23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Hello Experian professional, This is the 4th time I am disputing this issue with the below accounts. This is highly affecting my ability to buy a home for my two kids and wife. I need justice as soon as you see this message. The data furnishers are reporting inaccurate information and they never sent me thier full method of verification. See my screenshots below. THEY ARE WRONG, please dont let them keep verifying things that dont pertain to me. If it does not have my full name : XXXX XXXX XXXX XXXX on the account then it is in accurate. IF it does not have XXXX XXXX XXXX XXXX, DE XXXX, or DOB XX/XX/XXXX on the account it is in accurate. If it does not have the correct dates of activity it is inaccurate. By the FCRA it needs to be deleted. 

Delete the following accounts due to inaccuracies : XXXX XXXX ( XXXX : NOT REPORTED, Experian : Last Payment XX/XX/XXXX, XXXX : Last payment XX/XX/XXXX ) XXXX XXXX ( XXXX [ NOT REPORTED ], Experian Balance = {$11000.00}, XXXX Balance = {$11000.00} ) XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX : Last payment XX/XX/XXXX, Experian Last payment XX/XX/XXXX, XXXX [ NOT REPORTED ] )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and I am being violated of my rights as a consumer to have accurate credit reporting on my credit file with Equifax FCRA 611 ( 15 U.S.C. 1681I ) .Equifax has not verified the late payment reporting on my credit file and it is hindering me the consumer from purchasing a house. I have sent in Multiple disputes with Equifax about two student loans account that are being reported inaccurate on my credit file. I have disputed both of my student loans account 5x total and Equifax states that their information is correct. 

I have proof that Equifax is changing around my payment history and Equifax is not corporation with my rights as a consumer of having ACCURATE information on my credit file XXXX XXXX XXXX have stated that they have different payment history then Equifax. 

Equifax has never sent me how they Validated my payment history on both accounts being disputed. Equifax sent me a Statement of my student loans which is not a method of verification. 

CFPB I want to remind you it is your duty to protect the consumer from being poorly treated by the credit reporting company such as Equifax and to make sure that each file is showing accurate reporting. 

I also have attached the Statement Equifax sent me as their validation and both of my written letters with the tracking number attached. 

I also have attached a report that Equifax is reportedly differently then XXXX & XXXX and Equifax is missing information such as the Date of Last activity & date of last payment this is Illegal to report. ALL information must Match and be 100 % accurate.
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

I'm using my right to object to these erroneous and non-compliant things as a result. You will only demonstrate your lack of concern for my rights as a customer if you ignore my requests. Reporting information that hasn't been verified as ethical and compliant with recognized reporting standards isn't fair. Once more, I contest these assertions and want documentation of the appropriate reporting guidelines.

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 ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

A tremendous amount of inquiries that I dont recognize or did not consent to has been applied to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item with you And you stated these items to be accurate and verified by the bankruptcy court. I personally contacted the bankruptcy court and they responded with a written statement that they do NOT report any information to creditors or credit bureaus in this case you guys are lying or just not fixing these errors either way you are breaking the law Fcra section 611 15 USC and every inaccurate item reporting should be permanently deleted immediately. 

XXXX XXXX XXXX XXXX Equifax Courts bureaus & creditors tried to false include knowing the courts do not report you broke another l : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX All Accounts included need to be removed
Product: Debt collection

I recently turned XXXX on XXXX XXXX. After logging in to check my credit. I noticed a dent on my credit posted and says opened XX/XX/2020 I was only XXXX years of age then. I contacted this business paramount recovery to inform them that it was not my debt and i was not of legal age to have a binding contract with anyone I was a minor when this debt was said to have been opened and posted to my credit which is Illegal. Was told it was mine and to pay it.
Product: Credit card or prepaid card

US Bank Visa Platinum Card company ( https : //www.usbank.com/ ) and Cardmember Service have held my credit balance of {$140.00} since XX/XX/2023. During US Bank acquiring Union Bank, despite that I blocked the Union Bank Card and requested them to send me the credit balance of {$140.00} on XX/XX/2023, I was forced to activate US Bank credit card and open on-line account, for me to able the see the details of transactions that I have not authorized. 

