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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in late XX/XX/2022 I began the process of applying for a home loan and unfortunately was denied a home for my family because of false and misleading information reporting on my credit report. Once I noticed the false information on my report I sent dispute letters to Experian to which they have not resolved my issues on my report. I explained to Experian that I had never done business with that specific creditor, yet they stated that they verified the account, but did not supply ME with any evidence. As an XXXX American women and XXXX XXXX XXXX XXXX it is specially difficult to obtain a home due to XXXX bias, and with erroneous information on my credit report, it does not make it any easier. My family and I are truly distraught because I really need to obtain a home for the well being of all of us.
Product: Checking or savings account

Im writing to formally express concern and request immediate assistance regarding several issues with my Citibank account : Security Word Reset Blocked I attempted to reset my Security Word but was unable to proceed because I no longer had access to my debit card. The reason for this is that there was a {$600.00} ATM withdrawal on XX/XX/year>, which I did not authorize. I reported this as fraud, and the card was deactivated as part of the process. 

Unable to Activate New Debit Card After receiving the replacement card, I attempted to activate it but was unable to do so. The activation process failed multiple times. 

Unexpected Account Lock Following the failed activation, I attempted to access my account online and through the mobile app, only to discover that my entire account is now locked. I have not been given a clear explanation for this restriction. As far as I know, there should be no reason for a full account lock, especially when I have been fully cooperative and have followed all required procedures regarding the dispute. 

I am requesting the following : Immediate clarification on why my account is locked Assistance activating my replacement debit card The ability to reset my Security Word or an alternate method to verify my identity Confirmation that my fraud claim is still under review and protected under Regulation E and Citis XXXX Liability policy I have acted in good faith throughout this process, and Im simply trying to restore secure access to my account while Citi completes the investigation. Please assist me in resolving these issues promptly. 

Sincerely, XXXX XXXX Account ending in : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have requested actual proof of ownership, proof of contract from XXXX  XXXX / XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX Taking assignment of Debt ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. ( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. I believe all these are inaccurate and is in violation of both FDCPA and FRCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX  XXXX XXXX XXXX closed in the amount of XXXX From XXXX XXXX that is incorrect From XXXX XXXX XXXX XXXX has a XXXX balance in my account thats incorrect XXXX XXXX XXXX from XX/XX/XXXX for XXXX amount is incorrect From XX/XX/XXXX XXXX XXXX has a hard inquiry For XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX has hard inquiries listed that are incorrect XX/XX/XXXX XXXX has a Incorrect hard inquiry posted
Product: Credit reporting or other personal consumer reports

If, after any reinvestigation under the paragraph ( 1 ) of any information diputed 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 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
Product: Credit reporting or other personal consumer reports

There is a credit card card and credit card debt that I do not recognize at all. I have never applied for, signed for or received a XXXX card  with a {$4100.00} credit limit. This information is on my credit report and should be removed. I am demanding verification and validation of a XXXX card  with a {$4100.00} credit limit.
Product: Credit card or prepaid card

WF/ XXXX is reporting 35 charge offs on my credit report damaging my credit worthiness and misleading potential creditors.
Product: Debt collection

I have disputed a debt with XXXX XXXX XXXX, and they have not provided me any validation that the debt belongs to me. I have asked them for a signed contract between myself and XXXX XXXX XXXX, and have also asked the original creditor ( XXXX XXXX XXXX ) for a signed contract. The original creditor said that they do not keep information on file after the debt was sold. They did state that the amount of the debt was {$3900.00}. The debt was sold to XXXX XXXX XXXX on XXXX XXXX, 2013, and since then XXXX XXXX XXXX has reported that amount owed is {$4000.00}. This is a clear violation of the FDCPA by XXXX XXXX XXXX. I am not assuming responsibility for this debt, nor am I claiming ownership. XXXX XXXX XXXX has failed  to provide clear validation of this debt by not providing me a signed contract with my signature on it. So they are in violation of the FDCPA and FCRA. I am demanding that this debt be removed from my credit report by all 3 credit reporting bureaus.
Product: Credit card

