23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a mastercard from Citi that requires an annual fee. As Citi removed feature after feature from the card, I finally realized a card with a fee made no sense. So, I applied and got a new card and started what I thought would be a straightforward cancelation process - especially as I've already told Citi I wasn't happy with what they were doing. I started documenting my card cancelation process with Citi ( via their chat feature ) on XX/XX/2020. This was not the first time I tried to cancel the card this year. On XX/XX/XXXX, Citi ( XXXX ) responded that I had to call Citi. My chat session shows that I had tried to call, but that the calls disconnected multiple times. I waited, not wanting to expend the amount of time Citi might require, but I tried again on XX/XX/XXXX. No success again and I went the chat route to find out when a good time call might be. I was told Citi could be reached 24x7. Still, I waited. Not wanting to deal with the Citi unpleasantness, but knowing I really didn't want to have an annual fee assessed on me again. So, XX/XX/XXXX. I called again. I waited 37 minutes. And, the line got disconnected. Again. I had the idea that perhaps I can mail back the credit card I'm trying to cancel. The next chat person ( XXXX  ) said that I could not and proceeded to school me that we have a pandemic!! 

Bottom line : What I see is that Citi has made it impossible to cancel a card. My annual fee isn't huge, but I want to save every dollar I can and Citi is not allowing that.
Product: Credit reporting or other personal consumer reports

Pursuant to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy, however, this is not the case because Experian is purposely violating my consumer 's rights by reporting late payments that are negatively affecting my creditworthiness.

I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not provide this, please UPDATE the alleged late payment ( s ) on my credit report and UPDATE the payment history to paid as agreed never late ( PANNL ) per 15 USC1681b.

Your company is in clear violation of the law. Under 15 USC1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2. ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

UPDATE the above late payments from my consumer report to paid as agreed never late ( PANNL ), this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the referenced account, and send out a free copy of my credit report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616 Civil liability for willful noncompliance ( 15 USC 1681n ).

I request that you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PANNL ). 

Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

I need you to investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once you have finished your investigations send me an updated credit report to the address stated above. Thank you!
Product: Debt collection

I paid off my {$3500.00} debt in settlement for {$2200.00} and they have reported a remaining debt of {$1400.00} and added a random {$160.00} dollars out of nowhere after it has been paid and as a result my credit was illegally tanked because of this I am also receiving emails and calls saying to pay this amount of {$1400.00} after I already settled and its done devastation to my credit once again its with another company called XXXX XXXX  It also shows in the paper that Im uploading that it was updated on XX/XX/25 after settling on XX/XX/25 I also told the XXXX XXXX to stop calling that it would be paid and they called me XXXX more times after, this is getting ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Inquiry left that need to be removed or Block. Per FCRA section 605 you are required to remove the remaining inquiries listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you Accountable for your willful noncompliance. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Payday loan, title loan, personal loan, or advance loan

My original loan was for {$500.00}. I had to pay {$50.00} for two someone to speak to me to set up a payment arrangement now theyre telling me I own XXXX
Product: Vehicle loan or lease

Purchased a XXXX XXXX XXXX XXXX at XXXX miles in XX/XX/XXXX at {$19000.00}. We tried returning the car less then 7 days later due to not a car for us as a family. We were told we had to make payments on the car first and try to trade it in after. We drove the car less then 800 miles and the clutch failed. The dealer wanted to charge {$4000.00} to have the clutch fixed. Came back to trade it in and was told we need to make more payments before they will trade it in. The dealer should of have replaced the clutch before we bought the car since it was past the 100,000 miles marker. We have had our credit run again by the dealer when we didn't have an reason to wince there was nothing happening.
Product: Credit card

I have tried to pay my bill off my bill to avoid interest fees and could not set up a payment withdrawal on the date needed. I spoke with XXXX and was told to call back on the day I want to submit. No payment can be manually input for future dates. He was also informed I tried to submit my payment online through the application. I was told I had until XX/XX/2023, to submit {$900.00} to avoid interest rates. This will pay off the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that this is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00}
Product: Debt collection

