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

Im writing this complaint against Sears/CBNA for derogatory information reported on my credit report. In XX/XX/XXXX, I paid my credit card account in full and the account was closed. In XX/XX/XXXX, I received information from Citi Cards explaining my account was transferred to XXXX XXXX XXXX , XXXX. The letter also instructed me to contact Citi Card at XXXX by XX/XX/XXXX ; unfortunately, I was never afforded the opportunity to address the issue because of the public health crisis ( COVID-19 ) and the governors mandated shutdown. 
Once the restriction was lifted, I contacted XXXX XXXX XXXX, XXXX and spoke with a Ms. XXXX XXXX. I explained that I paid the account off in XXXX and wasnt aware of any unpaid balances. I also asked why Citi Card was reporting late payments on my account. She opened an investigation and provided her direct telephone number XXXX ext. XXXX. In the weeks following, I contacted Citi Card myself to try to resolve the issue. On XX/XX/XXXX, I received correspondence from Citi Card explaining they could not complete the investigation because the purchases were too old. Ms. XXXX was never able to resolve the issue due to no response from Citi Card. 
Finally, with much frustration I settled with XXXX XXXX XXXX , XXXX. I was instructed to contact Citi Card to request them to remove the derogatory late payments. Im requesting Citi Card to remove all the late charges from my credit report for they have not completed any of our requested investigations. They did not show proof of purchases.
Product: Credit card

Kikoff is currently reporting late payments on my credit report. However, under the FCRA, specifically, 15 USC 1666b late payments are prohibited from being reported. this information is adverse to me and has negatively affected my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Experian a letter on XXXX. I have not gotten a response from them yet. It has been over 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT BUREUS ARE NOT REPORTING MY MONTHLY PAYMENTS ON MY HOME. I MADE A PMYMENT ON XX/XX/XXXX FOR XXXX, XX/XX/XXXX FOR XXXX AND XX/XX/XXXX XXXX. MY LOAN IS FROM XXXX XXXX XXXX MORTGAGE.
Product: Bank account or service

after, my initial complaint with Bank Of America ( case # XXXX ) i decided to close my checking and savings accounts with them. I went to the bank on XX/XX/XXXX at approximately XXXX for that purpose. 
I spoke with the representative about my request ... ASKED HER SPECIFICALLY to make sure my last 2 checks had cleared ( 1 of which was written to XXXX mortgage company for payment ) she stated they both HAD CLEARED ..so I then initiated the paperwork to close the 2 accounts ... i was given the funds from those accounts and i left .the bank. 
4 days later I received a notice from Bank of America, stating that my check to XXXX had been processed, apparently on the EXACT SAME DAY I CLOSED THE ACCOUNTS XX/XX/2016 ) ... .and it was " denied " for insufficient funds ..that was my MORTAGE payment which was written and mailed on the XX/XX/XXXX!!!! how could that happen when the representative told me it had in fact cleared and why did it take 6 days for BANK OF AMERICA to process ... ..it appears to me the timing is off on this SCENERIO ... if i was told it had cleared on the very day i was in there ... how could BANK OF AMERICA NOT HAVE PROCESSED IT BY THE TIME I WAS IN THERE AT XXXX ... ..SO YET AGAIN I am on the recieivng end ... incurring the problem and i have to do damage control ... take a hit on my credit score ..i have NEVER had a check returned for insufficient funds ... i had to call my mortgage company explain to them this was A MISTAKE OF BANK OF AMERICA and begged them to not penalize me OR SUB, IT A " DELINQUENT DING " ON MY CREDIT HISTORY BECAUSE OF A MISTAKE FROM BANK OF AMERICA ... unfortunately it was too late to avoid THE REPERCUSSIONS OF THIS MISTAKE WITH XXXX ... that being stated it would be nice to have Bank of America contact my mortgage company and explain what happened and have the negative impact of this " bounced " check removed from my credit history and credit report, thus exonerating me ...
Product: Mortgage

I'm requesting payoff of my mortgage. This payoff needs to be good through the end of the month ( XX/XX/2020 ). tfcBank request attempts below : Three loan processor requests faxed to XXXX since XX/XX/2020. 
Request made by me via TCFLoanServicing@tcfbank.com on XX/XX/2020 which resulted in automated email reply from tcfBank requesting I fax request to this number, XXXX. 
Two phone call request attempts by me to tcfBank XXXX loan servicing department. The phone was answered and then the call was ended with no one speaking ( I was hung-up on ). 
First request attempted by me at Chemical Bank to tcfBank transition information line XXXX resulted in no one picking up after XXXX minute hold. 
Second request attempted by me at Chemical Bank to tcfBank transition information line XXXX, spoke to XXXX, she transferred me back to the tcfBank loan servicing department despite me conveying my inability to get through to this number. I requested she stay on the line with me, she agreed, I was then put on hold, she came back on the line and said she was unsuccessful at reaching tcfBank and suggested I email them. I told her I had, she then tried tcfBank again and I am presently on hold waiting for them to answer her ( this call has reached 61 minutes and counting ) I am sending this payoff request from fax number XXXX, as this is the only fax number available to me during COVID.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and detected. 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 completed by me as a consumer. PERSONAL INFORMATIONXXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXXXXXX XXXX XXXXXXXX va XXXX XXXX XXXX XXXX XXXX va XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX ( 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 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 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 the receipt of this notice. I look forward to your response. 

