23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This was a return of a XXXX product that I returned immediately after receiving it. They lost the tracking information. They called repeatedly threatening to put this on my credit report. This debt was sold to a third party without my consent. I did not sign anything wanting my personal information given to a third party. Fear of identity theft.
Product: Credit card or prepaid card

On XX/XX//23 I provided Citi with a XXXX payment to close out the existing balance on my card. The payment was provided by XXXX XXXX and received by Citi but balance was not adjusted and payment not recognized by Citi for over two and a half weeks following payment. I called multiple times and was told by customer service a variety of reasons why the account was not reconciled. Citi attempted a third party three way call with someone they claimed was a XXXX XXXX rep at which time personal fiscal information was requested. I terminated the call and contacted XXXX XXXX who advised pulling back my payment. This was done. I called Citi and attempted to work with a customer service agent to ascertain what amount of payment would not initiate the same behavior on their part. I was advised to make XXXX payment which would clear my account immediately. I did so on XX/XX/XXXX and now have been told that the payment would not clear and I would need to wait indefinitely for Citi to recognize. This violates the T & C of the card for timely recognition of payment and account balance adjustment.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from my credit report.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX I sent {$500.00} to a personal friend in XXXX using Taptap send I sent via XXXX but TapTap Send sent it via XXXX so the money never was received by the Recipient. I contacted TapTap Send and explained to them they made a mistake. My Recipient Sent me a copy of his Bank account statement stating that no funds were received on that day. I've contacted TapTap Send Over and over an they keep telling me to be patient they are waiting to hear back from a 3rd party, Its been since XX/XX/XXXX I think I've been patient enough I've contacted them Via Email a numerous times and telephone but always the same we are working on it. I don't have {$500.00} dollars to throw away.I just want my Refund Back
Product: Vehicle loan or lease

XXXX ACCOUNT NUMBER : XXXX An unauthorized car loan was made in my name without my consent on or around XXXX of XXXX. I was recently notified through XXXX that a DATA BREACH including my information had been used, This is unfair and unduly for it to remain on my credit report and I would like it Removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA of 15USC ; 1681, SECTION 602A, states I have a right to privacy. Also, it states the credit reporting agencies can not furnish account data without my permission/consent.
Product: Credit reporting or other personal consumer reports

HELLO! 

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to rent an apartment, but the leasing office is unable to acquire my credit report. I tried accessing my credit report in MyEquifax.com and received error code XXXX. It also says that the last time my credit report was generated, was in XXXX. When trying to access my account again, it gave me error code NH XXXX with 3 different representatives, and 1 supervisor on XX/XX/XXXX. The first call the said they escalated the case, and that they would send me a physical copy of the report. The second time I called, a couple hours later, the agent said that they could not send my report because of the discrepancies. So now, they are contradicting themselves. They said that they dont see an issue with my credit report in their end. They said there were discrepancies with my personal information. They said i would have to fax supporting documents to get it solved. 
Submitted online disputes on Myequifax.com, and uploaded supporting documents. 
Submitted supporting documents via fax requested by Equifax on XX/XX/XXXX Spoke with 1 representative and 1 supervisor on XX/XX/XXXX - not able to tell me if documents were received. They told me to call again after 5 days to see if documents were already received. And to wait 5 more days after that for a resolution. Even though I dont have time, because the leasing office is holding my application.
Product: Credit card or prepaid card

I applied for a business credit card for XXXX XXXX XXXX XXXX  with my banker at Chase. It was for a chase business ink card. 