Midwest Recovery Systems reported to my credit on XXXX  and XXXX  XXXX XXXX stating they were a collection company that took over a XXXX  XXXX  I received from The XXXX XXXX. I paid the amount of {$590.00} XX/XX/2020. and now finding out that they have lied and reported to my credit and stolen my money. The actual account was sent to XXXX and they are now asking for the collection account from The XXXX XXXX. I have call Midwest Recovery System numerous times and all the numbers are disconnected. 
XXXX XXXX XXXXon Bank Transaction {$590.00} XX/XX/2020
Product: Credit reporting

Experian is reporting duplicate closed information for XXXX, when in fact this account is paid on time and active. Experian has several duplications for XXXX as it relates to negative accounts on my credit file. XXXX reporting states its closed, another reporting states it is open yet delinquent which, this creditor should in fact be updated with on time payments. This account is not delinquent.
Product: Debt collection

several inaccuracies in my credit report. Pursuant to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), I have a right to dispute and correct any inaccuracies in my credit report.

After reviewing my credit report, I have noticed several errors that are negatively impacting my credit score and overall financial standing. Specifically, [ provide details of the inaccuracies here, such as incorrect personal information, outdated or inaccurate account information, or fraudulent activity ]. 

I have attempted to rectify these inaccuracies with the credit reporting agencies directly, but have not seen any resolution or improvements. As a result, I am seeking your assistance in resolving these issues and ensuring that my credit report is accurate and up-to-date. 

I respectfully request that you investigate these inaccuracies and take appropriate action to correct my credit report in accordance with the FCRA. I appreciate your attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been a victim of the XXXX data breach and I also have inaccurate items listed on my credit reports. My reports are required to be 100 % accurate, but they are not and this is hurting my reputation with the banking system. I am looking to get a mortgage and this is hurting my chances because I have inaccurate and incorrect items on my credit report as well as unauthorized inquiries on my report. I need this removed immediately. I sent XXXX, Experian, and XXXX letters more than 30 days ago and they disregarded my disputes. I demand you remove the disputed items immediately
Product: Consumer Loan

I recently discovered on my credit report, XXXX collections accounts from Southwest Credit and XXXX ( XXXX ) regarding a XXXX XXXX debt. I do not owe XXXX XXXX anything and would like to dispute both accounts in the amounts of {$400.00} and then {$250.00} both of which again, are regarding XXXX XXXX. I spoke with a XXXX Representative about the said amounts XXXX of which they verified in the amount of {$250.00}. The amount of {$400.00} they stated they were unaware of. I was told that I once I returned equipment boxes and XXXX remotes, the charge would drop off. I returned the equipment and am still seeing the fee of {$250.00}. Additionally, the charge of {$400.00} is still sitting on my credit report and both charges have been sold separately to XXXX separate collections entities. 

This complaint is not regarding a loan, but rather a inaccurate collections debt. I did not see this type of complaint available under the section entitled, " which of these best describes your issue '' so I selected one of the options in order to move to the next phase of reporting this inaccurate charge.
Product: Money transfer, virtual currency, or money service

The imposters claiming to be a police officer reached out to me through a XXXX police department number and said that my SSN has been used to open illegal accounts. The fake police officer then " transferred '' me to an alleged member of the FBI, whose fake name is XXXX XXXX. The member of the FBI said that my SSN has been involved in various suspicious activities including money laundering, drug trafficking, stolen vehicles, etc. He said that my bank account has been mixed in with the accounts of the people who have stolen my identity and told me to wire transfer money out of my CD account and into a given account number so that they can " help sort through the bad accounts. '' I did as he asked for my Discover account and scheduled a wire transfer of {$15000.00} at XXXX ET on XX/XX/2019. 

