23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Applied and was approved for Citi XXXX XXXX XXXX card on XX/XX/year>. Was instructed that the card was available for immediate use via temporary card information. Visited XXXX  warehouse on XX/XX/year>, received printout from customer service with temporary card information, which was used on the same day within the warehouse to make a pharmacy purchase without issue. 

Received physical card in mail on XX/XX/year>. Successfully activated card via Citi mobile app. Tried to add the card to XXXX XXXX and was instructed to call Citi. Called Citi and was instructed that they could not verify the account since I only had a single phone number and no banking accounts with them. They stated that they would have to send a verification code via mail which would take 4-7 business days. The account was then locked out of the mobile app until the verification code arrives in the mail. I can no longer see the account balance, due date, or manage payments. Citi representative was unable to verify how to handle the outstanding balance charged on XX/XX/year> via the temporary card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$2300.00} on the XXXX/XXXX  and XXXX XXXX partial account numbers XXXX. ( Please see pages attached from my credit report. ) First, these are the same accounts being reported in duplicate. This is a violation of the Fair Credit Reporting Act. Second, I purchased the manufacture warranty on the furniture. ( I have attached a copy of the warranty. ) The furniture was defective and returned under the warranty period. There is no outstanding debt on this account. I was not aware there was a collection until I obtained my most recent credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK IS FALSELY REORTING 2 ACCOUNTS AS INCLUDED IN BANRUPTCY, WHERE IN FACT WAS REMOVED FROM DEBTORS LISTS ( CREDITORS FINAL NOTICE TO CREDITORS, BK CASE XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX i called Pioneer Credit on XX/XX/2019 to find out about this accounts. They told me no accounts # still in their system. They would brought out by XXXX XXXX.
Product: Debt collection

On XX/XX/19 at XXXX XXXX i received a phone call from Comenity Bank. On several occasions I have told them they can not call me while I am at work to call after XXXX XXXX. This day the agent who identified as Ms. XXXX took the note and preceded to have a conversation with me saying that I needed to handle the situation although I told her I could not talk. She then proceeded to harrass me about my bill and ask when I'm going to pay it. This is not the first agent that has done this. It happens repeatedly and my request to call me after a certain goes unnoticed and are ignored. I asked for a supervisor and when that was done i was hung up on. I called back to speak to a supervisor and again my call was disconnected.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Documentation - Account Number [ Your Account Number ] Dear Sir/Madam, I trust this letter finds you well. I am writing to address a matter concerning the alleged debt associated with my account, specifically referenced under account numbers [ Account Number 1 ] and [ Account Number 2 ] that are also not reporting on my consumer report. As a responsible consumer, I have consistently sought to understand the details surrounding these alleged debts. 

Your recent correspondence indicates two accounts, one with a balance exceeding {$600.00}. My primary concern is to obtain accurate and substantiated information regarding these purported debts. To this end, I have repeatedly requested documentation, particularly Form 1099-C, which would serve as proof of the debt cancellation.

While I appreciate the complexities involved, the timely provision of Form 1099-C is crucial for transparency and compliance with tax regulations. However, my attempts to obtain this documentation have been met with responses indicating that there " isn't time for that. '' In light of your assertion that I owe these debts, I kindly insist on the prompt furnishing of the Form 1099-C for the specified accounts. In the event that providing this documentation proves challenging, I must emphasize that the accounts in question must be promptly deleted from my consumer report. 

Failure to furnish Form 1099-C or to delete the accounts from my consumer report will leave me with no choice but to escalate this matter further. I will be compelled to contact the IRS to report potential fraudulent activity, as the absence of proper documentation raises concerns about the legitimacy of these alleged debts.

I trust we can resolve this matter amicably, and your cooperation in providing the necessary documentation will be greatly appreciated.

Thank you for your immediate attention to this request. I anticipate your prompt response. 

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

In Accordance with the Fair credit reporting act, This creditor has violated my rights. Under 15 U.S.C 1681 section 602 states I have a 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. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit account under an open end as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to Transunion asking them to look into inaccurate information that I found on my consumer report. There has been no response and no updates that these accounts are in dispute, it has been over 60 days since and still no response. My information was compromised because of the XXXX data breach and I want these accounts deleted immediately as they have cause me great stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get late payments removed from my credit report for over 60 days. I file disputes on their website, and when I didn't get any results/responses, I hired a credit company, XXXX XXXX and have been paying {$110.00} a month to get these removed. Letters were sent by this company over 45 days ago. 26 request only 1-2 removed. This doesn't make any sense. These late payments were approved by the companies during pandemic and all monies owed, since then have been paid in full. I also ask them to remove the company that ran my credit without my consent. Nothing is being done and I an getting frustrated and very concerned. I am trying to get approved for a home and they will not even consider my application until these disputes are resolved. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX i disputed a collection that was wrongfully placed on my consumer credit report.the collection company XXXX XXXX XXXX XXXX and XXXX XXXX has DELETED /REMOVED the collection of my report ON but XXXX and transunion is still have it reported, this is a violation of my rights, its a violation of my privacy they are reporting inaccurate information on my consumer credit report and that needs to change.my rights has been violated under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

