23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

After years of inactivity, I used my Citi Drivers Edge card to make several charges on XX/XX/XXXX to increase my card rewards prior to claiming the total rewards available. On receipt of the XXXX credit card statement, I paid the bill in full on XX/XX/XXXX through my online account and that payment was documented by my bank on XX/XX/XXXX. That XXXX statement showed {$230.00} rewards available. Relative to the new purchases, {$1500.00}, and the 2 % reward rate, my reward total was then {$260.00} ( {$230.00} + {$31.00} ). 

Sometime near the end of XXXX, XXXX I claimed the total amount of my rewards. I was not able to request a particular dollar amount because there was no XXXX statement because there was no new card activity/amount due. 

In early XXXX, XXXX I received a rebate check in the amount of {$200.00} and on XX/XX/XXXX, I happened to notice on my online account that there were still {$36.00} of rewards available. 

Over the last XXXX days, I have made many attempts to contact the Citi XXXX XXXX XXXX Department at their designated phone number, ( XXXX ) XXXX. That number only got me to general customer service offices who, try as they might, could not connect me with the Rewards Department. 

I am due at least the remaining {$36.00} of rewards still available and possibly the difference of the documented {$230.00} of rewards shown on the XXXX, XXXX card statement and the amount of the rewards check received of {$200.00}. A difference of {$26.00}. The total amount still due me is then is {$62.00}. Note that it is possible that some of my rewards money may have expired between the XXXX, XXXX statement and the date the rewards check was cut, but Citi has not documented that in any way to me. Neither does the arithmetic work in that case. If they paid me all that was left after any expiring rewards the currently remaining rewards would be {$31.00} not {$36.00}. There does seem to be some error in their accounting also.
Product: Mortgage

Loss Mitigation Steps Outlined in the link below by the U.S. Department of Housing and Urban Development, have NEVER been performed by US Bank on my behalf. 
Not once have they sent me anything about the : COVID-19 Forbearance, FHA 's loss mitigation options, Special Forbearance ( SFB ) -Unemployment, https : //www.hud.gov/program_offices/housing/sfh/nsc/lossmit They have had me in Court fighting a foreclosure since XX/XX/2019 - XXXX XXXX XXXX XXXX XXXX, arguing about the VALIDITY of the mortgage.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX  Account Number : XXXXXXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/19 the account XXXX XXXX which was previously removed due to me winning my dispute has been put back onto my account. This has already been won in my favor according to the fair credit report act please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly ( 30 ) plus days late on the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters in which most was notarize. I was ignored and bluntly disrespected as a consumer. I have been inquiring about this information over and over for months and months this is hindering me from buying a property. The credit bureaus don't care. I made multiple phone calls trying to get someone to give me a clear understanding but I eventually will get hung up on. It's very disturbing trying to get things done when these companies are acting like this. This is a on going process and I NEED HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX add comments to my credit profile regarding loan modification service which I participated in under the Cares Act. In addition, XXXX  has consistently reported inaccurate and inconsistent payment statuses across the 3 different credit bureaus. Shellpoint is in violation of FCRA. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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.

3. 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.

4. 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 writing to formally lodge a complaint against Equifax regarding their handling of a XXXX account on my credit report. I believe Equifax has violated the Fair Credit Reporting Act ( FCRA ) by improperly reinserting this account after it had been previously removed following my dispute. 
Background of the Issue : XXXX. On XX/XX/year>, I disputed the accuracy of the XXXX account ( Account XXXX : XXXX ) on my Equifax credit report, citing fraudulent account. 
XXXX. After investigating the matter, Equifax removed the account from my report on XX/XX/year>. 
XXXX. However, on XX/XX/year>, I discovered that the same account had been reinserted on my credit report without the required notification or proper verification of accuracy. 
FCRA Violations : Equifax has failed to comply with the following FCRA provisions : XXXX. Failure to Provide Written Notice of Reinsertion ( 611 ( a ) ( 5 ) ( B ) ) : o Equifax did not notify me in writing within XXXX business days of reinserting this account on my credit report, as required by the FCRA. 
XXXX. Reinsertion Without Proper Certification of Accuracy ( 611 ( a ) ( 5 ) ( B ) ( i ) ) : o To the best of my knowledge, no new or certified information was provided to justify the reinsertion of the account. 
XXXX. Reporting Inaccurate Information ( 607 ( b ) ) : o Equifax has reinserted an account that remains inaccurate or unverifiable, contrary to their obligation to ensure maximum possible accuracy of consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the incorrect inquiries reporting on my Credit Report : XXXX/XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I contacted Annual Credit Report Request services via First Class Mail to request a free copy of my credit reports from XXXX, Equifax and XXXX on XX/XX/year>. Attached to the request was a copy of my drivers license and a bill with my current address. XXXX and XXXX provided me with a copy on my credit reports. Although XXXX sent a copy of my credit report, the bureau also sent a stall letter as well. Equifax refused to provide me with a copy of my report claiming that the letter was illegible. Also, I've previously disputed the account with XXXX. I'm requesting documentation bearing my signature indicating that the creditor has the legal right to collect from me. The account came back as verified. I would like to request the method of verification within 15 days. I would like proof of how the investigation was made, including any forms that were filled out and the contact information on the creditor that was contacted to verify the information. I also disputed the account with Credit Collection Services. I'm requesting proof of how the investigation was made, including any forms that were filled out and the contact information on the creditor that was contacted to verify the information. I'm requesting documentation bearing my signature indicating that the creditor has the legal right to collect from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXXXXXX bankruptcy should be removed according to federal law from all credit reporting agencies XXXX XXXX XXXX equifax, and XXXX. Also per federal as they should be removed after 7 years. You can file for bankruptcy twice in within a year and also reported this XXXX XXXX XXXX equifax and XXXX. I would like them removed or i will take legal action.
Product: Credit card

