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

CBNA is wrongly reporting my best buy credit card as 60 days late. This reckless reporting has been going on with Citibank A.K.A. CBNA, for 4 months, since my card was compromised. 

On XX/XX/XXXX CNBA finally completed their investigation which began in XX/XX/XXXX. 
CBNAs investigation concluded my account was compromised and I would not be responsible for any of the reported charges. 
CBNA also concluded a new card would be mailed out to me. 

During the investigation, I was restricted from access to my account, any charges or balances. I was not mailed any statements and to this day of XX/XX/XXXX, I have yet to be mailed or provided a statement by any means. 
My previous conversations with the fraud department, which i highly recommend reviewing the tapes, The investigator told me not to worry about any payments to the account until after they conclude their investigation and until i receive a statement. 
However, it seems this information is not forwarded to the department that monitors payments and reports to the credit bureaus. 

As a result of CNBAs continued recklessness, I was turned down for a mortgage on XX/XX/XXXX buy XXXX. This is the 2nd time in 3 months I was denied as a direct result of CBNA 's inaccurate reporting. This has cost me thousands in actual damages. Including the fees I had to pay. 

CBNA 's reporting is also contradicting, it reports I paid my XX/XX/XXXX and XX/XX/XXXXpayments, yet in XX/XX/XXXX reports me as 60 days late. MAKES NO SENSE I contacted CBNA 's fraud department again on XX/XX/XXXX & XX/XX/XXXX and was assured this would be corrected immediately. It has not been corrected as my XX/XX/XXXX credit bureau reports continue to display 60 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT INFORMATION ON MY CREDIT REPORTS : US XXXX COURT-XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX OF XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX XXXX   XXXX Show Details XX/XX/XXXX Automotive XXXX   XXXX Show Details XX/XX/XXXX Banking XXXX   Show Details XX/XX/XXXX Automotive XXXX   Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX FI Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX XXXX AF Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX XXXX Show Details XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request validation of several accounts that have been reported on my credit report. Specifically, I am concerned about accounts that are listed as late or closed. I am requesting that you verify the accuracy and legitimacy of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

First, I noticed a change in credit report by a third party. The change was associated with a collection agency, XXXX XXXX XXXX. The agency continues to inaccurately report collection information about an allege debt to XXXX. 

XXXX nor the collection agency refuse to provide evidence of the debt owed. I've previously disputed this information, and no-one has been able to provide the documentation related as prescribed in 15 USC 1601 & 809 ( https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text # 809 ) 1. Ownership of this account 2. Balance owed ( including payment history ) I am tired of dealing with credit bureaus because they are not addressing my concerns, meaning investigating disputes and inaccuracies. 

Second, mortgage payment from XXXX XXXX continues to report inaccurately ( see attachment ). These errors are affecting my credit scores and access to credit resources. The consumer bureau continues to ignore my requests for assistance, despite the fact that these are systemically overt inequalities and intentional discriminatory actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Product: Checking or savings account

Had identity theft with that bank and false information put on XXXX XXXX dollars stolen from bank ... will get the police involve if this is not solve asap.
Product: Bank account or service

I had a checking account and savings account with J.P. Morgan Chase Bank.And executed a fraudulent foreclosure and eviction on the home of the owner to the whoom I paid rent to. So, when I placed my name in the counter complaint filed by the owner then Chase bank in retaliation for this action froze my bank account, and eventually closed my bank account without any explanation given and when I asked them they refused to let me know the reason why!
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX : YOUR FRAUDULENT YOUR SELF! First your responsable for my Data Breech, Then youll open a dispute 1 day and not even give the dispute process a chance and youll close it the next. XXXX : 2 fraudulent accounts with you. XXXX XXXX it was closed but now its back open, cant do that its ILLEGAL. Another with you XXXX XXXX. XXXX open in XXXX was closed, XXXX open XXXX closed. But look there, its open again. Ive been victimized by someone or people that have opened banks, credit cards, cell phones, addresses, phone numbers, revolving credit, inquiries, y information is on the Dark Web. As late as XX/XX/XXXX. Someone is ruining my life and continuing on to try. 29+ accounts including bank accounts.EQUIFAX these inquiries ARE NOT MINE. Im fixing not ruining. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALSO I almost forgot, for you XXXX XXXX XXXX XXXX opened XX/XX/XXXX Acct # beginning with the first 6 numbers is all Im provided with, XXXX closed on XX/XX/XXXX for the amount of {$530.00}, Wards, opened XX/XX/XXXX closed XX/XX/XXXX with the amount owing of {$120.00}, and last but not least XXXX XXXX opened on XX/XX/XXXX closed on XX/XX/XXXX with a balance of {$1000.00} all 3 of you companies will be getting thee notification that, and it gives me pleasure, all 3 were closed due to fraudulent charges! TAKE OFF MY CREDIT REPORT! Already. XXXX!!!! XXXX!!!! Do I have your attention, the inquiries are not mine, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. I have ALL my reports LOCKED HOW ARE THEY STILL GETTING IN FILE?????
Product: Credit card or prepaid card

American Express announced that from XX/XX/XXXX they will be offering a {$200.00} hotel credit for prepaid bookings made on their XXXX XXXX & XXXX XXXX I prepaid for a booking at The XXXX XXXX on XX/XX/XXXX for {$340.00}. 

