23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Citibank has stolen {$15000.00}. On XXXX XXXX, 2017, I opened a new checking account at Citibank, and deposited over {$15000.00}. Citibank issued checks for me to write. I was able to login to my account and see my balance. However, a couple of days later, I could not access my account online, and Citibank refused to pay checks or online bill payments per my instructions. I have incurred late fees and my credit reputation has been damaged. I have contacted Citibank on XXXX separate occasions to address this issue. Citibank Customer Service told me that the account has " a hold block '' on it. Each time I have been transferred to multiple people, none of whom can explain why the account is frozen, or do anything to release the " freeze '' /'hold. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Website does not function properly. Will not reset passwords, nor allow a new account. I am not sitting on the phone for XXXX hours. There are numerous complaints on the Internet for this company.
Product: Checking or savings account

I applied for a checking account at XX/XX/2218 with HSBC with a reward of {$750.00} if I maintain a certain balance for 3 months. They rejected my application because they could not run my credit report??? Its currently frozen due to the XXXX breach. Interesting that they would turn my money down to open an checking account without seeing my credit report? 

My wife then applied on XX/XX/18 whom does not have frozen credit. She applied and at the completion they told her to wait. Its now XX/XX/18 and HSBC is still making us wait after more then a week??

This just sounds fishy?? HSBC has all our sensitive information in both applications and we are not happy. I almost feel as if they are gathering our personal information for future endeavors without going forward with this program.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX XXXX ( XXXX ) XXXX XXXX XXXX Subject : Demand for Immediate Removal of an Inaccurate Account from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand for an immediate deletion of an inaccurate account from my credit report that is causing hardship to obtain approval of credit, that inline with the Fair Credit Reporting Act ( FCRA ), specifically consumer law XXXX XXXX. section XXXX ( a ) and XXXX XXXX. XXXX section XXXX ( a ) section XXXX. While reviewing my credit report, I have noticed an account entry that is inaccurately reported and must be removed promptly to avoid legal actions. 
The inaccurate account entry is as follows : Creditor Name : XXXX XXXX, XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$7800.00} I assert that this account entry is inaccurate and violates my rights under the FCRA and relevant consumer protection laws for the following reasons : Violation of FCRA and XXXX XXXX : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of this inaccurate account on my credit report constitutes a violation of these laws. 
XXXX Deletion Requirement : XXXX to FCRA and relevant consumer protection statutes, I demand the immediate deletion of this inaccurate account from my credit report unless the creditor wishes to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. 

XXXX. Preparedness for XXXX : I am fully prepared to pursue litigation against the creditor and any consumer reporting agencies that continue to report this inaccurate account on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. 

I demand that you take immediate action to delete the inaccurate account from my credit report and provide me with written confirmation of its removal within XXXX 15 days from the receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

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

I disputed multiple negative credit mark on my Experian Credit Report. They always say that it was investigated and proved to be correct. When I requested to see all original paperwork which included my signature and ID they never provided it. My other XXXX credit scores or near XXXX but Experian has it at XXXX which is impossible because the other XXXX agencies removed the same accounts due to them not being able to validate them. Then I tried to lock my Experian report and they told me I had to pay for it.
Product: Credit reporting or other personal consumer reports

I've been sending them letters via mail for several months now but credit reporting agencies are not responding nor providing any resolution to this ongoing issues concerning these invalid and misleading accounts they have published on my credit files. I just need these entries to be removed immediately, as these are not mine : 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

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance Owed : XXXX
Product: Credit reporting

On credit report XXXX, XXXX, Experian states XXXX negative accounts, XXXX positive accounts, XXXX inquiries. 
However XXXX XXXX XXXX after 36 months of paying debit for cell phone bills will not sell a XXXX down cell phone at 25 dollars per month because of ruined credit and harassment. 
Being a veteran I was billed for emergency non VA treatment hospital care, and sent to collections feeling I was billed XXXX dollars for emergency treatment at non VA hospital my question when my employers and veteran payee pays over 15, ooo dollars in Medicare payments WHY cant Medicare pay the non VA hospital bills. There is wreckage of the past that causes abusive unfair credit reporting. Since 1985 I do not use credit cards.
Product: Vehicle loan or lease

