23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hello I have met the requirements for Citi XXXX XXXX XXXX XXXX bonus offer that I signed up for when opening my Citi checking account. I have been told by my multiple supervisor and agents on the chat and on the call that I have met the requirements on XXXX  and my miles will post within XXXX days of meeting the requirements. I am also adding the direct terms and condition which says the timeline of posting the miles but Citi promo department is saying the timeline is within XXXX days which is direct contradiction with the terms and conditions of the offer which I will adding below. I have tried to get resolved I want Citi to help me resolve it. 


To remain eligible, your Checking Account must remain open and in good standing from the time its opened until you receive your bonus. Your AAdvantage bonus miles will be credited to your AAdvantage account within XXXX calendar days from the date you complete all Required Activities. Note : You will not fulfill the offer requirements if your Eligible Checking Account or AAdvantage Account are closed at the time the AAdvantage miles are credited to your AAdvantage Account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was sent {$4000.00} via friends and family I then opened the PayPal account as soon as I accepted the money they immediately limited my account wanted my id after uploading before I could even complete it they permanently limited my account. Said funds would be available after 180 days they sent me messages via the message center with the date XX/XX/2023 my funds would be available. XX/XX/XXXX they refuse to release my funds still are telling me no information available. I just want my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX writing you guys because I have news This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports 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 You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 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 Account name - XXXX XXXX XXXX - Date XX/XX/2022 Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I contacted Conn 's Plus to get current on my account and set up Automatic Draft payments. I was preparing to repair cy credit. At that time, I was told that I can only set up Auto pay draft for 6 months at a time. Well at the end of the 6 months, I was never notified that my last payment was taken. Therefore, my next payment was never taken ( XXXX ). Again I wasn't notified. Once I realized a payment had not been taken, I contacted Conn 's once again to set up Auto pay draft. My monthly payment is {$140.00}. XX/XX/XXXX, they reported my 30 days late. Not sure why, I called. They mentioned the late payment from XXXX. not being drafted out of my account. ( they reported something from XXXX in XXXX ) They then assured me I was indeed enrolled in the Auto pay. I was still confused. I asked if they would reverse that late payment on my credit. They said they would dispute it, but nothing happened. Now XX/XX/XXXX ... they report me again as a late payment. This - just days after drafting my payment out my account. I called once again. Now a different customer service rep tells me that I was behind by {$180.00}. How is this possible? I ask. She then tells me that although I am enrolled in auto pay draft, they are only taking out a payment of {$120.00}. I asked how and why would they not take the full amount of {$140.00}. She had no answer. Just ... '' not sure why that happened '' and an apology. I asked again if they can reverse those reported late payments since this an discrepancy on their part. She told me to contact a credit specialist. I asked to speak to a supervisor. He then confirms what she said about the error of them not taking the full authorized amount, apologizes again, then proceeds to ask for a payment to get current. I agree to pay the balance of {$180.00} to get current. While on the phone with the supervisor, he updates my file to take the FULL amount of {$140.00} for future payments AND the also offered up an option of 1 year auto pay setup. Not only did they not give me the option to set up auto pay for a full year, I was told a number of times that 6 months was as far out as I can go with setting up my auto pay draft. Next issue is they made an error on how much they draft out my account, which resulted in me having a past due balance and them reporting me as late on my credit. Of all the times I called before, no one ever mentioned to me a balance due. I begged and asked them to please remove those late payment from credit, but to no avail. This was a negligent error on Conn 's part, and they are not willing to rectify it.
Product: Debt collection

Portfolio is reporting on my credit as though there is a balance. This was settled through a debt settlement company and there is no money owed. This was actually resolved in XXXX of last year. The difference of what Portfolio is reporting is the difference from the original amount and the settlement. I have attached proof that everything was settled through the company. Portfolio needs to honor the agreement.
Product: Credit reporting or other personal consumer reports

I AM REACHING OUT TO REMOVE ALL LATE PAYMENTS FROM ALL OF MY XX/XX/XXXXL ACCOUNTS 2 CREDIT CARDS AND ONE LOAN.