Amex had initially credited {$200.00} for previous bookings ( before XX/XX/XXXX ) I made, but, ultimately, I had to cancel those trips due to Covid. They debited the credit for previously canceled bookings but never re-applied the credit for my still open XX/XX/XXXX booking, which I then completed on XX/XX/XXXX. Their automatic crediting system failed to see I had made another eligible booking for which the {$200.00} hotel credit should be applied. I raised this concern to Amex and had a rep manually issue the credit, but I only received {$110.00}. Im still missing {$85.00} of the {$200.00} promised to me in XXXX for spending on their online travel agency. 

I raised this problem to Amex again saying Im missing {$85.00}, but they concluded on XX/XX/XXXX that Im not owed anything more because the full {$200.00} was issued. This is categorically false. The backend team failed to tally up all the times the credit was applied and reversed and see that Ive been net awarded {$110.00}, not {$200.00}. They couldnt even tell me what the date is of when the full credit was issued. I have raised this up with them 5 times and have been waiting 5 months for a fair resolution. Amex is encouraging customers to spend on their luxury XXXX while promising a {$200.00} rebate as part of paying a {$690.00} annual fee, but their booking system cant handle when a customer books and makes adjustments to their travel plans. Its frustrating and anxiety inducing to use this benefit for fear that theyll conclude the customer is not owed anything, yet theyve still collected all their fees.
Product: Debt collection

XXXX XXXX Jefferson capital systems I sent a letter directly with this collection company I ask them to provide me verification of this alleged debt as mine with a wet signature or any instrument bearing my signature which they did not provide me with they only sent me a bill an I also placed a dispute with XXXX to confirm them that Jefferson capital systems did not provide proof and they are reporting late payments and past due on a closed ended account which is a fcra violation
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i put a freeze on my credit report till XXXX XXXX. As part of The Fair Credit Reporting Act ( FCRA ) allows you to place a " security freeze '' ( also known as a credit freeze ) on your credit report, restricting access to it, which helps prevent identity theft and unauthorized credit applications. With that being said experian allowed the company 's below to access my report WITHOUT MY PERMISSION XX/XX/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
Product: Debt collection

Radius Global Solutions contacted via letter regarding a debt to XXXX XXXX. I responded with a letter asking that they validate that debt is mine and that they had the legal right to collect on that debt. The amount of the debt was {$790.00}. I received a health insurance claim form from them on XX/XX/2020. The form does not indicate the debt is mine nor that they have the legal right to collect on that debt. However without giving me time to respond that item as well as another amount of {$500.00} that undisclosed to me was placed on my credit on XX/XX/2020. So that was 2 collections ( {$790.00} & {$500.00} ) placed on my account by the same company less than a week. Ive tried calling them so that I can quickly resolve this and I have yet to talk to someone. 

Thank you
Product: Credit reporting or other personal consumer reports

I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN
Product: Checking or savings account

I applied and was accepted for a loan from XXXX XXXX. I have the E-Mail confirmation and terms. I lost my job and I am going through legal troubles because of my ex who moved out. The loan was for {$10000.00}. It was supposed to arrive in my account at XXXX XXXX XX/XX/2020. USAA Bank randomly locked me out of my account as I suspect they saw a large amount of money coming in. I was prompted with a phone number to call and clear up any issues. I attempted to do this and the USAA rep told me my account was being investigated for fraud. I immediately became enraged as I had {$2.00} in my checking account and needed to transfer the only {$20.00} in my savings which was supposed to be TOWARDS RENT to my checking account so I could go buy food. Instead USAA froze my Online and Phone access and blocked my phone number from calling their service. Now I am stuck at home with no access to MY bank account where my only {$22.00} and hopefully an incoming loan, if the timing that the loan officer described was correct. Now I have to sit and worry about USAA trying to mess with or take my money from a loan. This is not the first time I have seen a bank do this. If I remember correctly, XXXX XXXX did this and later I got money from a lawsuit because of it. Also XXXX XXXX XXXX in similar but different circumstance with their data charges and rates. Thank you for your help for as the at the moment I am defenseless and fighting for my money to get food. I am going to try to remember to apply for food stamps tonight.
Product: Credit reporting or other personal consumer reports

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank card has been anightmare. I was in the hospital for a week in XXXX recovering from an XXXX XXXX. I was obviously preoccupied and my autopay used the wrong debit card. My minimum payment was only {$45.00} and I could easily pay that. ( I am a XXXX XXXX XXXX XXXX  making about XXXX a month ). Once I was home from the hospital, I saw the payment got returned. So I immediately logged intoXXXX to pay the {$45.00}. 

I could not login. I found out they closed my account! I had never missed a payment with them or any creditors. This was completely unwarranted. Not only that, but they suspended my account access. Without being able to access my account, I couldn't pay them. 