On XXXX XXXX I went to Nissan of XXXX in seek of a vehicle where I was approached by a salesman who ran my credit to see if they were any vehicles available for my credit since i have had a reporting repo session, I also provided a down payment that I as the consumer and natural person had to provide in exchange for property for personal use. This company has failed to fully disclose information related to my retail installment contract ; the finance charge is the sum of all charges 15 USC 1605 and included down payment, this company has taken {$1700.00} cash legal notes and have provided the credit of {$1700.00} on the consumer credit transaction which is deceptive and misleading practices. XXXX Nissan have not to mention have run my credit with multiple banks and have used various addresses on multiple applications to find a lender in extending credit on my behalf. This had led to the reporting of inaccurate information to the credit reporting agencies I have never been a XXXX or XXXX resident which are reporting the same dates as me opening the retail installment contract which is fraud on my behalf unauthorized use of credit card defined by Congress states is identify theft. This is criminal and unlawful fraud practices I have been initially affected by this.buyer was not clearly and conspicuously informed of Sellers true intent.
Product: Student loan

I submitted a XXXX  Application to Mohela on XX/XX/2022, having reached XXXX qualifying payments for forgiveness under XXXX. The online status stated " Processing. '' On XX/XX/2022, I called Mohela for any updates and, after an over XXXX hour wait on hold, spoke to a representative named XXXX, who stated that my " employer has been approved, '' and that the payment counts are being verified by the Department of Education, a process that may take up to 90 days after the application was received. On XX/XX/XXXX, the " Processing '' status changed to " Duplicate Form. '' I called Mohela on XX/XX/XXXX for an explanation, and the line disconnected after 1.5 hr on hold. On the next business day XX/XX/XXXX, after 2 hr 45 min on hold, I spoke to Mohela representative, XXXX, who explained that the status " Duplicate Form '' meant a human clerical error was made : someone had mistaken the previous XXXX XXXXpplication that I submitted in XXXX to different servicer, XXXX, as the same form submitted in XXXX. Only because I waited on hold to speak with someone, the application was submitted to be reprocessed, resetting the processing time to an additional 90 days. I have had the same qualifying employer for 7 years. The next step would be to update payment counts, just since XX/XX/2022.
Product: Credit card or prepaid card

I feel that Capital One is denying me for unknown, false or reasons such as discriminating as I applied on several occasions based on getting numerous emails requesting me to apply. 

Based on the reasons below they are fabricated and completely false as my income they has was incorrect which is why they asked me to apply again. When I applied the second time they gave me another falsified inaccurate reason as I have not opened any new revolving accounts for at least 2 years. 

When I called Capital One they were very rude and ended up hanging up on me and they said that I had to contact the 3 credit bureaus as they are the reason based on the information they received from them as to why I was denied. 

Below are the reasons I received on the letters I received from Capital One. 

XXXX ID : XXXX Reason : Based on your application, income is insufficient for amount of credit requested. 


Date : XXXX Reason : Based on your credit report from one or more agencies on the back of this letter, there are too many new revolving accounts. 


ID : XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the 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
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are suppose to 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

Navient has inaccurately reported late pays in my credit report while my status was in deferment. They fraudulently reported 3 late pays on my credit report while I was enrolled in school at the time and my loan status was in deferment. I have reached out to Navient by phone and by mail in order to resolve this issue. I even mailed in a goodwill letter asking them to forgive the late pays although it was inaccurately reported to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information on my Equifax credit report is incorrect, including my name, date of birth, and former addresses. I have filed several disputes to Equifax between XXXX and XXXX both online and by mail and provided all requested materials and documents but the errors still haven't been fixed yet. I also called Equifax several times recently ( XXXX ) and they just asked me to repeat what I have done by sending repeated documents and eventually hung out the phone without notice.
Product: Credit reporting or other personal consumer reports