I have reached out to them multiple times including the dates on XX/XX/2023, XX/XX/2023, XX/XX/2023. They have told me that they are doing research. But, they have not sent me the check amount of {$14000.00}, as they have told me to do so on XX/XX/2023. 

Today is XX/XX/2023. They have held me fund for 75 days now. 

I have called US Bank Service Contact # XXXX, and talked to one of the supervisors, XXXX XXXX. She hung up on the phone pretending like she can not hear me after I held on to the phone talking to several service representatives for over 1 hours and 17 mins. Case/Reference # I was given XXXX XXXX 

Can they really hold XXXX of consumers money like this?! Please advise and help.
Product: Payday loan, title loan, or personal loan

I have Paid ( Settled ) this Account that XXXX XXXX  XXXX Charged Off. They mentioned that if I paid what was Owed it will be Removed from my Credit Report and it is still showing on my Credit Report! 

P.S. I am providing a Letter as Proof that the Account has been Settled.
Product: Credit reporting or other personal consumer reports

XXXX XXXX transferred/sold my original debt to XXXX XXXX XXXX a collection agency, in XXXX of XXXX. Even though XXXX XXXX  gave this debt to XXXX XXXX, they continued to report negative information on my credit report to all three credit bureaus, so this account was being reported twice from XXXX until XXXX when it was settled with XXXX XXXX. I disputed this with Equifax, XXXX, and XXXX and all three bureaus stated it came back as a valid account, even though there is proof that XXXX Sold this debt. After I negotiated a pay to delete with XXXX XXXX, XXXX was and is still reporting this account. After XXXX sold my debt to XXXX XXXX, even though by law, they should have stopped reporting it on my credit report once it was sold. They were and still are reporting the account. This is directly affecting my reports in a negative way. I demand XXXX, Equifax, and XXXX delete this account immediately, because reporting on a debt they legally have not owned for three years, is against the fair credit reporting act which governs accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT DATE : XX/XX/2022 ACCOUNT NAME:XXXX XXXX XXXX XXXX ACCOUNT DATE : XX/XX/2022 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. Ilook forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 Balance : {$35000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$35000.00} XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

They continue to call this number for someone we have told them many times is not at this number and we do not have a number for that unknown person.
Product: Checking or savings account

I submitted a dispute with Netspend and they only pad 3 of the charges disputed as part of a lost card others were denied without explanation and their customer service was unwilling to connect me with there dispute team just explained they concluded fraud did not occur when it was over a lost card and if they believed me and disputed some after and in-between why did they not believe me for other claim XXXX they denied. They also added my last valid charge i made on account for XXXX to dispute which wasn't even connected to my lost card and added it as well to dispute when i explained to their customer service multiple times that it was my last purchase and i wasn't disputing it and also informed them via email to there dispute team this same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX
Product: Credit card

Capital One in XXXX XXXX XXXX, UT XXXX made XXXX hard inquiries to my credit in the last 10 months as follows : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I did not request credit from Capital One during this time period and this has affected my credit rating. I requested they remove the inquires and stop making inquires but have received no response.
Product: Debt collection

titlemax called me many time telling me to contact them. 

I answered one of their calls. told them I had no business with themthey called me a liarthey wanted me to give them personal information which would have allowed them identity fraud on methey kept telling me to XXXX payment and I never dealt with them ever in my life. 

I tried to be nice and explain they had the wrong person. 

when I asked how they got my phone number, they said it was in their " system '' they said I live in XXXX, I never lived in XXXX. I told them numersous times I did not live in XXXX, never did, they kept telling me I was a lair. and was lying to them. and to fess up and make payment. 

this is unacceptable harassment and trying to collect money from me and I never had had any dealing with themtheir phone number isXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A NEW COMPLAINT. 



