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

I have been banking with Citibank close to 28 years. I have basic needs as a consumer and Citibank met my needs. Last year, I opened a few Certificates of Deposit for $ XXXX each with different maturities, yielding close to 5 % interest per annum, with no penalty for early redemption. This year in XXXX, XXXX of those CDs were renewed at half the interest rate and the new terms have penalty for early redemption. After contacting my Citibank advisor that I do not wish to keep these CDs at the revised terms. She told me that there is nothing she can do about the renewal ; there will be penalty if I were to terminate the account prior to maturity as these terms were in the fine print. 

I'm appalled. 

Just imagine if a landlord were to auto renew a tenant 's rental agreement ( living on month to month lease ) for another year at twice the rent with penalty clause to terminate the lease before the term. 

I'm unable to upload the documents right now but will find the CD contracts issued by the Citibank last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and there were Three XXXX XXXX inquiries and one XXXX XXXX XXXXnquiry. I do not know if accounts were opened. I contacted all parties involved and have been told the fraudulent inquiries would be removed and as of this complaint filing the inquiries remain. Identity theft notice and police report enclosed with complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion failed to provide my credit report when requested then claimed that they had done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is governed by 15 USC 1681 And they violated my right numerous of times.

I demand the accounts listed below be remove because.

According to 15 USC 168 : I have the right to privacy and 8 didn't give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX, XXXX XXXX 'S XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX AddressXXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX AddressXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit card

On XX/XX/XXXXXXXX  I mailed a certified letter to Discover Financial Services. The letter explains the inaccurate reporting on my consumer report. Discover provided a 1099C for tax year XXXX. I submitted the 1099C as income when I filed taxes for XXXX. 1099C is a cancellation of debt. According to IRS publication 4681 a charge off is defined as gross or ordinary income. Income does not get reported on the consumer report which in fact makes the reporting of this account on my consumer reports inaccurate. I requested the deletion of this account from all my consumer reports due to 15 USC 1681s-2. Discover responded with a letter dated XX/XX/XXXXXXXX  stating their reporting of the balance and account as valid. Discover also mailed a packet of statements reprints that I did not request ( dated XX/XX/XXXX ). Discover Financial Services are reporting inaccurately.
Product: Credit reporting or other personal consumer reports

Consumer Portfolio states the car was repossessed in XX/XX/year> that is a lie also the act is over 7 years old an should not be on my credit report asking to. Be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts with the credit company on XX/XX/2018,XX/XX/2018/,XX/XX/2018,XX/XX/2018 and reporting agencies XXXX, XXXX, TansUnion, they fail to verify the accounts under the FCRA SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) also 611 ( 5 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit bureau has violated the FCRA AND CONSUMER LAWS by never deleting inaccurate ; multiple wrong last active dates, wrong amounts, wrong status, wrong opening date wrong date of last payment, and EVEN UPDATED CHARGE OFF STATUS ACTIVELY EVERY MONTH! LAST ACTIVE DATES ARE GROSSLY INCORRECT AND EVEN ACCOUNT TYPE. 
I have corresponded and begged for 4 months and they continue to ignore all of the proof I have attached here. 
XXXX has continued to report these false items as true on my credit report instead of deleting these numerous accounts as the laws state. 
XXXX XXXX  accounts Capital One accounts and XXXXXXXX XXXX WHICH HAS BEEN PAID TO XXXX ON XX/XX/23 This continues to destroy my interest rates, ability to have a vehicle, or buy a house on my fixed income of XXXX I need the credit to be correct and its only right to do so.
Product: Credit card or prepaid card