Thank you.
Product: Debt collection

This company : CAPSTONE CREDIT & COLLEC XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX The debt collector in charge of my account has used profane language, misrepresented the amount of debt owed, provided false and misleading credit information to the credit bureaus, has never sent a bill to me, wo n't discuss the bill amount to me without being verbally abusive. I found out about the debt two days ago when I realized it showed up on my credit report. This company has many bad reviews and complaint to the BBB. The date of this debt is XXXX XXXX,2017. When first contacted by the person months back I explained to him that the debt does n't belong to me. I directed him to the correct person and never heard from him again. But, I noticed the statement on my credit report two days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX gave me a date of XX/XX/XXXX or XXXX of 2020 I believe. I was not aware of a credit card application that I didnt approve through XXXX affiliation with CitiBank that opened up on my credit report on XXXX XXXX Im reporting a fraudulent issue, complaint, and would like it removed. I contacted XXXX, Citibank and was told of no report through my full name & social that they did not see nor have one on file.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX i sent in a dispute asking XXXX and Equifax to delete collection account from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX A debt validation was done by XXXX and the account could not be verified so therefore XXXX deleted the Collection account. Since then i have sent multiple disputes to XXXX and Equifax for this collection to be deleted.
Product: Mortgage

I was approved for a XXXX loan however underwriting is having me write and submit letters for approval. I submitted the letters and they keep asking for the same information. I have also shown through my bank statement that I was not late on a home payment. 

The only explanation is that during the transfer of the loan they reported it late. However, the payment was taken out on the XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been trying to resolve these late payments on these 2 accounts. I need these late payments updated immediately. According to 15 usc 1666-timing of late payments.
Product: Debt collection

Credit card was placed intodebt dispute, during the process of dispute XXXX Law firm issued a suit, We sent in a settlement check which was cashed by the XXXX law firm, we are now receiving further suit threats via Cooling & Winter a law firm who apprently now has taken over this account. We sent XXXX firms faxes with the canceled check and furhter letters of suit are still arriving
Product: Debt collection

I never received notice or a medical bill from this alleged creditor XXXX XXXX for medical service 's that were possibly not billed to my insurance company. I have never received a bill from XXXX general for any medical bills. I request details of charges in collection and why I was not contacted with a medical bill prior to initiating a collection proceeding.
Product: Debt collection

I have recently discovered some collections on my credit report that do not belong to me. Someone has used my name and now I am repeatedly being harassed and threatened for bills that do not belong to me. These agencies use XXXX attempts and the US Govt. should stop this. These collection agencies are relentless and they continue to call my place of business, my home, my friends and my relatives, all hours of the day or night seven days a week. They are trying to force me to pay for services and/or bills that are not mine. Also the collections are from a state I have never resided in. I have tried to resolve this on my own to no avail and I refuse to pay or settle on a bill that is not mine. Looking through my investigative notes it seems that the ( XXXX ) medical collection 's on my credit report are connected to XXXX visit to a NC doctor visit. It seems my name has now been sold to yet another batch of piranhas because I am now being harassed from new telephone numbers from a different state.
Product: Debt collection

The name of the account XXXX XXXX  The amounts : {$580.00} and {$1000.00} Original Creditor : XXXX XXXX XXXX The accounts were reported on XX/XX/XXXX Please delete the debt is not mine XXXX medical debts ( Amounts of {$1000.00} and {$580.00} ) were added to my account by XXXX XXXX XXXX agency, Upon reviewing the details of the alleged debt, it became evident that there had been a mistake or confusion regarding the ownership of this debt. As of the time when this debt was incurred in XXXX, I did not possess a XXXX XXXX XXXX which further confirms that I could not have been the individual responsible for the medical services or expenses in question. I disputed the debt with the XXXX credit bureaus ; XXXX and XXXX have deleted the debts but Equifax didn't remove the debt. Furthermore, I have meticulously reviewed my records and have found no evidence or documentation indicating any association with the medical facility or services referenced in the collection notice. There appears to be a clear discrepancy, and I am confident that this debt does not pertain to me. I have since contacted the collection agency and demanded they send proof that shows the debt belongs to me, but they didn't provide that. 