On XXXX XXXX someone went to Home Depot and made a purchase under my name of an amount of XXXX XXXX dont know how they did this because I had my credit card on me on this day and was out of the country. I called in may to discuss this matter in attempts to open up an investigation but they really didnt listen to what I had to say. After calling within XXXX weeks they sent me a letter saying their investigation was done and that I was responsible for paying that amount to them. So I went ahead and called again and told them it was not fair for me to get charged such a large amount for something that I didnt purchase. Therefore, I asked them to please open up again the investigation, in which they then told me they did open it up. However, I continued getting calls from Home Depot and text messages saying I had a missed payment. So I called again and I even told them I had proof I was not in the country when that purchase was made under my name so they gave me a fax number and I even had to take money out of my own pocket to pay to send the proof to them. I called a XXXX later and they told me they had not received anything to go ahead an fax them again so I went again and fax it and had to yet again take money out of my own pocket to pay again. I then waited a XXXX of days and I called and checked and they said no we dont have anything from you. This is really irresponsible on Home Depots part especially because they are such a big corporation and have continued to ignore me and wrongfully charge me for a fraud payment that they allowed to happen. Throughout this process I have felt extremely ignored and have just been forced to continue wasting my own money to continue to fight for this situation to be corrected. Money that I do not have to be wasting. I have done my part and paid to fax the proof that I was not in the country at the time of this purchase multiple times. They have not done anything and are continuing to not do anything to solve this problem. Due to this situation, my credit is now even being negatively affected. I would like this situation to be resolved without it becoming a legal situation. This situation has caused me a lot of financial stress and I would not be doing this whole situation or even spending my own money if I was responsible for this. With the concrete proof that I have of not being in the country during this purchase it should not be this difficult to understand and acknowledge that it was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Transunion, the information they are reporting for XXXX XXXX XXXX. I have no financial responsibility to this company. I have asked numerous times for validation that I owe this company money and have never receive anything. Transunion is the only company saying they have verified this account, when no one else has??? How was this account verified? Can I see the copy of the contract I supposedly have with XXXX XXXX XXXX? Although Transunion has the right to report false information on anyone they choose, they also have the right to be held responsible for the false information they report.
Product: Debt collection

XXXX sent me a letter stating I owed over {$320.00} for a debt through PayPal Smart Connect, a credit line through PayPal that I 've never used or authorized to use. The letter gives no information other than this, so it 's completely unhelpful and vague. I have never received any notice from PayPal Smart Connect stating I owe money. Once again, I 've never used it or heard of it until I received this letter. I 've never made late payments on anything in my life and have worked hard to maintain an excellent credit score. My credit score is now ruined because of XXXX XXXX and PayPal Smart Connect because of their false claims. I had never heard of either one of these entities until I received the debt collection letter, but by then it was too late. Apparently my credit reports were notified of this whole thing before I was. It 's amazing how hard you can work for so long for something and how easily it can be taken away without reason. It really upsets me.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX in XXXX XXXX, under account number XXXX, XXXX XXXX in XX/XX/XXXX, under account number XXXX XXXX XXXX XXXX, in XXXX XXXXunder account number XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, under the account number XXXX, XXXX XXXX XX/XX/XXXX, under the account number XXXX, XXXX XXXX XXXX, XX/XX/XXXX, under account XXXX, XXXX, XX/XX/XXXX, under account number XXXX. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the accounts above, collections, or hard inquiries as reported. The accounts above, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All accounts above, collections, and hard inquiries result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Checking or savings account

