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

I opened a savings account at Citizens Bank, XXXX XXXX XXXX, XXXX, Ohio in response to a mailing I received, promising {$200.00} if the funds stayed in the account for 3 months. There was a greater bonus for opening a checking account as well. On XX/XX/2021 I opened the account in person. I asked multiple times if there was any catch, and was told by the gentleman that opened it, " well we would like you to keep the funds with us, but no, just deposit the $ XXXX in a savings account and you are eligible. '' The transaction # for the deposit is XXXX, The last 4 digits of the account are XXXX. This transaction was made by the teller, not by the banker that answered my questions. The week of XX/XX/XXXX, I called customer service as no funds had been deposited. After an almost 30 minute call, I was told by the agent the funds were due to be deposited on May 31st. I asked her why not earlier, but she just kept saying the account shows they will be deposited XX/XX/XXXX. I called again the week of XX/XX/XXXX, as the funds were still not deposited. After a 45 minute call, I was told that the first agent was incorrect and no funds would be deposited because I hadn't opened a checking account as well. I explained multiple times that I had confirmed that wasn't necessary with the banker. She just kept telling me they had made a mistake. I asked to speak with a supervisor to escalate the issue. She said she would esclate the matter and I would get a call back within 48 hours. As of XX/XX/XXXX, I still have not heard back from them. Either the banker gave me incorrect information, or the customer service agents did. Regardless no one has attempted to contact me or remedy the situation.
Product: Credit reporting or other personal consumer reports

**Subject : ** Request for Investigation and Removal of Inaccurate Collection Information Dear Equifax , I am writing to dispute the inaccurate collection account ( s ) listed on my credit report. As a consumer, I have the right to ensure that the information being reported about me is both fair and accurate, as stated in the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ]. I respectfully request that you investigate the following collection account ( s ) and remove any inaccurate, unverifiable, or outdated information from my credit report. 
I believe this account is inaccurate for the following reasons : XXXX Has deleted this account from my account due to the fact it could not be verified to be mine I have attach my XXXX letter stating it was deleted, so please deleted from my report as well. 
According to the FCRA, specifically [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. I request that it be removed from my report in compliance with [ 15 U.S.C. 1681i ( a ) ]. 
Please send me a written confirmation once the investigation is complete, as well as an updated copy of my credit report reflecting any changes. 
Thank you for your prompt attention to this matter. I look forward to your response within the time frame allowed by law.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

MY ATTORNEY RECOMMEND THAT XXXX XXXX XXXX DO A CREDIT ACCOUNT REVIEW ON XXXX  ONLY! AUDIT TRAILS AND PROFILE DATA IN CORRECTLY MATCHING CAPITAL ONE INFO. 

WHEN APPLIED FOR THE 2 CARDS THEY PULLED A 4-1 ON ALL 4 BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies are willfully defaming my character continuing to report inaccurate information on my credit report without providing proof. Also they're in several violations of my consumer rights. 

In Pursuant Of 15 Usc 1681a ( 1 ) we have the right to accurate and fair credit reporting!! 
These accounts are not showing accurate on my credit report. 

According to the FCRA 611 ( A ) ( 1 ) the credit reporting agencies were supposed to respond to my disputes within 30 days I have received no correspondence about my disputes According to the FCRA 605 ( c ) Running of the reporting period was occurred on all these accounts. They re age the date of last activity to willfully defame my character and keep my consumer report at a low credit score I demand these accounts be removed from my consumer report & blocked during the investigation occurs on all reporting agencies reporting alleged accounts
Product: Credit reporting

My ex-husband XXXX XXXX him and his new wife took my social security and had all my info and opened accounts and used my name for different things she also worked under my name at a XXXX in XXXX Utah where they grabbed most of the accounts
Product: Debt collection