This is XXXX XXXX XXXX response : Our office is in receipt of the complaint filed by XXXX XXXX XXXX. We greatly appreciate this opportunity to respond. The consumer disputes XXXX debts that our office is collecting on behalf of our creditor-client. We have updated the files with the consumers instruction to cease. We trust this resolves your concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Experian 's investigation. I have already addressed this issue to Experian but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/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  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: Checking or savings account

To whom it may concern : In attempting to access my online Citibank account on XX/XX/XXXX, I received an error advising that I needed to authenticate some banking information. Unfortunately, both my credit card and savings account are tied together. 

After speaking with several agents on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was notified that my savings account had been closed and gave no reason why. I have yet to receive any information from the bank institution regarding this decision. In addition, all debit cards have been deactivated. 

I do not have any Citibank branches near me and unable to retrieve my funds of XXXX. I'm desperately begging for your assistance in retrieving my funds as this is unethical and illegal to withhold since no misrepresentation was involved.
Product: Money transfer, virtual currency, or money service

I was scammed on cashapp my username was XXXX XXXXXXXX I made a new cashapp XXXX XXXXXXXX and still have been getting scammed I have lost thousands of dollars to fake accounts online who claim to serve or produce yet when paid they run and dont do anything. I have screenshots of all the transactions and have lost over {$10000.00} I am XXXX XXXX and have been losing money on cashapp since my sophomore year of college. I lost money in crypto scams, money flip scams, pyramid schemes and so much more. I want all the money that has been transacted on these accounts to be reimbursed. I should have been apart of the cashapp settlement that just passed but the deadline happened. I am out of thousands and am emotionally distressed to say the least regarding this as its extremely frustrating getting scammed and targeted by false advertisers. I was told online to submit a report but I do not think this will help because if Im not getting a check in the mail for the funds that can not be recovered. I mean I already had to submit a federal report for the scams and they cant do anything and I doubt this will do anything either because I want my money back but cant get it and its been years of struggling dealing with this issue financially speaking. I want a part of the cashapp settlement
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under ( 15 U.S.C. 1681 ) and these accounts are also being reported in error by the credit reporting agencies. Also listed are sections and references of which they violated. 
602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
The following accounts below for this complaint are as follows, U S DEPT of ED/XXXXXXXX Account Number : XXXX U S DEPT of EDXXXX Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of EDXXXX Account Number : XXXX U S DEPT of ED/XXXXXXXX  Account Number : XXXX U S DEPT of ED/XXXXXXXX Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

XXXX A VICTIM OF IDENTITY THEFT, XXXX XXXX, XXXX EQUITY AND WELLSFARGO BANK
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately, including every notation, date, and balance, whether reported or not. 

Account name : XXXX XXXX XXXX Account XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. 

If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.

Thank you for your prompt attention to this matter. I look forward to your confirmation of the results of your investigation within the statutory period required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

About a month ago, I got a letter from Bank of America, which issued my Visa card, telling me to expect a new credit card in the mail, because a some unidentified merchant apparently had a data breach. 

I have called both BofA, and Visa, and neither will tell me which merchant mishandled my data. The BofA representatives tell me Visa wont tell them. The Visa representative tells me its a decision made by the bank that issued my cardin this case BofA. 

I want to know which merchant mishandled my data, so that I can stop shopping with that merchant. Put simply, I dont want to spend money with a merchant that cant protect my data. Yet neither BofA nor Visa will tell me. This seems wrong. 

I cant figure out any reason why the information about which merchant mishandled my personal data should be kept from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid XX/XX/2022. XXXX XXXX ( XXXX ) reports negative payment history until XX/XX/2022. 

Account was paid XX/XX/2022. XXXX XXXX XXXX ( XXXX XXXX reports it as a charge off in the payment status section. 

I disputed this with them 3 times and they said that they will not change the charge-off because its a charged off account but the correct place to indicate the account is a charged off account is in the ACCOUNT TYPE section which it currently does. But they want it also in the the PAYMENT STATUS section which is what Im disputing because since the account is paid it should show PAID. To have charge off in the payment status indicates that this account was never paid off and it is a violation of my FCRA rights to report it this way. XXXX XXXX  ( XXXX ) tried to get around this by putting paid in the notes section of the account but I lost 40+ points due to them updating the payment status and payment history with incorrect information. So just like they changed those sections to report NEGATIVELY, they should be able to go in and undo the inaccurate NEGATIVE information so it can have a positive effect on my score. PAYMENT STATUS SHOULD SHOW PAID! And PAYMENT HISTORY SHOULD NOT SHOW NEGATIVE HISTORY PAST XX/XX/2022 since I paid it XX/XX/2022. XXXX XXXX ( XXXX ) has to update the actual report not just add notes onto the account because i lose points based on whats in the payment history and payment status section NOT whats in the notes section on the account. They are being lazy and are not doing bc the due diligence to correct this. They have sent me correspondence that verifies everything Im saying but when they resolve the matter all they do is add a note to the account they do not change the inaccurate information. 

If they are reporting the right information then equifax is not up updating it correctly but I dont think thats the case.