1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act. In general, this provision requires a furnisher to report the credit obligation or account as current during the COVID-19 pandemic, unless the account was delinquent before the accommodation. F ) Reporting information during the COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX 2019 ( COVID19 ) pandemic during the covered period.In accordance with the Fair Credit Reporting ActXX/XX/XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can furnish an account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was given an option to pay off the extensive loan that I was trapped into. XXXX XXXX XXXX colluded with XXXX XXXX of XXXX XXXX, TX to defraud me into buying a car that was almost XXXX times the worth. I attached the Settlement offer that XXXX company I came into agreement so that I could be done with this fraud against me. I paid a total of {$1400.00} to end this fraud perpetrated against me due to me not having knowledge of buying a car. They took total advantage of me. I have included the total contract. They electronically signed my name and I was not aware of how much this car was until I received the contract in the mail XXXX weeks after having the car. I did not have a XXXX paper in the window of the car or nor was it produced to me. I was taken advantaged of and want the CPFB to look into this contract also. 
I am complaining that XXXX XXXX XXXX allowed this incorrect and inaccurated information to be projected on my credit report erroneously thereby causing me harm, financial hardship, and credit denial. I tried to get XXXX to accurately reflect that my account was correct, From XX/XX/2023 to present reporting of this fradulent reporting, they are still reflecting a negative and erronous amount on my report. I am asking that the CFPB send this complaint to the appropriate entity that will help me with taking the next step so that I can be compensated for XXXX XXXX  blatent false reporting of negative items on my report that caused me and my family harm. My credit score suffered due to this erronous reporting of inaccurate information that harmed me per failure due to a violation of the Fair Credit Reporting Act ( 15 U.S.C. state statute 1681 g ). 
I want XXXX to take all late payments off my credit report due to a Pandemic that kept me and other Americans from going to work due to Covid-19 Pandemic. I have always paid the exuberant fees that I was defraud of. I want a legal entitiy to levy penalties against XXXX for misrepresenting the facts on my personal credit reports and I want them to reimburse me the maximum amount of penalties and fees that could be levied against a company that repa consort false and inaccurate information on a consumers 's report. 
I want an investigation on why they kept reporting harmful, inaccurate, and misleading informaiton on my credit report. I want to know why they did not correct my report in XX/XX/2023. I have been harmed financially, personally, and mentally.
Product: Mortgage

It has been more than seven days ( not including weekends and legal public holidays ) since my servicer received the notice of error or information request, and I have n't received any communication from my servicer. The letter was a certified mail dated XXXX/XXXX/16 and it was delivered to Quicken Loans on XXXX/XXXX/16 at XXXX XXXX XXXX, MI XXXX
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

My online account shows a positive balance of {$170.00} and yet on XXXX they hit me with XXXX overdraft charges of {$170.00}. which put the account negative and then they hit me with another {$100.00} overdraft fees on XXXX and XXXX. XXXX of the charges were for less than {$10.00} and yet they told me any overdraft under {$10.00} would not have such a overdraft fee. They also re sequenced the charges so as to maximize fee. The same game that they were had class action suits for. The account is {$160.00} negative only because of there {$280.00} overdraft charges over XXXX days
Product: Debt collection

For the past 2 years I get numerous calls as early as XXXX as late as XXXX from Tuition Options. I had a scholarship that covered my classes. I sent letters, emails and talked to them via phone to resolve this with no resolve. I asked the calls to stop, but no luck. 
I attended XXXX XXXX XXXX in 2013. 