Chime closed my bank account and says Im not eligible to receive my funds in my account and wont explain what I did. This happened after I made {$2000.00} worth of deposits yesterday after selling stocks and XXXX on XXXX to pay my bills. If this violates their terms I was not unaware and understand if they need to close my account but keeping my money when I have kids to feed and bills to pay is just crazy when Ive done nothing illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To SYNCB/CARECR XXXX. XXXX XXXX XXXX, FL XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you are Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states for XXXX a high credit of XXXX and XXXX  high credit as XXXX, and XXXX  as deleted. First, you can not report different credit limit amount between credit bureaus. Second, you can not report an account that you have no legal right to collect because, I do not have a verbal or original written contact with my signature, stating you have the right to collect. I have enclosed a snapshot of my credit report showing the reporting. 

Delete per violation, cause you can not report different information between credit agencies, which makes this account inaccurate and you have no legal right to collect because you do not have no original contract on file with my signature and please do not reply with a copy of an driver license, copies of credit card statements, or copies of papers from third party carrier, as this do not validate the right to collect and will not hold up in court. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, original company must have an original contract on file bearing the signature and can not use third party information to collect a debt. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering. In addition, XXXX  have already deleted this account from my report as it was found inaccurate. 

Delete this account from my credit report immediately, or I will seek legal action.
Product: Credit reporting or other personal consumer reports

I am attaching my FTC Identity theft report which lists the following accounts that need to be removed from my Experian credit report as they are not my debts. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( this acct is listed twice with slighlty different name ), XXXX XXXX XXXX ( this is the XXXX debt that is listed in the FTC report ). I am certain these acconts are not mine.
Product: Credit reporting or other personal consumer reports

I filed a complait to the credit bureaus regarding inaccurate report on my credit file. Please help me to dissiminate my complaint to them.
Product: Credit reporting or other personal consumer reports

I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per USC 1681g, I am formally requesting their removal within the next 15 days. Relevant documents are attached for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting is putting in accurate information on my credit report, I received new information on my credit report and it is filled with inaccurate information that does not belong to me, please remove this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block anyitems which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate , correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681c-2 ( a ), and 605 ( b ). I am a victim of identity theft resulting from a data breach, and the accounts and inquiries listed below were opened or made without my authorization. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 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 item 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

After contacting the company and a legal advisor. I have been told to report this error through here. I have been a victim of identity theft. There were several accounts opened under my name without my knowledge and consent. 4 of the accounts are as listed. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' opened on XX/XX/year> with a {$53000.00}. I've made claims about these in the past and it is not fair that it is still reporting on my credit.
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 XXXX Account # 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 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

I sent letters to all three credit reporting agencies stating the following : There are things on my credit report that I believe are inaccurate and false, I want you to know that I take my financial obligations very serious, and if it werent for these few inaccuracies, Id have an excellent repayment record. Please consider this a formal request to investigate and correct the following items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I ask that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1. Late payments XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX. Late Payments XXXX XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX. Late Payment XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX. Late payment XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX .Inconsistent open dates Throughout credit reports Not consistent among the three. 

XXXX. Inconsistent payment date Throughout credit reports Not consistent among the three. 

XXXX. Inquiries done by XXXX XXXXXXXX XXXX XXXX which I do not recognize.
Product: Mortgage

I am writing to dispute the mishandling of my escrow account. I recently received a statement indicating that my escrow account has a negative balance due to a shortage in the account. However, upon reviewing the statement and my payment history, I believe there has been a mistake. I have been diligently making my monthly mortgage payments on time and in full, and I am confident that my payments have been applied correctly. Furthermore, I have not made any changes to my insurance or property tax payments that would warrant such a shortage. I am concerned that this mistake has been made on your end, and I am requesting a thorough investigation into the matter. I request that you provide me with a detailed explanation of how this mistake occurred and what actions you are taking to rectify the situation. Additionally, I ask that you provide me with a corrected statement that accurately reflects my escrow account balance and a plan for replenishing the funds that were wrongly removed from my account. Furthermore all this discrepancies started on XX/XX/2022 after I received a refund check from XXXX XXXX XXXX XXXX for the amount of XXXX $ receipt # XXXX XXXX $ were pay to XXXX XXXX XXXX XXXX on XX/XX/2022 and the remaining balance of XXXX $ was left on the check, I spoke to customer service representatives from Caliber Home loans and Corelogic regarding this refund i received and what to do with that money I spoke to agents in XXXX and XXXX to confirm what to do next and they all assure me that nothing need it to be done and I could do with that money as I please, this was deceiving and incorrect information I send 2 letters requesting the transcripts of the calls and they gave me the run around and provide me Inaccurate information saying the transcripts were proprietary information and I need it a subpoena, I am a first time home buyer who come from a non-property-owning family or culture this escrow increased have put a big stress on me.