On XXXX XXXX, 2023, an unauthorized transaction in the amount of {$3500.00} was withdrawn from my money market savings account over the phone at Navy Federal Credit Union ( NFCU ). NFCU did not enact the appropriate security protocols in order to authenticate my account. NFCU claims that all actions were taken to do so, yet they did not request my code word nor send the one time passcode to the contact number on file. As a result, I was a victim of fraud and possible identity theft. Since then, I have taken all necessary steps to protect myself from future bad actors. I closed the money market savings account and restricted all remaining accounts to deposit only. I restricted all transactions to in-branch only. I changed my security code word and asked that it be communicated for every single transaction. I implemented a credit freeze with the credit bureaus. Lastly, I filed a police report on XX/XX/2023. I have not received any correspondence from XXXX XXXX at all. I've requested a weekly email update on my account from one of the local tellers, yet I have only received a few emails since early XXXX. They have completely negated their responsibilities as a credit union albeit my continued business with them for over nine years. They won't answer any of my inquiries and continue to tell me that they are " back logged '' with complaints and offer no updates regarding my case. It's been two months now since the fraudulent activity on my account with ZERO concessions made.
Product: Checking or savings account

On XX/XX/2020, the bank withdrew from my account {$1700.00} The bank never advised me that I was going to withdraw that money from my account The bank did it without asking CITIBANK did not have my authorization. 
I was informed that the withdrawal was to pay a debt from my father. 
I am not obligated to pay a debt that is not mine. 
I am outside the country and without work. 
What they did was a violation of my account They have to collect that debt from my father and not from me
Product: Checking or savings account

Date of Fraudulent Transaction on my Bank Account : XX/XX/year> Company : XXXX, XXXX XXXX XXXX XXXX XXXX Phone : XXXX Unauthorized amount pulled from my Bank Account : {$84.00} I notified my bank as soon as I received a call from their security department.

Sent a dispute notification to the bank. They just responded that they could not accept my dispute. So, I called XXXX and they had no record of the charge.

I want my bank First Tech to credit my account as this is a fraudulent charge. 
I never authorized it.
Product: Debt collection

World Finance Corporation WILL NOT validate a debt they keep putting on my credit report. I am completely fed up with it and reaching out to CFPB for help. 

They keep submitting false information to the credit bureaus and the bureaus wont remove them from my file. 

Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth 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 alleged fraud or extortion 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 card or prepaid card

I already setup an auto payment for my Bank of America credit card and it has been correctly paying my statement balance. However, the bank stopped and removed automatic pay method without notifying me. That causes a late payment fee and interest charged in XXXX 2023.
Product: Payday loan, title loan, or personal loan

Im not exactly sure on the dates, Ive been in and out of the hospital. Ive also havent had a chance to clear things up due to my health. I understand that I owe, thats not the complaint here. My complaint is with the company Check n Go, on XXXX XXXX and XXXX XXXX, XXXX XXXX Texas, XXXX. They have called my references which is a standard practice but in the same sentence they revealed my entire loan to a family member ( s ) that knew more about the loan that I taken out than I did. They informed them on the amount of the loan, the delinquent status of it, the interest as well as any pay back amounts associated with this particular loan. It wasnt in their place to discuss this with my references at all, they were not co-signers on the loan so revealing this info was not necessary and I felt that they did not respect my privacy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion failure to block or delete fraudulent XXXX XXXX loan. I have a right to request this lawful approach per Fair Credit Reporting Act. Thank you.
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute to Experian requesting the name of the Data furnished on my credit report regarding a bankruptcy. Experian is violating my privacy per the FCRA, and the privacy act of 1974 and the right to opt out. I did not grant/authorize any third party data furnisher to report to Experian nor any of their affiliates. ( a ) A consumer shall have the right, at any time, to direct a business that sells personal information about the consumer to third parties not to sell the consumers personal information. This right may be referred to as the right to opt-out.

( b ) A business that sells consumers personal information to third parties shall provide notice to consumers, pursuant to subdivision ( a ) of Section 1798.135, that this information may be sold and that consumers have the right to opt-out of the sale of their personal information. 
Attached is a letter from the Bankruptcy court stating that they do not report to credit bureaus. I demand that Experian correct this matter by updating my credit report with the requested deletion.