On the Discover wire transfer confirmation, it clearly said that for the wire transfer to send today, I must call for a verbal confirmation by XXXX. However, since I made the transfer at XXXX ET, by the time I granted the verbal confirmation it was already past XXXX ET, so the payment shouldn't have sent. Later when I realized that this has been a scam, I reached out to Discover, I was told that the {$15000.00} has already been transferred out of my account, and they can only put out a recall for the transfer. 

As of right now, I have a case opened with Discover for the scam as well as an official police case number. The Discover customer service agents have been extremely helpful and closed out the bank account that was jeopardized, and I am hoping that Discover can successfully make a recall from the imposters. However, I do think that the way the bank allowed a transaction made right at the cut off time and authorized after the cut off to go through on the same day is misleading to the customers. If the policy were actually as listed on the confirmation page, the {$15000.00} would still be a pending transaction when I called the company and this could have been salvaged with damages. Based on this experience, I don't think Discover has actually protected my account as what they said they would do.
Product: Credit reporting or other personal consumer reports

I have contact Equifax via their webpage to report my inquires and an account on my credit report as unauthorized, I had provided the proper documentation to have these removed as they negatively impact my report. The company then sent a letter within 7 business days saying that the inquires were verified. However, they were indeed not. 

I am requesting the following information to be removed from my credit report promptly. Additionally, I will submit all proper documentation to have the items removed. 

Inquiries : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  will be in providence of an updated FTC report, legal identifying documents, and a police report filed with a copy of the card ( which includes the officers signature, badge number, date, and case number ). I have previously filed a complaint and the response was unsatisfactory as they requested information to process my request, but gave me no sources to submit such information. Therefore, I will be submitting my request with the requested documentation from a previous correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, and XXXXXXXX XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

This loan actually was first returned because they sent it through our bank before due. 
We acknowledged this and it was sent back through and paid on XX/XX/XXXX. Now our bank notified us that cash central tried to make up a fraudulent check and send it through in XX/XX/XXXX and the bank did s fraud investigation and proved they did act fraudulently regarding this matter. Now we have a XXXX XXXX XXXX trying to collect yet they have no paperwork nothing yet I have proof of being paid via my bank statement yet they want letter from company that it was paid yet this was 6 years ago yet they threaten us with legal proceedings and tell us nasty things
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Vehicle loan or lease

I had been paying my due payment plus an extra XXXX to XXXX dollars to reduce and cover late fees on my account. I then come to find out that none of the payments were being applied as the system said they would be. The system for XXXX XXXX indicates that if a payment is made past the due date a fee is assessed.. in order to pay the due fee Id make my payment with additional funds to cover the fee. I come to find out that not only were the late fees not being applied correctly but that there is interest accruing on the fees! I called and got this information from a representative. The rep indicated that it could take time to get this resolved and that someone from BMW would call me. Noones called me. The fees are still there. The thing that BMW did do  however, was apply the extra funds I paid to the next payment due. This was not reflected on the monthly billing statement however, as the monthly payment continued to reflect the full amount. I believe that BMW even marked me as 30 day late one or two time because of this confusion, as I paid the true amount due, as opposed to what was on the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I 've sent letters to Viking Client Services requesting specifics on this alleged debt. I do not have a contract with Viking or XXXX XXXX XXXX. I have not received nor made payments to either of these companies.
Product: Credit card or prepaid card

On XX/XX/2020 I called fortiva cause I noticed that my account was closed when I checking my online account so I called to find out why my account was closed and not given the proper notification that is required by law. After speaking with XXXX who refused to give me his employee so I could better identify him. Told me a manger would call me 2-3 business days. Well on XX/XX/XXXX a manger called named XXXX Told me he could not answer my questions and in 2-3 business days he would receive a call from a different manager. Well that never happened Im not sure XXXX  was even a manger. This is the 3 rd time they have closed my account with out send out in the mail proper notification. And when you call they say they do not have to. They keep saying they have right to close my account and I agree they do. I do lot even care what the reason is. There needs to be consequences for them doing this. Also like to know why I never got call from second manger