23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : XXXXormal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX  despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXXXXXX XXXX XXXX  account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a propera reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX 
I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.
Product: Credit card

I had a CITI Bank Credit Card and a Costco CITI Bank card. I asked CITI to put me on a payment plan for the CITI card. They put me on a XXXX year plan to pay it off. When my COSTCO CITI card came up for renewal they closed it. I had never been late on a payment and had always paid more than the minimum amount. I called them and they said they couldn't do anything about it because it was closed. I have had a Sears Credit Card since XXXX. Recently CITI Bank took it over. It was up for renewal and I received a letter stating they were closing it for Unsatisfactory credit and/or derogatory public record references. It is paid off, I have never been late on a payment since the card was opened in XXXX and according to XXXX my credit rating is XXXX as of XX/XX/XXXX. I have tried to contact CITI, but because the card is closed I can not get through to talk with anyone. I believe CITI bank is discriminating against me because I asked them to put me on a payment plan for my original CITI card. Now if any of my other cards are taken over by CITI bank they just close them which is hurting my credit score. Do they have the right to just do this? After all if it wasn't for the Consumer baling them out in XXXX and XXXX, they would have gone bankrupt. Yet they can just start closing my credit cards and hurting my credit score? I also have a Home Depot credit card that was recently taken over by CITI Bank, are they going to close that too when it comes up for renewal? I just don't understand how they can close a credit card without good reason!
Product: Debt collection

I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from XXXX XXXX XXXX XXXX, originating from XXXX XXXX XXXX, which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
Product: Checking or savings account

I had opened up   a Citi checking account in  XX/XX/XXXX  for a {$300.00} opening promotion. After fulfilling the terms of the promotion Citibank refuses to honor it.
<P/>  The offer had the following requirements to receive the {$300.00} bonus : Open a new eligible consumer checking account in T he Citibank Account Package between  X/XX/17 ?  X/XX/17  a nd complete the following withi n forty-five ( 45 ) da ys of opening your account : - Make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account or a new or existin g Citibank Savings Plus Account or Citi Savings Account ( completed on  XX/XX/2017  ) -  Maintain a minimum balance of {$15000.00} for  thirty ( 30 ) consecutive calendar days following the date when you made your qualifying deposit. ( completed on  XX/XX/2017  ) AND - Complete 1 qualifying Direct Deposit to the new checking account or make 1 or more qualifying purchase transactions with your Citibank Banking Card totaling {$250.00} or more ( completed  on   XXXX   )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. accounts below has violated my federally protected consumer rights to accurately report information XXXX XXXX XXXX. 
Account : XXXX Account number : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States In accordance with the irs/fcr canceled debts ( charge off ) is gross or ordinary income Income does not get reported on my consumer report Which makes the charge off an inaccurate report 15usc 1681e ( b ) 15usc1681 s2 Affirm has written it off as a lost and can no longer collect from me As defined by the IRS you must Report canceled that as gross as income on tax return and use a 1099c The IRS clearly XXXX charge off as gross or ordinary income. income does not get reported on consumer report which in fact makes you reporting on this account in accurate! 
Also see law 15 USC 1681 s-2 its requied you follow this law after investigation 15usc1681i, i have already contacted this company and they have not properly investigated this matter 15usc1681n My next step will be to collect monetary relief for this crime
Product: Credit reporting

I WENT TO XXXX AS SUGGESTED BY XXXX FICO TEAM AND THIS WEBSITE.  I ORDERED ALL XXXX CREDIT REPORTS. I RECEIVED THE FIRST REPORT FROM EXPERIAN AND SAVED IT. I THEN DISPUTED AN INCORRECT ISSUE AND RE-SAVED.  I WAS THEN PREVENTED FROM PROCEEDING WITH THE REST OF THE REPORTING. I WAS, HOWEVER ABLE TO NAVIGATE ANYWHERE ELSE (PURCHASE CREDIT PROTECTION OR ORDER A XXXX SCORE). THERE IS NO PERSONNEL ANSWERING THEIR LINE.  I THEN CONTACTED THEM VIA THE ONLINE "CONTACT US", BUT HAVE NO WAY TO GO BACK TO MY REPORT.  THIS IS UNACCEPTABLE.
Product: Credit card

Please refer to the attached spreadsheet when reading this. 

On XX/XX/year> I purchased airline tickets through the XXXX website using my Chase credit card. After purchasing the tickets themselves, I went back into the website and was purchasing seat upgrades for the different legs of the flights for my wife and I. 

After selecting eight seat upgrades totaling {$530.00}, I was paying for these using my Chase credit card, when the website completely froze. I got out of it, signed back in, selected the same seat upgrades again, was paying for them and again, the website completely froze. I again got out of it, signed back in, selected the same seat upgrades, and this time, the payment completed. 

Upon reviewing my credit card activity, I was surprised to learn that my card had been charged three times for the exact same items. For example, the charge of {$110.00} that should have been charged four times, was charged twelve times. The charge of {$19.00} that should have been charged two times, was charged six times. And the charge of {$16.00} that should have been charged two times, was charged six times.