Then they started calling me 10x a day. I was so scared I kept trying to block them but they'd call me from different area codes. I had to block calls on my phone completely. I've missed so many important calls from friends and family because of this. This has gone on for 4 months. 

They now marked me 120 days late so far on mycreditreport. I've never missed a payment from any of my creditors before. Mycreditscore is lowered because of mycreditutilization, but my payment history was always 100 % for my entire 10-year credit history. I have 383/383 on time payments since XXXX ( age XXXX ) to now ( age XXXX ). Now my payment history is ruined over {$45.00} dollars a month and I still can't access my account to pay them. 

Update : A full 4 months later they restored my account access and I made a payment today which will be reflected shortly. 
I now want my credit report updated to show that I never made any late payments considering this was not my fault and there was nothing I could do. I also want all fees and penalties removed from this ordeal. I will only pay the balance that I owed in XX/XX/XXXX before my account was blocked. I am now in contact with a lawyer.
Product: Debt collection

i recently sent a letter to the I.C. SYSTEM, INC and in That letter i clearly demanded to see and receive copies of the purchase agreement FROM THE ORIGINAL CREDITOR ( XXXX XXXX XXXX ) for the alledged debt, and the relationship documents with my wet signature of consent that allowed a third party to buy the debt ( Debt validation was never sent nor received ) and ive yet to get a response from them but they continue to harrass me phone calls with no proof of validation to collect on the debt. And if they have anything with my signature on it, than they are now beyond the allowed 30 day grace period to inform me that they obtained the debt which is a violation of the FCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH Mortgage Service is reporting the account is included in Bankruptcy XXXX even though the account is paid in full and closed. made multiple requests to the bank and the credit report agency 's but none of them are interested to help in this matter. Now when i am applied for a new mortgage loan the underwriter pointed out that there is a fore-closure home loan on my report which should be an paid and closed account. Because of this reason i am being denied a loan and will be without a roof if i am unable to close the new mortgage loan by XX/XX/XXXX. I request to take this matter highly and help me to resolve this issue at the earliest.
Product: Payday loan, title loan, or personal loan

This is my second complaint. I am having my paycheck garnish at will from Americash loans. I have no idea on how to stop them. I have XXXX XXXX and unable to pay for my meds or rent this mount due to the back to back wage garnishment. I NEED HELP
Product: Credit reporting or other personal consumer reports

FCRA 605B obliges you to eliminate any inaccurate accounts from my credit report. This is incorrectly listed in my credit file, so please delete it. I am due {$1000.00} for each inaccuracy on my credit file.
Product: Mortgage

The Shellpoint account listed on my credit report shows as past due for four payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. Even Shellpoint 's company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. This account needs to be corrected asap as I am trying to purchase a car and I ca n't get financing.
Product: Credit reporting or other personal consumer reports

Collection Account from XXXX XXXX XXXX. should not appear on my credit report as the account was paid in full directly to the original company XXXX XXXXXXXX XXXX. 

Payment made directly to XXXX XXXX XX/XX/XXXX in the amount of {$2700.00}. Please see enclosed bank statement, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirming account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Tx XXXX XXXX XXXX XXXX,2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report under my rights as specified in the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ). According to these statutes, credit reporting agencies are required to maintain and report only 100 % accurate information on consumer credit reports. Inaccuracies that are not corrected must be removed entirely from the report. 

The information I am disputing pertains to the following account : Account Name : XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX **** I have identified several discrepancies on this account across the credit reporting agencies. Due to these inconsistencies, I request that the information be immediately reviewed, verified for accuracy, and, if found inaccurate, be corrected or removed from my credit report in compliance with FCRA guidelines. 

If this matter is not resolved within 30-45 days, I am prepared to proceed with legal action for damages of {$1000.00} per instance of inaccuracy, as provided under FCRA violations . I trust that you will act promptly to rectify this issue. 

Please provide written confirmation once this information has been corrected or removed from my report. I appreciate your attention to this matter and your adherence to federal guidelines in addressing my dispute. 


I have attached the letter I've sent to all three reporting agency, Experian, XXXX and XXXX. 

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

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

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

XXXX XXXX XXXX amount XXXX opened XXXX XX/XX/2019 this was paid been disputing for 5 years
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that they verified that these items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation
Product: Credit reporting or other personal consumer reports

Verification and validation of this debt, with my full name and address according to my credit file. If the debt has been charged off, I have never received a 1099.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report in XX/XX/2024 and noticed my account was not reported accurately. I had a late payment on an account that was, in fact, paid on time. After two letters were sent ( in XX/XX/2024 and XX/XX/2024 ) the information remains incorrect in my reports. 
The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my most recent report of XX/XX/2024 to this complaint. I am now requesting that you investigate and provide verifiable proof, with records, showing that I had late payments. 

Please note that if this information can not be verified, I demand these payments be updated to " Paid On Time '' immediately. 

Thank you for your understanding and prompt action.