just roll over and die. I have nothing left to lose at this point, so what do I do.