Despite my multiple attempts and the credit pull showing up on my report, I never got a response if I was denied or approved. I called many times and Chase could not let me know. Here we are over 7 months after the application and still no sign of a decision. I think Chase got very busy with PPP and Covid, but still, the logic escapes me as to why I would get a hard pull and no decision. That has never happened to me before.
Product: Checking or savings account

Debit Card Transactions on my account that are not locatable via any company name were reported to Chase Bank on XX/XX/XXXX by internal email on my account. The same day, another withdrawal was made. I contacted Chase after receiving an email with a claim number XXXX on XX/XX/XXXX. When I spoke to the customer service representative on XX/XX/XXXX, they were not interested in the initial deposit and withdrawal both for nominal amounts of {$2.00} that were processed and approved by Chase Bank. Even though I submitted the complaint on XX/XX/XXXX, they still processed the XXXX XXXX transaction on the same day. 
Following is the list of transactions. I have attached the reply following the phone conversation on XX/XX/XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Debit card transaction {$40.00} ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, {$40.00} ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$40.00} ; XX/XX/XXXX XXXX *XXXX XXXX XX/XX/XXXX, {$41.00} ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, {$41.00} ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, {$40.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, {$2.00} XXXX XXXX XXXX XX/XX/XXXX, {$2.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts in my report that I view fraudulent, the dates, balances, and statuses are wrong. This is violating my FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX acct # XXXX, XXXX & XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX, XXXX acct # XXXX and XXXX XXXX XXXX acct # XXXX have violated my rights. 

In 15 U.S.C 1681 Section 602 A it states : I have the right to privacy.

In 15 U.S.C 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have credit inquiries on my credit reports that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I became a Covid-19 affected employee. I missed a payment on my XX/XX/XXXX account in XXXX 2020. I requested that XXXX XXXX  forgive my past due payment, due to my spotless 3 year payment history, and they sent me a letter stating they would remove my XX/XX/2020 late payment. I have attempted 4x to get the credit bureaus to update my account based upon the creditor 's correspondence, but they continue to fail to update and now refuse to allow me to further dispute this item to get it reporting accurately. I am trying to apply for a mortgage but I am receiving decline notices due to this very recent blip on my report.
Product: Credit reporting or other personal consumer reports

Im begging you please remove this to the credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and TD Bank USA/Targetcred, XXXX XXXX, and XXXX XXXX. The Account Opened is TD Bank USA/Targetcred Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6200.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial is reporting that all payments have been delinquent for the year 2022. 
I have paid on time ( automatic payments from XX/XX/2022 to current.
Product: Money transfer, virtual currency, or money service

Chime Bank prepaid account XXXX XXXX prepaid debit account Dated XXXX XXXX XXXX Amount {$1300.00} XXXX  XXXX XXXX XXXX The actions were taken by account owner to contact bank for a replacement debit card for both accounts my data, phone calls, emails and messages have been redirected XXXX XXXX is a witnesses consider to be responsible party to the victim record show a switch that has been downloaded and is punishable by the law and is considered to injustice
Product: Credit reporting or other personal consumer reports

am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts XXXXnsumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I ordered my credit report and found a repossession account on all 3 bureaus. That account has multiple violations of FCRA, such as balances, dates, it was reporting differently in all 3 bureaus. I was able to remove it from 2 bureaus, because account is not verifiable. But Equifax is not removing it even though it shows they did investigation. 
I have contacted XXXX XXXX XXXX directly in XX/XX/2021 to validate information, but they didn't respond ( I have return receipt ) My question is HOW could Equifax credit bureau verify this account if original company couldn't.
Product: Vehicle loan or lease

Thank you for the opportunity to discuss my account with you. As you know my most recent credit report with [ XXXX, XXXX, XXXX  ], contains late payments reported on my XXXX XXXX. 

I have an excellent repayment record with your bank. I appreciate the credit you have granted to me and understand my obligations. I missed the payment ( s ) due to loss of income, medical emergency, move and since then, I have a new job and been on time for more than three years. As you can see, since then, Ive also had a spotless record of on-time payments. 
My credit is very important to me, and I would like to maintain a spotless record. I would like to ask that you remove that late payment history as a one-time courtesy. Im planning to apply for [ a mortgage/auto loan/etc. ], and its come to my attention that the missed payment on my record could hurt my ability to qualify.
Product: Checking or savings account