I tried to dispute the transactions on the Chase website using the Duplicate Charge reason, but their system will not accept multiple charges of the same amount. It accepted the first one, but would not accept any more after that with the same amount. 

I called XXXX, and the representative I talked to said I needed to contact my credit card company to get it straightened out. 

I called Chase and I told the representative what had happened and that I had multiple duplicate charges. He assured me they would be taken care of immediately. 

I later received letters from XXXX that said I had disputed some of these transactions for Duplicate Charges, some for Merchandise or Services Paid For by Other Means and others for Non-Receipt of Services or Merchandise. It is apparent Chase is working off the wrong information. I reported ALL of them as Duplicate Charges.

I provided all information that Chase has asked for including the XXXX receipts and have received credits for five of the duplicate transactions, but Chase/XXXX has XXXX that the other XXXX duplicate transactions were valid, which is obviously incorrect. 

In reading the correspondence from Chase it is apparent from their forms that there are multiple persons looking at individual transactions. For example, if they are looking to see if a disputed charge of {$110.00} is valid, they are going to see that there were four charges of {$110.00} charges that were valid, while perhaps missing the other twelve charges of {$110.00} that were duplicates. 

There are so many duplicate amounts here, both valid and not, that it is confusing to see unless this is looked at in an overall picture instead of transaction by transaction. 

In my last response to Chase, I requested additional information but they have so far refused to provide any. 

In summary, I purchased {$530.00} worth of tickets, was charged {$1500.00}, have been refunded {$380.00}, and should still receive credit for {$670.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX this law firm XXXX and XXXX is in direct violation of the Fair Credit Reporting Act ( XXXX XXXX acct number XXXX ) and has violated several of my rights. 

15 U.S.C section 602A .Clearly states I have the right to privacy 15 U.S.C section 604 A section 2 : it also states a consumer report can not an account without my written instructions 15 U.S.C exclusions state transactions can not be listed on consumer reports per XXXX report number XXXX prepared on XXXX XXXX for XXXX XXXX XXXX XXXX XXXX / XXXX and XXXX XXXX listing type of loan note : unsecured : date opened XX/XX/XXXX : address id as XXXX : which is not my address credit limit or original amount of {$8900.00}. terms 60 months recent balance of XXXX balance wrong payment history from XX/XX/XXXX to XX/XX/XXXX. It also says loan modified if the loan was modified I would have to agree to terms that were never presented a modification not showing a payment history of XXXX XXXX XXXX XXXX 180 days past due in the comment section it says loan modified XX/XX/XXXX- XX/XX/XXXX all these are transaction records which is a violation please remove from credit report and provide updated information showing deletion on usc codes thank you also the previous response to my complaint XXXX XXXX and XXXX was they don't report XXXX the credit bureau that means i am a victim of fraud since this account i XXXX no longer being handled by XXXX XXXX XXXX. The first payment of $ was XXXX directly from my XXXX XXXXXXXX checking acct on XX/XX/XXXX this company said I never made a payment last response they said they only received a payment on the XXXX of XXXX and the XXXX of XXXX inaccurate info. Payment dates are as XXXX {$250.00}, XX/XX/XXXX {$120.00}, XX/XX/XXXX {$240.00}, {$230.00}, XXXX XXXX {$250.00}, XXXX XXXX {$220.00}, XXXX XXXX $ XXXX XXXX {$200.00}, XX/XX/XXXX, XXXX. XX/XX/XXXX {$220.00}, XX/XX/XXXX, {$210.00}, XXXX XXXX {$230.00}, XXXX XXXX, {$220.00} XX/XX/XXXX {$230.00}, XX/XX/XXXX {$220.00} US CODE 1681 S-2 STATES YOU CAN NOT REPORT INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS. please delete it from my credit report XX/XX/XXXX {$230.00}, XXXX XXXX {$220.00}
Product: Payday loan

I 've been a customer off and on for several years. Worked for the company for 9 months recently. Had current loans with them, that were not due. Left the company, because I was offered a more lucrative position and they kept my entire last paycheck to pay off loans that were not currently due. I have XXXX children ato home and {$700.00} this close to XX/XX/XXXX is devastating to my family. This is disgusting and a foul way to treat someone that was a loyal customer long before they were an employee.
Product: Debt collection

Back on XXXX I sent out a certified letter requesting validation this was never answered. 


XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX PCM To Whom It May Concern : Be advised this is an attempt to get a Validation of Debt Request Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt that you say I owe PCM. I am requesting proof that there was indeed a contractual agreement between XXXX XXXX and PCM signed and dated with both my signature and PCM signature on it, stating that I agreed to pay this debt to your company. If this said to be true that PCM claims, I am also requesting the beginning and ending of services that I rendered from PCM with my signature and again PCM XXXXAgent signature on it. 