I am rewriting as I got booted in middle of complaint. 
Have issues with Citibanks Home Depot card. Tried writing to them, calling numerous times and even went to a Citibank branch & Home Depot. The XXXX XXXX  branch manager called someone for me. I was on phone XXXX minutes. XXXX XXXX XXXX can verify. This was at least my XXXX call. All lasting over an hour nearly two hrs. Transferred between rude, aggressive men to XXXX  XXXX  calls all scratchy & unable to understand. 
Bought mower @ Home Depot. Given me wrong one. Returned for credit & repurchased correct XXXX XX/XX/XXXX. Called Citi asked for billing address as bill hadnt come. Sent {$110.00} ( part of {$220.00} total ). XXXX XXXX XXXX XXXXXXXX XXXX reported to me payment returned undeliverable. Then began receiving bills with $ XXXX late fees. They Agreed to take off one, but then added back next day. I kept sending payments until paid in full. But they kept sending me bills for late fees on late fees I didnt owe. 
When I wrote I got no reply, when I called they passed my call around until I was disconnected after nearly 2 hrs. 
I even sent {$10.00} to keep from getting more late fees. 
I even went on XXXX XXXX to Home Depot . They called for me & on phone in store XXXX hour. Told Id have to wait on hold XXXX mins more for supervisor. Refused on all calls to be passed to manager/supervisor. 
While at XXXX branch on call for XXXX minutes I was told to make {$130.00} pymt or get another {$40.00} fee. I gave him debit info and said I had to go to work. XXXX branch manager will verify. But I see the debit card was not debited and I was charged ANOTHER {$40.00}. 
Definite predatory lending. 

Oh they also wrote me that I was qualified for XXXX XXXX card. Then said no because of Home Depot card
Product: Vehicle loan or lease

In XXXX of XXXX I received letters in the mail stating that I owed Property taxes on my car. The total of taxes owed was {$1800.00} for 3 years worth of back taxes. My car is leased so the company pays them directly to the town and then I pay them back with my car payment. I promptly mailed in paperwork showing that my taxes had been paid and I did not owe the money. A few months later I realized the charges were still on my account so I called the company and they claimed they never received my paperwork in the mail so I then proceeded to fax it to them on XX/XX/XXXX. They told me it takes 72 hours for faxes to be uploaded to your account so I called back a few days later and they claimed they had not received my fax. I then faxed the paperwork again on XX/XX/XXXX as well as sent the paperwork via certified mail on XX/XX/XXXX. I called back on Monday  XX/XX/XXXX because I had gotten a delivery confirmation of my certified letter. They stated that none of my faxes had been received and my certified letter would take up to 3 days to be uploaded to my account. At this point I asked to be transferred to the escalations department. The lady then tells me she is not sure why none of my paperwork has been received, but she will send me an email from a secured email address that I can send my paperwork to. I sent the paperwork on XX/XX/XXXX and called back on XX/XX/XXXX. At this point they tell me they finally had received my paperwork a few days prior, however, they need more information because the secondary taxes that were put onto my account were from a different town than the one I had originally paid my taxes to, so essentially the leasing company had paid my car taxes to two different towns. On XX/XX/XXXX I faxed and emailed over more paperwork showing that I did not live in the secondary town and my car was insured and registered in the original town I had paid to for the past 3 years. I called back on XX/XX/XXXX and again, they told me they did not receive anything but to try and email it again. I then emailed the paperwork to them once more and called back on XX/XX/XXXX. On this date they told me they still had not received my supporting documents so I ask to be transferred to a supervisor. When he gets on the phone he tells me he is not sure why nothing is coming through and gives me another fax number to send my documents to. I tell him I will try to fax the paperwork again, but would also be filing a complaint at this point.
Product: Debt collection

The debt collector ( XXXX and XXXX ) called a relative and told them information about my debt owed. The told them that they were looking for XXXX of my vehicles and asked for a location of them. This is against the law. 
I have also already been in contact with the connection company prior to the call. The phone call to my relative took place on XX/XX/year> after I spoke to the company on XX/XX/year> as well.
Product: Credit reporting or other personal consumer reports

This is a follow up complaint to an initial complaint. 

On or about XX/XX/XXXX DNF associates placed a trade line on my Transunion credit report. 

After disputing through several agencies the company responded that the line item was due to a XXXX XXXX credit card - allegedly taken out XX/XX/XXXX, with no payments made, closed XX/XX/XXXX. The debt was sold to XXXX associates XX/XX/XXXX. 

The FCRA regulations are clear that the date listed on the credit report should be the date of delinquency. The account is listed as opened in XX/XX/XXXX. In the response from my other complaint the company clearly indicates the account was opened XX/XX/XXXX, and with no payments made the date of delinquency would be 30 days after XX/XX/XXXX. 

DNF has changed the date on the account to park the debt. The date on the account should be changed to reflect their own records of XX/XX/XXXX as the open date and the delinquency date of XX/XX/XXXX. 

