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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card or prepaid card

My XXXX tradeline ( oldest tradeline ) was closed with out notice from the lender. When I called, they blamed the regulation and stated there was nothing they could do. This is now going to negatively impact my credit Score and the possibility of borrowing int he future. Since there was zero activity for 12 months they are closing it, but never made me aware that is had been 12 months or that a deadline was coming.
Product: Credit card

capital failed to understand that my account was hacked never once reached out to me to help and I dont have the account nomore all my funds was gone
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Also please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft.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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I was having difficulty opening a new bank account at an online bank. I suspected that the problem might be caused by the fact that my credit was frozen so I went onto the Experian website to unfreeze my credit and accidentally signed up for a credit monitoring membership in the process. 

After my mom 's credit card was charged on XX/XX/20, I contacted Experian and was told that the membership would be canceled and that the {$23.00} charge would be refunded. 

My mom just realized yesterday that she was charged {$23.00} again on XX/XX/20 and on XX/XX/20. When I contacted Experian this time, I was told that they had no record of my previous call and that the charges are not refundable. This time, I asked for a written confirmation email that the membership would be canceled. They did not send me an email ; however, they did provide me with a cancellation number. 

A process that steers people into a membership that they don't want when they attempt to unfreeze their credit is deceptive and continuing to charge me after I had already canceled the membership in XXXX is fraudulent.
Product: Mortgage

I have been a long term customer with Citibank. I currently have a mortgage with them through XXXX which is controlled by Citi. After receiving literature offering refinancing options and I submitted an application. The mortgage refinance process with Citibank began at the end of XX/XX/2020. The fees were paid, paperwork completed including providing all requested documentation, the rate was locked in on XX/XX/XXXX. 

The loan was provisionally approved XX/XX/XXXX, at which point a few additional items were requested and provided back to Citibank within several business days. 
Citibank then requested additional documents on XX/XX/XXXX, provided back to them by their deadline of XX/XX/XXXX. The rate was locked til XX/XX/XXXX ; the packet ( as they indicated ) was sent to underwriting. The closing was scheduled for XX/XX/XXXX Since that time, Citibank continuously requests additional information for example, my pay stub three times ( no change in employment since qualifying for the initial mortgage ). The closing date consistently changes ( at least six times ) a significant amount of my time has been wasted through follow-up and the 6+ months of paying a higher monthly mortgage rate. 

Most recently, an additional request for information and documents already provided was sent on XX/XX/XXXX and submitted again. Citibank sent an approval letter on XX/XX/XXXX. The next closing date was set for XX/XX/XXXX which matched the new rate approval expiration date. On XX/XX/XXXX, a message arrived that the closing would be rescheduled for XX/XX/XXXX at XXXX XXXX. A draft of the closing disclosure was sent on XXXX XXXX which confirmed the closing date of XXXX XXXX with a rate lock extension now to XXXX XXXX. I heard nothing and finally wrote to them on Friday, XXXX XXXX. A few hour later a text message arrived from the title company which indicated a person would drop by my home to sign the paper work. However, 30 minutes before the closing the the agent from the title company telephoned that they did not receive the paper work from Citibank and hence the closing was canceled. 

Citibank has cornered me because theyve collected my fees upfront, now there is a tax on all refinances in XXXX. My monthly mortgage payment is higher than the refinanced rate, and the amount of time spent on this transaction is beyond reasonable. In fact, their unprofessional behavior and consistent inability or desire to resolve these issues should be addressed and remediated. They have every incentive to continue with this behavior without penalty since they financially gain from the delay. I look forward to you looking into this and helping protect consumers against fraudulent behavior that causes financial and emotional stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Vehicle loan or lease

On XX/XX/scrub> 2024 I applied for a vehicle loan through a dealership XXXXl with XXXX they sent my application to XXXX XXXX and Ally Financial. I had a loan with Ally Financial prior and it was paid as agreed. When I applied for this loan I was denied however. Ally Financial told me that XXXX was stating ; Your credit score : XXXX Date : XX/XX/year>2024 Scores range from a low of XXXX to a high of XXXX Key factors that adversely affected your credit score : Too many accounts with balances ( Applicant ) Length of time accounts have been established ( Applicant ) Too many consumer finance company accounts ( Applicant ) Length of time revolving accounts have been established ( Applicant ) Then Ally Financial told me that XXXX stated ; We also attempted to obtain your credit score from XXXX to use it in making our credit decision. A credit score is a number that reflects the information in your credit report. A credit score can change, depending on how the information in your credit report changes. 

Then Ally Financial stated ; tInformation about your credit score from XXXX XXXX XXXX : We also obtained your credit score from XXXX XXXX XXXX and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes.