I have phone recordings with times/dates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, after reviewing a full copy of my credit report there were multiple accounts i noticed that weren't accurate. On XX/XX/XXXX an XXXX XXXX XXXX  was reported with a current balance of {$3300.00}. On XX/XX/XXXX an XXXX XXXX XXXX was reported with a current balance of {$470.00}. On XX/XX/XXXX a XXXX XXXX MANAGM was reported with a current balance of {$610.00}. On XX/XX/XXXX a XXXX XXXX XXXX was reported with a current balance of {$3700.00}. Finally, on XX/XX/XXXX a XXXX XXXX XXXX was also reported with a current balance of {$830.00}.
Product: Debt collection

They called saying I owed a XXXX  debt to XXXX XXXX XXXX. I have a XXXX different XXXX  debts from XXXX and the name sounded familiar so I paid it. Then I noticed on the charge on XXXX  XXXX  card that the call back number was to a XXXX XXXX customer support line, which I verified through XXXX XXXX was fake. Ive never had an account with XXXX XXXX. Then I looked through XXXX XXXX bills and never found XXXX for XXXX XXXX XXXX, then Googled and learned that company doesnt exist. I called back but they kept asking me my info and stalling on the line so I got scared and hung up. 

The company name is XXXX XXXX XXXX The charge was for {$240.00} from XXXX XXXX XXXX XXXX and the call back number to the fake XXXX XXXX support was ( XXXX ) XXXX. They were calling XXXX  for weeks but the transaction happened on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I had a loan with XXXX XXXX around XXXX. XX/XX/XXXX I received a letter from XXXX a debt collector for Security Credit Services LLC stating that as of XX/XX/XXXX I owed {$2900.00} from an account I originally had with XXXX XXXX XXXX. 

XX/XX/XXXX I sent XXXX and Security Credit Services LLC all my bank statements from XX/XX/XXXX thru XX/XX/XXXX totaling {$3200.00} explaining that I did not owe that debt to them or XXXX XXXX XXXX XXXX. Security Credit Services , LLC reported the outstanding debt on my credit report. 

On XX/XX/XXXX I wrote XXXX XXXX a letter disputing the debt. I sent them all my bank statements as well. They sent me a letter back on XX/XX/XXXX stating the following : Investigation Results- Verified as Accurate and Updated. This debt remains on my credit report.
Product: Vehicle loan or lease

First and foremost the vehicle was repossessed without any prior notice that were going to happen. The vehicle was repossessed XX/XX/year> and by XX/XX/XXXX i had my vehicle was and cleared all the balance. Now, suncoast credit union reported to my credit the repossession and after i called them to resolve this issue they made me aware that it will stay in my credit for 7 years. What is the point of getting the car back if they are still reporting a repossession when it is truly not a repo? They are totally messing with the laws.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  DATE OPENEDXXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE AND DELETE ALL LATE PAYMENTS FROM MY PROFILE. THEY ARE IN VIOLATION OF THE FCRA : AMERICAN HONDA FINANCE XXXX
Product: Credit card

Capital One bank took money out of my account through an ACH transaction on XXXX XXXX. The Ach Trace Number is XXXX. My credit union states it was from an online transaction. I have been behind on my account and it was closed after my son got XXXX last year. I am paying them {$50.00} a month but they took out {$1000.00}. My mortgage payment. I searched the web and this seems to be a practice that they do a lot. I have not made a payment to them through the account they took the money from for quite some time. I ca n't believe they would have the ability to just take money as they see fit.
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, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$890.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found fraudulent accounts listed. Please remove these accounts as they are negatively affecting my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing this complaint against the credit reporting agencies ( CRAs ) for their continued reporting of account XXXX by XXXX XXXX which is past the statute of limitations for reporting under the Fair Credit Reporting Act ( FCRA ). I have sent multiple dispute letters to no avail. My last dispute letter sent over 45 days ago which is dated and time stamped is attached.

Under the FCRA, an account must be removed from a credit report seven years after the date of first delinquency ( DOFD ). Despite this clear regulation, the CRAs continue to report this account beyond the allowable timeframe. Furthermore, the CRAs are reporting inaccurate information, including : Date of First Delinquency ( DOFD ) : The date being reported is incorrect, which is instrumental in determining the account 's removal.

Date Last Active : This date is also being inaccurately reported, which affects the account 's status and validity.

These inaccuracies violate my rights under the FCRA, specifically 15 U.S.C. 1681c ( a ) ( 4 ), which requires the exclusion of outdated
accounts, and 15 U.S.C. 1681e ( b ), which mandates the maintenance of maximum possible accuracy in credit reports.