Debt parking is illegal. Fraudulently and knowingly reporting incorrect information to the credit bureaus is illegal. DNF should be investigated for debt parking.
Product: Credit reporting or other personal consumer reports

I requested my credit report on XX/XX/year>. And Experian responded with a message stating that a condition exists that prevents Experian from being able to accept your request at this time.
Product: Credit reporting or other personal consumer reports

verbiage 75 % F6 The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" I recently reviewed my consumer report and noticed an incorrect late payment record on my JPMCB CARD. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these pdates to be made promptly, in compliance with the law. ''
Product: Credit reporting or other personal consumer reports

I contacted XXXX by phone on XXXX to report an inaccuracy being presented on my consumer report. I requested to have this account ( XXXX XXXX XXXX ) removed because the account does not belong to me. Further, XXXX XXXX XXXX violated the FDCPA rule XXXX since I was not notified in writing prior to this alleged debt being reported on my consumer report. 
XXXX is now requiring me to provide personal information and explain ( prove ) why this alleged debt/account does not belong to me. However, the entity ( XXXX XXXX XXXX ) was not required to provide any information whatsoever to prove the validity/accuracy of this alleged debt. Why do I ( the consumer ) have to prove why an account that was never validated DOES NOT belong to me when the entity is not required to do the same prior to reporting the account on my consumer report. 
The verifying documents that are being requested of XXXX ( from me ) have already been provided on numerous occasions via certified mail. I have attached these documents for review. Where are these documents being stored and why am I continually having to provide them when I identify an inaccuracy on my account. 
It seems that the credit bureaus are more supportive of reporting inaccurate information without any validation as opposed to recognizing an inaccuracy identified by the consumer and removing that inaccuracy in accordance with Fair Credit Reporting Act and FDCPA rule XXXX, Validation of Debt requirements.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent total XXXX to two people by zelle it processed on my end but zelle closed their account and never recived the money and zelle is refusing to refund me my money back
Product: Credit reporting or other personal consumer reports

I requested a " free credit report '' from Experian. That report was generated and sent to me on XX/XX/2024. I did not request any other services. Experian apparently enrolled me in a credit monitoring program which I did not request. I believe they charge a fee for my " membership '' but I am unable to find out what the fee. They claim to provide an option to downgrade my membership to a free account but I can't find any way to access that option. They have assigned XXXXXXXX XXXX XXXXXXXX to me. I did not request this membership and I am unable to cancel it. I have tried to access their website, use their XXXX  and call their helpline but I can't reach anyone or take any effective action. Everything is AI and automated and doesn't effectively respond to my concerns. 

I want to either cancel this membership completely or downgrade to a free account.
Product: Checking or savings account

Hello, I had an account with the American Bank and they closed it for the reason of Fraud. That is what is written on the XXXX XXXX XXXX report ( report is attached ). Now I am not sure what fraud have I done and by reading the following story you will understand this as well. 

Due to the pandemic i was laid off from my job in XXXX, so applied for assistant-ship. Thanks to refugee settlement program, they sent us a check of XXXX dollars. We didn't receive the check for several days so we called them and they said that it has probably lost so they sent us another check. We received the check and my husband ( XXXX and at home, can not speak English at all ) entered it into our account but it bounced. The date of this transaction was XXXX. Account and checks entering dates to the accounts are attached. 

So we thought that it probably has something with the agency that they have blocked the check and we called them again. They said probably we have entered the first blocked check and wait for a few days to receive the other one and enter that to the bank account. So we waited for few days and we received another check. This bounced as well. So we called the agency that both checks bounced and they are not working. They told us that they will investigate and call us back.. 

After few days we got letter from the bank that our account has been closed. We went to the bank to ask for the reason and they didn't tell us anything but directed us to the XXXX XXXX XXXX. 

We called reporting services and send emails through the XXXX XXXX portal ( all information and proof is available ) and they didn't respond at all to our question, except they sent us the report from the bank and that's all. Emails to the early warning service are available. 

Upon calling the bank to check with them what is the issue, they said that it was a business decision that they closed my account. I told them, fine but why is this decision is showing different on the early warning services and as a " Fraud ''. They said they can not do anything to that service and that we have to talk to the reporting service our-self. 

I am a mother of XXXX with a XXXX  husband at home. I work in a factory and all my life depends on this account. I always try to be on top of my financial transactions as i know that it affects my credit and my life. It exactly happen like that, with bouncing a check how can my account be flagged as fraud. 

Due to this issue now i can not open an account in any institution and upon investigation i have been told that this report will last for at least 5 years and that i won't be able to open an account for the duration of that time. 

Tax season is upon us and i need to have an account to file my taxes. I need help as i have been everywhere and no one is helping me at all. I hope that I will be given a fair chance to prove myself and my transactions. 

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

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX - XXXX  ( XXXX ) XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX ( XXXX ) XXXX XXXX : XXXX XXXX, XXXX XXXX inquiried on my credit report improperly. I have a credit fraud alert on my account that is very informational on how to verify my identity, call me before hand in order to pull my report. they did not follow the instructions and pulled anyhow.