Also, last but not least if PCM can show me Proven Documentation of their company practices are not using EXTRA TACTICS, MISLEADING - INVALIDATION of INFORMATION to the three major Credit Bureaus and no type of UNJUST ENRICHMENT within the company for gain off my personal information that was retain without my consent. 

Im respectfully requesting that your offices provide me with competent evidence of Court Documents showing proof that I have any legal obligation. 

At this time I will also inform you that if your offices have or continue to report Invalidated/ misleading information to any of the three major credit bureaus ( XXXX  XXXX XXXX  , XXXX XXXX ), I will move Rapidly to other steps legally. These actions constitute fraud and Identity theft under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company, again I will not hesitate in bringing legal action against you and your company for the following : Violation of the Fair Debt Collection Practices Act Defamation of Character Identity Theft XXXX___ [ Signature of Affiant ] Subscribed and sworn to before me, this XXXX day of XX/XX/2020. 

NOTARY SEAL _______________________________________________________ [ Signature of Notary ] ___________________________________________________________ [ Print name of the Notary ] NOTARY PUBLIC My commission expires : XXXX, 2020
Product: Debt collection

I have been receiving several calls from debt collector for debt that I do not owe.
Product: Credit reporting or other personal consumer reports

Capital One has reported a fraudulent acc to my credit and refused to send me any proof or evidence of the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting my mortgage as being late in XXXX and XXXX of 2020. BOA changed their mortgage system in XXXX. At that time I had cancelled an autopayment to an old account and my ex wife created a new payment plan. BOA attempted to take from both the old account and new. All the payments for the old account were returned but the payments from the new checking account went through just fine. Essentially they were trying to take double payments. 

My Ex wife has already sent them bank statements proving this. BOFA online banking also confirms that account was never late just returned payments from the old checking account. They removed the incorrect information a month ago just to report it incorrectly again. This is clearly a violation of FCRA. 

The previous dispute case with BOA was Late Payment Dispute Case # XXXX I've included the previous email to BOA including what online banking shows proving they're incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity fraud. Credit bureaus are reporting fraud information on my credit report. There should not be any damages to my report. 15 U.S.C 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have any of these sickness that have been place on my MIB report. I believe someone else information was placed under my name. Please reach out to my Physician for my up to date Medical records. 
XXXX XXXX XXXX XXXX Or fax number XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX or fax XXXX XXXX XXXX XXXX XXXX, Fl XXXX
Product: Mortgage

SPS had loan payment XXXX made first payment XXXX XXXXost! now shellpoint wont help with unemployment plan per SPS
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. ( XXXX XXXX XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy. 

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 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

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX name is XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

Hello ; I had a GM credit Card/Visa, XXXX for year with a account secure plan that covered death, that would cover my balance, that you paid each month, you patd so many dollars on each XXXX dollars. A couple of years ago, GM sold that account to Capital one Visa. A week ago, I received a letter from Capital One Visa, stating they were cancelling the accout secure plus plan. I called them and asked, what happen to the XXXX of dollars that myself and others paid in? Why not apply that toward the balance on the account. She stated, that 's not going to happen, they would n't do that. I informed her that while I was talking to her, I was writing a Senator ( XXXX ) regarding whats going on with Capital One, she then said " What I can do for you is, credit you for 1 year of payments, paid for that plan. I said Ok and left it at that. People with Capital One Visa, along with myself have paid in XXXX toward this plan and they should have paid down or off card holders balancs. In what I 've paid in, my balance would have been paid off and I 'd keep the card, thanking them for their service. I 'm retired on a XXXX retirement ( XXXX ) XXXX XXXXTakes affect XXXX/XXXX/2015
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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX : XXXX and 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 card

Over the past decade, I have consistently been denied when applying for new credit cards issued by Synchrony Bank. On XX/XX/year>, I applied for a new Discount Tire credit card issued by Synchrony Bank. However, on XX/XX/year>, I received a letter from Synchrony Bank stating that my application had been denied. I believe that this is an example of discrimination, which affects the data used by credit scoring models today. 

Synchrony Bank used its credit score model and issued me a score of XXXX. However, the data used in current credit scoring models is not natural ; it is a reflection of past inequalities. By using this data, my new credit application was denied. My credit score with the three main credit bureaus ( XXXX, XXXX, and XXXX ) is well above the credit score issued by Synchrony Bank. 

Synchrony Bank 's credit scoring models amplify existing inequalities today, which has a significant impact on the life chances of XXXX and XXXX consumers. We need to eliminate private credit scoring companies and create a more competitive environment that includes consumers by making a public option available. We already have public entities for services from XXXX XXXX XXXX and XXXX, but something as important as our credit scores should also be publicly available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several accounts since being notified of this on my credit to have this corrected through disputes and through here. I have spoken with XXXX at XXXX XXXX XXXX Hospital on XX/XX/XXXX at XXXX XXXX she stated that there was no outstanding balance owed from XX/XX/XXXX.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of leasing account opened at XXXX XXXX XXXX on XX/XX/year> under the account number ( XXXX XXXX XXXX XXXX XXXX XXXX ) with the amount of {$5400.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.