On XX/XX/21 I went to XXXX XXXX to buy a XXXX XXXX went to pay and it had said declined. I checked my bank account which had more than enough money in it to purchase the product. Got an email from my bank saying account has been been restricted for any account I cant make purchases withdrawals buy stocks etc. i contacted support they made me up load my id and do a live selfie to confirm it was me who called. If it was to confirm it was me who made that purchase it shouldve been as simple to text or call me. But my account is still restricted and this is where I get my pay check sent to and Im unable to get anything I need like gas food etc
Product: Checking or savings account

I XXXX got money depsoited to my acct from a loan ... once the money got deposited to my acct i started withdrawing some of the money ... then they stoped me with drawing the money blocked my acct sent me to the fraud department..asking me all types of questions ... and very rude customer service ..which i know for a fact XXXX of the agents was very XXXX in so many ways she didnt even hide it the way she was asking me questions and harrasing me about my acct to where she blocked it ... .i been going back and fourth with these people to release my funds and unblock my acct... nothing has been done its going on about XXXX now ... every time I call them ..the call is always recounted to another country ..no one can answer my question and they keep hanging up on me cause no one can help
Product: Debt collection

XXXX XXXX XXXX sent me to this collection agency. I have sent numerous letters and bankruptcy documents to this company that this account was included in my Chapter XXXX Bankruptcy. If this matter is not resolved within 30 days I will notify the bankruptcy court of Wyoming that I.C Systems is illegally trying to collect a debt that was included in the Chapter XXXX bankruptcy I will also file a law suite in the small claims court of XXXX County against both company 's. If this is not resolved by XX/XX/2020 a court case will be filed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of idenitity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive wasted a lot of time trying to get this matter resolved, they are a few items on my credit report that I do not recognize with incorrect information. I tried to get in touch with the Credit Bureaus several times and got no answer.
Product: Checking or savings account

I started working with XXXX delivery and was told I already had a Branch bank account set up but I have not been able to get into it. The bank refuses to help me and the XXXX  company has nothing to do with it. I have been reaching out for two weeks. I have a XXXX XXXXXXXX that was deposited on XX/XX/2023 as well as a week before and have yet to see my money.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 writing to express my dissatisfaction with the several numerous attempts to correct the late open accounts associated with my account. As a valued customer, I expect timely and efficient resolution of any issues, especially those concerning financial matters. 

I first brought to your attention the discrepancies in my open accounts. Despite assurances that the matter would be promptly addressed, the issue persisted, leading to further inconvenience and frustration on my part. 

While I appreciate the efforts made by your team to rectify the situation, the fact that a second attempt was necessary raises concerns regarding the effectiveness of your internal processes and systems. It is imperative that such errors are not only corrected promptly but also prevented from recurring in the future. 

I urge you to conduct a thorough review of your procedures to identify the root cause of these discrepancies and implement appropriate measures to prevent similar occurrences. Additionally, I request compensation for the inconvenience and any adverse effects this situation may have had on my account. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX  XXXX Balance : {$35000.00} ; XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$510.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent po report from XXXX to experian and XXXX XXXX cra violation
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
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 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 Balance : {$5900.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : - XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXXXXXX ( XXXX Creditor XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX {$1100.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1400.0XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, NY XX/XX/XXXX
Product: Debt collection

I WAS REVIEWING MY CREDIT REPORT AND WAS ALARMED BY THE FRAUDULENT ACCOUNTS AND INQUIRIES REPORTING. PLEASE SEE ATTCHED DOCS. 


I WOULD LIKE THE FOLLOWING ACCOUNTS DELETED WITHIN 5 DAYS. 

ACCOUNTS ARE : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX AND 1ST FRANKLIN FINXXXX. 

PLEASE DELETE THE INQUIRES REPORTING ALSO. 
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

- > after i found out XXXX got hacked i tried to place a fraud alarm on my account but they are making it difficult to put that in. this should be done automatically since it 's there fault that they got hacked. instead they are making it difficult by requiring that i mail my request for something that should have been done over the phone or online.
Product: Credit reporting or other personal consumer reports

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has XXXX my reputation, and I urgently need your help. The way youve handled my credit report has left me XXXX, as the inaccurate information has seriously XXXX my reputation. Its crucial that these errors are corrected so I can move forward with my family.