Last week I submitted a complaint regarding XXXX XXXX XXXX To reiterate, I felt that they never properly notified me, before reporting the debt to all 3 credit bureau 's. They reported on XX/XX/XXXX of XXXX, I did not receive initial letter inquiry until XX/XX/XXXX XXXX email. So by then, they had already started the credit reporting process before giving me the proper time to dispute or act on the debt. According to their email, the debt was assigned XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I received no calls, emails, letters, etc. any form of communication. On the email, they listed my address as " XXXX XXXX XXXX XXXX '' In the city of XXXX in Arizona. Not only was I not living their at the time, I never lived their at all. I will attach a temporary drivers license that I ordered in XXXX of XXXX at the time. I had been living at this address for 3 months at this point. So They can not say I ever received letters from them. I also submitted an inaccuracy with all three bureau 's and Equifax is not properly taking the time to truly investigate. They received dispute via mail on XX/XX/XXXX and already have the dispute marked as complete. XXXX and XXXX have not done this yet so far, but Equifax is not doing as requested. Instead of trying attempting to investigate the inaccurate delinquency or delete the item, all they did was just erase the Delinquency date altogether.
Product: Debt collection

I recently requested a copy of my credit report. I discovered that there was a debt collection with an unfamiliar amount listed on the report. I called the debt collector and requested an email address to request additional information. On XX/XX/2024I sent Hunter Warfield a debt validation letter to request additional details about this negative impact to my credit report. Hunter Warfield responded on XX/XX/XXXX, provided supporting documentation such as a copy of a rental contract and a summary of charges move-out costs. I reviewed the documentation. The rental contract was signed by XXXX Individuals including myself. I observed that the full amount of the move out charges was assessed solely against me- rather than equitable division of the total move out charges applied to all individuals that signed the contract. On XX/XX/XXXX I responded to Hunter Warfield advising that this debt amount is incorrect and communicated that they need to correct the debt against me to reflect a proportionate share of the charges. Hunter Warfield replied that they refuse to continue to validate this debt. I am filing a complaint with CFPB for assistance in addressing the unfair practices of Hunter Warfield and to request damages. This incorrect debt has been impacting my credit for more than XXXX  years. I have attempted to resolve the matter with Hunter. Their response is not conducive to correcting the issue.
Product: Vehicle loan or lease

XX/XX/XXXX it all started. I am self employed. Because of pandemic work was very slow. Could not afford payments. Santander would only say make payments or we will take vehicle. I investigated Santander and found they lost a lawsuit where they put people in loans knowing they would eventually fall behind. In XXXX I was trying to get a vehicle. My credit was XXXX or below. No one would finance me. Then this company XXXX XXXX loans accepted me. I was only able to go to car XXXX because no other car dealer would except them. After purchase I was my payments it was thru Santander. I tried to volunteer to return vehicle and they refused. Then they repossed. Number XXXX I believe I paid them more then enough for vehicle with ridiculous interest. Number XXXX still believe I fell under the terms of the lawsuit they lost with the XXXX of Florida in which i stated to them repeatedly and they refused to answer. With the prices of used trucks they gave vehicle away. So I state again they should have never given me a loan back in XXXX. The vehicle should have been turned over to me as the terms of the lawsuit as I understand it. And the money they sold the vehicle for should be returned to me and this removed from my credit.NOTE They told me credit had nothing to do with giving me a loan. Every loan I ever heard of is based on credit.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I was working out at XXXX XXXX XXXXXX/XX/year> my purse and phone was stolen from the locker containing my identification, credit cards, social security card of myself and both of my sons, my car keys, and {$48.00} in cash. At the time I made a police report with XXXX XXXX report XXXX XXXX. Since then I have received notification of change of address that I did not make and the following accounts are fraudulently opened accounts. XXXX {$4700.00} act # XXXX, XXXX {$3200.00} act # XXXX, XXXX {$4200.00} act # XXXX, Capital One {$3700.00} act # XXXXXXXX XXXX XXXX  {$1000.00} act # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} act # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$96.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  {$690.00} XXXX # XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX {$3100.00} act # XXXX. Banks opened fraud are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just placed items for dispute on my transunion account. Within 5 minutes I receive an email and nothing was disputed. The only change to my transunion report was a updated consumer statement was added. They're supposed to actually investigate what I disputed and get back to me within 30 days, not 5 minutes.