Your credit score : XXXX Date : XX/XX/scrub> 2024 Scores range from a low of XXXX to a high of XXXX Key factors that adversely affected your credit score : Limited history for consumer at this phone ( Applicant ) Length of residence too short ( Applicant ) Too few active accounts ( Applicant ) Distance between address and area code of phone ( Applicant ) Under the Fair Credit Reporting Act it states " Each of the nationwide credit reporting companies XXXX, XXXX, and XXXX '' XXXX XXXX also known as XXXX is not one of the Three credit reporting agencies. Which is completely a false, as there is no inquiry on my credit report from Ally Financial on my XXXX Report. Plus, my credit is mainly reported on my XXXX report and XXXX Report with limited information on my XXXX Report. 

This is a violations of the Fair Credit Reporting Act. You should be fined and admonished. I would also like to know what is going on, like how long do I need to be at the same address or have the same number, and both are in the XXXX XXXX area. I would like for Ally Financial to know why Ally Financial violated my rights to a fair credit decision.
Product: Prepaid card

I have experienced this exact issue with an AmEx card I received in XX/XX/XXXX. 

Regarding this complaint, I received a {$1000.00} AmEx gift card in XX/XX/XXXX and activated it today, XX/XX/XXXX. I have not been able to use any of the funds on the card. 

Using this AmEx card, I attempted to make a {$120.00} purchase on XXXX on XX/XX/XXXX, but it was declined with the website saying it was an invalid credit card number. I tried rewriting the card number couple of times with no luck. Also on XX/XX/XXXX, I tried again to make another purchase on XXXX for a total of {$62.00}, which was declined. Clearly, both of these purchases fall well within the {$1000.00} card balance. In checking my AmEx balance, I can see that there are two pending {$0.00} authorization charges totaling {$0.00} from XXXX that directly correlate with my failed purchase attempts. Despite this, my card was declined every time I tried to use it.
Product: Debt collection

Fully paid off on XXXX XXXX continues to say I owe resurgent capital service which I fully settled the account with XXXX.
Product: Checking or savings account

Hello, my PayPal account is now permanently limited. Help me restore my PayPal account. I don't know why it was limited. Help me restore sir. Thanks a lot
Product: Credit reporting or other personal consumer reports

To whom this may concern, while checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the fair credit reporting act section 1681 ( b ) ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you main under my social security number. 

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

I have previously requested that the credit bureaus delete the following addresses that are reflected on my credit report. They have each responded that the addresses had been previously deleted ; however, when I retrieved my most recent credit report on XX/XX/18, the addresses are still being reflected. I have also requested that the alias ' be removed from my credit reports, yet the bureaus continue to report them. This is a violation of my consumer rights under the FCRA. I am again disputing the following alias ' and addresses for them to be removed from my credit reports : XXXX : *Delete XXXX XXXX & XXXX XXXX XXXX *Delete addresses : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX *Delete address : XXXX XXXX XXXX, XXXX, FL XXXX ( These addresses do not belong to me ) Equifax : XXXXUpdate name to XXXX XXXX XXXXDelete XXXX XXXX XXXX XXXXDelete address XXXX XXXX XXXX, XXXX, FL XXXX XXXX  : *Update name to XXXX XXXX *Delete XXXX XXXX XXXX *Delete XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX *Delete XXXX, XXXX, XXXX *Delete address : XXXX XXXX XXXX  XXXX, XXXX, FL XXXX *Delete address : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX TRANSUNION Account Type : Secured Credit Card Dear Sir/Madam, I am exercising my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) to formally dispute inaccurate and unverifiable information related to my account with SELFINC/LEAD, which has been marked as " charge-off. '' Upon reviewing my credit report, I have noticed the following significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest : reported balance : {$260.00} Current : balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Account type : Secured credit card. 

XXXX : Highest reported balance : {$0.00} Current balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' It also states that the accounts unpaid balance was reported as a loss by the creditor. 
Account type : Credit line secured. 

XXXX : No information reported regarding this account. 

These inconsistencies between the credit bureaus, particularly regarding the balance reported, account status, and type, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies maintain maximum possible accuracy in the consumer information they report. TransUnion and XXXX report different balances, with XXXX listing a {$0.00} balance for the highest amount, and XXXX reports nothing at all regarding this account, creating a discrepancy. Additionally, XXXX notes an unpaid balance reported as a loss, while TransUnion does not. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to accurate and clear information about my credit obligations and payment history. The discrepancies between the reports are hindering this right and inaccurately affecting my credit score and history.

I request that you investigate this dispute under the FCRA and TILA, and remove the inaccurate information, including the charge-off, from my credit report. The differences between the credit bureaus indicate the inaccuracy of the reported information. Please provide me with the results of your investigation and a corrected report as soon as possible. 