RE : CFPB COMPLAINT # : XXXX XXXX XXXX XXXX  # XXXX This is a resonse to Citibank 's letter to CFPB. 

Citibank has reported late payments on my credit card for XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

In their letter to CFPB Citibank asserted that they did not receive payments during XXXX, XXXX and XXXX of XX/XX/2021. 

I have attached copies of my bank statements for XX/XX/2021, XX/XX/2021 and XX/XX/2021 showing that All REQUIRED payments have been made on time. 
These payments were paid electronically. 

Citibank must correct their mistake and reinstate my good credit. 

XXXX XXXX XXXX
Product: Mortgage

Applied for a HELOC with Truist Bank to redo our kitchen and consolidate debt on XX/XX/year>. Received an approval on the loan. Set up the appraisal and appraiser came out on XXXX, XX/XX/year> and did an inspection. We then proceeded to remove the kitchen cabinets as the appraisal was done. We then received a call on Monday, XX/XX/year> from another appraiser that he needed to do a full appraisal on the home, we did not hear anything from our banker, XXXX XXXX at Truist in regards to needing a new or a full appraisal. The appraiser came out and was not able to do a full appraisal but would be a subject to completion. 
Truist then cancelled that appraisal without notice to us and informed us that we needed to complete the kitchen before a value could be given. 
We paid for our kitchen out of pocket to be completed, only to have received an email on XX/XX/year> that our loan was cancelled. 
I called XXXX XXXX at Truist Bank to inform her of the email, she said she would discuss with the underwriter. I have not received a response and she has not returned any of my calls or voicemails. 
I am also unable to look at previous emails to show the communication on the matter, as they have been deleted from the Truist server, I only have a certain amount of time to read.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the recent Equifax data breach. 

This company allowed enough data to be stolen to steal the identity of most, if not all, working Americans, myself included. I had no choice but to give them my information in order to use a bank, or a credit card, or take out a loan, and live a normal life. Now, because they could n't bother to protect our extremely important data, and worse, failed to alert us in a timely fashion ( they knew about this for at least a month ). My identity could already be compromised and I did n't even know. 

And it gets worse. Equifax tried to XXXX us yet again by saying that by even checking if you were affected would remove your ability to sue. Though that has been removed there is still a ton of confusion about it and it 's pretty obvious they could n't care less about this. They then push their worthless credit monitoring for a fee ( it should be free at the very least for those affected, not that it 's worth having ), which still has the language in their agreement about giving up your right to sue. 

Even worse than that, if you can believe it, it that their PIN generated to freeze your account is simply the timestamp of the freeze. That 's totally secure, no way anyone could figure that out. And it 's still worse ; the information needed to unfreeze your account is the information that was leaked, so freezing the account is n't any protection, it 's just one more step someone needs to do to steal our identities. Literally totally worthless. Who thinks of this stuff? This is n't just laziness, this is intentional malice to XXXX us. It 's just too ridiculous to think anyone is THAT incompetent. 

This is so far beyond acceptable. This scummy company needs to be held accountable for their abuse of their power over Americans, and is merely the last thing in a long line of unacceptable behavior by these financial institutions. We need some seriously heavy federal regulations to keep them in check, if not absorb them into the government. The people in charge need to be investigated, especially with the information of the stock sales around the same time, as there is likely illegal actions there. 

Hopefully you can help protect our rights and provide some real assistance to those whose lives might be destroyed by this horrendous lack of judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed UNAUTHORIZED inquiries on my report or I noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these UNVERIFIED & UNAUTHORIZED items MUST be REMOVED!! Below is a list of all of the accounts and the dates at which they where UNAUTHORIZED. 