Franklin Collection SV account XXXX XXXX XXXX XXXX  I have know Idea what this is for and why you placed it on my credit report. 
please give me some type of information about this debt, { 1 } a copy of billing, A copy of a service contract with my name on it, where or who made the debt, what type of debt this is and for what. I be waiting to hear back in your response to the CFPB because I have no idea what this is for
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$20.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2024 at approximately XXXX XXXX, I attempted to open a Certificate of Deposit electronically via the Goldman Sachs " Marcus '' portal. After providing my name, date of birth, Social Security number, home address, telephone number, and country of citizenship, I was notified that additional information was needed and had to call their customer service number using the application ID XXXX. After calling customer service and being transferred to multiple departments and repeatedly providing the same information, I was told that my application was declined because they could not confirm my identity. After inquiring as to the reason for this since I had provided my Social Security number and date of birth, they would not disclose their reasoning and instead threatened to hang up on me. The Goldman Sachs employee who refused to explain what the problem was named XXXX and would not disclose her last name ; she did not offer any alternative solution to this problem that I could undertake to rectify this situation. She was rude, dismissive, and combative. I have never felt so belittled.
Product: Consumer Loan

I just paid a car loan settlement off in full from SANTANDER and i 'm working on repairing my credit to try and obtain a mortgage. I need a letter stating i have paid the loan off and they want me to wait at least XXXX days. Unfortunately, i cant wait that long so i need the letter faxed or emailed to me now so my mortgage lender can fix my credit. They have taken the money out of my account already and there is no reason why they cant send documentation stating that they have been paid.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened atXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, a personal phone account with XXXX XXXX opened XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collections account opened at Sunrisecred on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX XXXX on XX/XX/XXXX with a glance of {$61.00}, a collections account opened at XXXX XXXX  on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$12000.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Last year I started receiving phone calls from a collection agency that stated that I had taken out a payday loan in 2008 and it had not been repaid. I told them it was not possible because I had repaid all of my payday loans immediately. They claimed that it had not been repaid and they threatened legal action. It was around {$470.00} and I offered them a settlement of 75 % of the amount if they would just stop calling me. I paid the money and they sent me paperwork proving that it was paid in full. A few months ago, I started receiving skip tracing calls again from another collection agency. This time I decided to not take any of the calls because it sounded like exactly the same type of debt and I thought that if I keep paying it, they can just keep coming back to me for another payment. Yesterday, I received an alert on my credit report and discovered that the collection agency has placed a collection account on my credit report for {$470.00}. It provides no information about the debt they are collecting, not the type of debt or the date of the debt. I am 100 % confident that I have zero unpaid debts for the past 10 years and this is the ONLY negative item on my credit file in that period of time. In addition, they have been calling my children on their cell phones in an attempt to reach me and leaving me messages threatening to call my references. The organization is called " Progressive Management Systems '' XXXX XXXX XXXX XXXX FL. XXXX. I am afraid to contact them directly because their voicemail messages are very aggressive.
Product: Credit card or prepaid card

I applied for a Barclays credit card & was approved. But they never sent me my card. Yet there is already a large balance owed on the account but I have yet to receive my card! 

Also someone broke into several cars in my apartments, mine was one of them. My phone and wallet was stolen from out of my car.
Product: Debt collection

I am writing to formally dispute the inaccurate information regarding late payments on my credit report. After a recent review of my credit history, I discovered discrepancies that do not accurately reflect my payment behavior. Specifically, the late payment information associated with the following account : XXXX XXXX XXXX -- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX -- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness. 
I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there may have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 My credit was ran and a report was issued by EQUIFAX for a house I rented. I have a copy of the report. 

XX/XX/19 I tried to open a cable account and they could not verify my identity so I contacted Equifax and even though I was able to answer numerous questions I would only know they said they could not verify my identity either. I suspected it may because I put a freeze on my account several years ago, although they would not confirm that either. Equifax is requesting that I verify my identity which is going to take several weeks and requires me to mail or fax sensitive information. In the meantime I became ( and still am ) very concerned something fraudulent was/is happening in view of Equifax having all the correct information but still unable to verify my identity. 