For your reference, I have attached copies of my credit reports showing these discrepancies. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I thank you for your help in removing some of the erroneous items on my file which are seems to be inaccurate. Per FCRA segment 605, you are required to disposed the following items that are seems to be an error on my credit report. I think you have enough time to make actions regarding this matter and be resolve immediately and as a result of that I am expected that all the items that such an error on my account will be removed. Kindly delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

We leased a XXXX XXXX XXXX from Ally for three years. My wife drove the car and washed it just about every day. It was kept in immaculate condition. When we turned it in to XXXX XXXX in XXXX, NC, the XXXX manager commented on its first-rate condition. She took it in regularly for periodic maintenance for the three years. After turn in Ally asked for more money for tires. If XXXX had thought the tires worn we would have responded, but they never said a word. They have confirmed this. The contract states " You may be charged for excessive wear based on our standards for normal use. '' The odometer reading at turn-in was XXXX miles, not a lot of mileage!. Ally has been pestering us for over two months asking for {$510.00} for excessive tire wear. Once gain, the car was in immaculate condition and should have brought top dollar at resale, to try and get another {$510.00} is absurd. I have told them on numerous occasions to stop calling, because we will not pay another {$510.00}. We were on time for every payment. Our credit rating is, and has been, at the XXXX-XXXX level. 
I have asked to speak with a supervisor on numerous occasions, because the operators do n't speak clearly and have an accent. All I get are busy signals or recordings. Now they are threatening to contact credit bureaus.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint to request your assistance in resolving a dispute regarding an inaccurately reported account on my credit reports with Experian and XXXX. Specifically, the account in question is : XXXX XXXX Account XXXX XXXX This account is currently reported as a charge-off with the designation Profit and Loss Write-off by Grantor. However, I believe this information is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ). 

If this account was indeed charged off as a profit and loss write-off, I should have received a Form 1099-C from XXXX XXXX, as required by IRS regulations for reporting the cancellation of debt. Since I have not received this form, it raises serious concerns regarding the accuracy of the reporting : 1. The account is being inaccurately reported to the credit bureaus, violating FCRA Section 623. 
XXXX. XXXX XXXX may have failed to report the charge-off correctly to the IRS, potentially indicating fraudulent or negligent activity.

Under the FCRA, creditors are obligated to furnish accurate, complete, and verifiable information to credit bureaus. Any inconsistencies between a creditors internal records and IRS filings, or between how the account is reported to credit bureaus, represent a clear violation of federal law.

Furthermore, under the FCRA, statutory damages may be sought if a creditor furnishes inaccurate information about a debt, such as misreporting a charge-off while continuing to claim the debt is owed.
Product: Debt collection

I opened my XXXX and noticed an email from XXXX XXXX. 
Reports through the three major credit bureaus XXXX, etc It states I have two deragotries.and one of these accounts it says The Stark Collection Age. 
This was opened in XXXX The amount is {$330.00} $ I have never took a loan with this company.i am XXXX XXXX Social security. 
I tried looking up a phone number for this outfit to get a hold of someone ..no phone number XXXX XXXX is taking points of my Credit number I don't know who this person is ..and never took an amount of {$330.00} Now this is on my credit report? 
It's a loan place to what I gather. 
And in XXXX I never took a loan out period. 
Yes this is effecting a credit score as in Now. 
So now I'm looking for a number on this business .or go through F.B.XXXX or any other? 
R Took screen shots of what I was reading from my email
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is furnishing my Consumer Report without any authorization. 
Transunion is not allowing the right to exercise my right to Privacy and remove late payment reporting and utilization reporting.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 we made our regular mortgage payment on time. 
The amount was short because of an escrow increase. 
The bank who manages our escrow account did not use all the contact info on file to notify us of the issue. 
They did not accept the payment but did not return it either. 
They placed it in the mortgage account unapplied knowing it was a mortgage payment. 
They in turn then reported a missed payment not a short payment. This has reduced my wife and my score XXXX. 
We have never had a late payment in 45 years of credit. 
I called the bank and made the payment difference over the phone. The bank agent mis entered my checking account number so 2 days later I followed up again and took care of the small difference that was short. 
I have asked for corrected reporting of a short not late payment and the bank refuses they also do not pay me interest on the money they impounded that was my on time payment nor did they return it to me as they claim it was not accepted. You can not have it both ways. 
The bank claims they can not remove the missed payment from my credit report however this is not true banks do good will adjustments all the time.
Product: Student loan

I have a consolidated federal loan with Mohela. I applied on XX/XX/year> to be put on the SAVE plan. My application is still processing. The Education Department states on their website :. If servicers need time to process a borrowers IDR application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for PSLF and IDR forgiveness. If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward PSLF or IDR until their application is processed. Interest will not accrue in this general forbearance. I have been in processing for much longer than 60 days and they still have not moved me into an interest free general forbearance which the government website states they should do so I am filing this complaint.