XXXXXX/XX/XXXX XX/XX/2020XX/XX/XXXXXX/XX/2020XX/XX/XXXXXX/XX/2020XX/XX/XXXX XX/XX/2020XX/XX/XXXX XX/XX/2020XX/XX/XXXXXX/XX/2020 XX/XX/XXXXXX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a card owner with Bank of America since 2016. I learned that they shut down my credit card account because my credit score had gone down by 100 points. I was not notified of this cancellation or the reason of the cancellation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to the credit bureaus every 30 days XX/XX/2022 XX/XX/2022 XX/XX/2022, all the way until now ( XX/XX/2022 ) - and the same errors are continuously reporting without any resolution or a response from the bureaus! This is obsurd. there are too many errors to count. There is a bankruptcy on my report that I have proven the courts do not respond to and i sent it to the credit bureaus and the bankruptcy is incomplete with no date settled on XXXX. 

XXXX XXXX XXXX  accounts experian and XXXX refuse to investigate. XXXX keeps reporting the same account with positive payments and it's closed and shows it's a satisfied collection. 

experian keeps illegally re-aging a XXXX account? it's closed and they are reporting the date last active as current. that is not possible. it's illegally re-aged.
Product: Checking or savings account

Hi, I opened my checking account on XX/XX/2023 at XXXX XXXX XXXX XXXX, XXXX, PA XXXX with XXXX XXXX. Now im having issues accessing to my online banking, I could enter but now the system is giving error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been falsely reporting information on my Experian credit report for months and has changed the reported details multiple times. Since XX/XX/year>, I have attempted to reach out to the company numerous times to address these inaccuracies, but they have consistently declined to discuss the issue with me. 

The account in question has been on hold since XX/XX/year> due to an investigation, and I could not make any payments during this time. Despite this, they continue to report late fees, which is entirely false. 

I have made multiple attempts to resolve this matter directly with XXXX XXXX XXXX, but they refuse to communicate or provide assistance. This ongoing issue is causing significant stress and affecting my credit report unjustly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Update for opened Dispute ID ; ( XXXX ) Date XX/XX/XXXX XXXX E.s.t As of this date on the credit report the last reported date was ; ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) The month of XXXX has updated. After research of the update, I believe the account / auto loan XXXX has reset the 7 years and 1 haft statutes of limitations. The account XXXX changed from XX/XX/XXXX to XXXX SECTION 605 ( c ) ( 1 ) accounts are scattered for these dates. Updated in payment history was not properly reported Information is also missing from Agencys After researching, I believe this report remains extremely confusing and is not clear and accurate. 
15 U.S.C 1681 Section 602 ( a ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit report- ing . 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.

These inaccuracies have effectively negative impact on my confidence. It is difficult and It is a burden trying to open a new bank account I will include pictures for this update
Product: Checking or savings account

Subject : Request for Assistance with Closed Account at Citibank Due to Alleged Account Abuse Dear Consumer Financial Protection Bureau, I am seeking your assistance regarding a closed account with Citibank. Recently, Citibank closed my account, citing account abuse as the reason. I was not informed of any specific actions that led to this decision, nor was I given prior warning or information on what constituted account abuse. I have reached out to Citibank for clarification but have not received a clear explanation of the specific reasons behind this action. 

Additionally, Citibank is now requesting payment from me in order to consider reopening my account or to potentially resolve the outstanding balance. Without understanding the basis of their decision, I am concerned about moving forward with payment, as I want to ensure that my financial rights are protected. 

Please let me know if any additional information is required to help resolve this matter. I am hopeful that with your guidance, Citibank will provide transparency around this decision, allowing us to reach a fair and mutually acceptable solution. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

On multiple occa ssions, NCB Management Services  has called me at work. Once they left a voicemail and the other time I picked up. Our work lines are recorded and now our conversations are recorded in my system at work. Now I 'm stuck with the potential of losing my job if that conversation or voicemail is heard during quality testing. Every day I fear it 's my last day because those conversation are recorded and archived. The person was also very rude and would not allow me to exit the conversation.