My complaint is that I am being denied access to my credit report while anyone else is able to retrieve it. 

Fortunately, I was able to access report from XXXX which shows no fraud, however I am concerned about Equifax because I have had several problems with them over the years with mis-information and then failing to correct it upon receipt of supporting documentation and I suspect this is going to be handled the same way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from CarMax, when I didn't want them to check my credit for a used vehicle on XX/XX/XXXX that wasn't me.
Product: Credit reporting or other personal consumer reports

| recently received a copy of my credit reports and found that XXXX and EQUIFAX are illegally reporting inaccurate, non compliant, and false information about me. XXXX is reporting TWO accounts from XXXX that are reporting as collections, open and with balances. EQUIFAX is reporting ONE XXXX account. 

This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standard. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report. XXXX is required to remove any information that is not true, accurate, COMPLIANT, and verifiable. I demand that these above mentioned derogatory items be permanently removed from my report.
Product: Money transfer, virtual currency, or money service

I contacted a gentleman about buying his concert tickets to the XXXX and XXXX XXXX XXXX concert at XXXX XXXX XXXX in XXXX, Maryland. We agreed upon {$20.00} for the tickets and using Paypal as our transfer method. When I sent the confirmation to the gentleman ( XXXX XXXX XXXX ), he blocked me and I did not receive my concert tickets.
Product: Student loan

Due date of student loan is the XXXX of every month. Went in today to make my payment, on Sunday the XXXX at XXXX. The EdFinancial website sets my payment date to the XXXX because only weekday payments are processed on the same day. 

Why give a due date of the XXXX and then make my payment effective date the XXXX when my payment is on time? So, the payment is actually due on Friday the XXXX. Thats misleading and unfair. If I pay on the XXXX, the payment should be applied that day. My credit report should not be dinged because EdFinancial can not process weekend payments.
Product: Mortgage

Arvest Central Mortgage began servicing my mortgage on my home in XX/XX/XXXX after the purchase of my home. Since that time, I have paid a bi-weekly payment to Arvest of {$1200.00}, with the last {$1200.00} being paid before the XXXX of each month to ensure the monthly payment is not late. Rather than applying my payments each month to the mortgage, Arvest instead applies the payment to " unapplied payments '' or " principal '', depending on their fancy. Each month, I have had to call and remind them the payment is a half payment and the other payment will be paid before the due date. In XX/XX/XXXX, Arvest reported my XX/XX/XXXX payment as late, causing my credit score to drop by 150 points, although they had received a full month 's payment and simply added the first payment to unapplied funds. 
I reached out to Arvest, the three reporting agencies and indicated there was an error and provided copies of my bank statements to verify the payment of my mortgage in a timely fashion. Despite this, Arvest has refused to update its reporting and has caused me financial harm by erroneously reporting my payment history, and willfully refusing to update it to indicate that it received my mortgage payment in a timely manner. I would greatly appreciate assistance in having my payment history updated to remove this error. 

Thank you, XXXX XXXX, XXXX.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act 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 also states, a consumer reporting agency, can not furnish account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on the credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting

i have various hard inquiries on my report that have affected my score, i would like to be removed ... some have not been removed and the months have stated that they should be removed in XX/XX/XXXX and XX/XX/XXXX. please help
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX- -- ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( 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.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXXXXXX XXXX  Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not recieved a response yet, I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and its been over 60 days, so it should be deleted promptly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong person hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XX/XX/2018 Car Payment for Nissan Motor Acceptance was reported 30 days late on my credit report with XXXX, XXXX snd XXXX.The Payment was due XX/XX/2018 and I paid it XX/XX/2018.Thats only 19 days late.They reported it 30 days late.I have done several disputes online and via mail but they claim it was reported correctly.I sent all three bureaus a copy of my bank statement showing I paid XXXX on XX/XX/2018 but they stil would not change it.