This bank has me on ROBO automated dialing system, harassing me everyday when I specifically called them and told them I was going through a hardship due to COVID 19 on top of medical issues I can not disclose. Every month they are increasing and adding fees to my credit card. I have always payed off my debt at this time I need help. This company has not done anything but continue to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and upate these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP as this very exhausting. Nobody wants to grant me a load because of this. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX, I looked at my credit report because my rental lease was up and I had to move. The loan company stated that I had not paid on my auto loan for 4 months which was not true and impacted my credit score and caused me to become temporarily homeless. After several calls to have it corrected, I was told their customer service department would contact me and they never did. Filed complaint with XXXX  on XX/XX/XXXX and they still partially fixed the discrepancy. I also noticed that they were showing a balance on my loan of {$14000.00}. The vehicle cost was for XXXX used XXXX XXXX at price of {$17000.00} with interest rate of 22+ %. I have paid {$13000.00} and could not understand why I still owe almost the price of the entire car and why none or very little of the payments that I made were applied to the principal loan but all to interest. For 10 months of the loan {$440.00} was applied to interest and {$0.00} to principal. I contacted customer service via email on XX/XX/XXXX and received a response that I would hear from them in a few days. They never responded so I filed a complaint with BBB on XX/XX/XXXX. On XX/XX/XXXX the XXXX informed me that the company received the complaint. On XX/XX/XXXX, they repossessed the vehicle before anything was resolved. I filed a XXXX complaint to the XXXX  on XX/XX/XXXX about the repossession. On XX/XX/XXXX, I received a response from the company through the BBB response portal stating that the vehicle will be sold at auction and I can get it back but must pay the full price due {$11000.00}. They sent me a letter and the contract that I signed in XXXX when I purchased the vehicle. I have financed and paid in full with no event, 2 other vehicles through other loan companies and at the time of the signing, I looked at the cost of the vehicle and the interest rate and signed. I do not feel that this type of lending should be legal. The company will now be asking for the remaining car balance of approximately {$3600.00} + {$11000.00} + the cost of repossession and other costs. I looked at several review websites and found there are so many people who have been taken advantage of by this company. Please do something about this so that no one else have to go through this and I hope it helps others as well. The economy is too tight and there is no way I would have knowingly paid {$31000.00} for a XXXX XXXX XXXX. Thank you for reviewing my complaint. This will now impact my credit for the next 7-10 years well into retirement. Not fair, not just and immoral.
Product: Checking or savings account

I am unable to use phone on file as verifier and receive a code via text message as it was before
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts : XXXX. " XXXX XXXX XXXX '' Account Number # XXXX ( Original Creditor : XXXX XXXX ) XXXX. " XXXX  XXXX XXXX XXXX  Account Number # XXXX ( Original Creditor : 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 an account without my written instructions.
Product: Debt collection

Collection Company ( National Credit Systems ) reached out to me regarding an old apartment complex debt that they say I owe allegedly. When I requested a copy of the original lease agreement, I was sent a fraudulent document and signatures. The lease agreement that was presented to me has a signature date of XX/XX/XXXX but according to the Financial account statement that was presented along with the fraudulent lease shows that I moved in on XX/XX/XXXX and that I moved out XX/XX/XXXX with a lease expiring on XX/XX/XXXX. This company has clearly violated my rights as a consumer by not being able to validate the alleged debt and by secondly falsifying information.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth XXXX XXXXXX/XX/XXXX This complaint has been submitted to the CFPB XXXX request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion, XXXX, and XXXX block the fraudulent information on my consumer credit report within four business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following accounts : An auto loan opened with XXXX XXXX on XX/XX/XXXX A bankruptcXXXX XXXX XXXX XXXXiled on XX/XX/XXXX These fraudulent accounts have led to several unauthorized hard inquiries and collection items appearing on my FICO credit report. I have attached a copy of my FICO credit report from TransUnion that reflects these fraudulent accounts. 

I do not recognize any of the accounts, collections, or hard inquiries listed above, as they were not opened, initiated, or authorized by me. All these items are the result of identity theft and fraud. Enclosed is a copy of my FTC Identity Theft Criminal Complaint ( # XXXX ) as evidence from the Federal Trade Commission confirming that the accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

In XXXX of 2021, GoodLeap/LoanPal mistakenly backdated a solar panel loan. This was resolved through XXXX  complaint XXXX. 

GoodLeap has now filed a delinquent report over the same period where they were erroneously demanding payment that was not owed. 

An attempt was made to contact GoodLeap to correct their erroneous report. Their representatives refused to take any action, and merely suggested that a dispute should be filed with XXXX XXXX XXXX', which is neither a solution nor possible for a consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a notification from XXXX XXXX that I had a new inquiry on my XXXX report from Wells Fargo Card Services. I reached out to Wells Fargo and they stated that they did not have any active applications in my name. I am a Wells Fargo customer and do have a credit card with them, but I have not applied for a new line or an increase with them. I have not applied for any new credit lines since late XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX ( Original Creditor : XXXX CHARTER XXXX ) XXXX Balance : {$1200.00}, XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$310.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$950.00}
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION BREACHED THROUGH AN EMPLOYER AND XXXX, I WAS ADVISED THIS WAS REPORTED TO AUTHORITIES. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

NOT ONLY DID I NOTICE FRAUDULENT ACCOUNTS, BUT ADDRESSES AND CREDIT INQUIRIES I HAVE NOT AUTHORIZED DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE AUTO FINANCE Date Inquired :XX/XX/XXXX I received an alert from my credit monitoring company on XX/XX/XXXX and was informed that an inquiry has shown up from Capital One Auto Finance. I have not and did not authorize any applications with Capital One. I do not have any records of inquiring for an auto loan with Capital One. I called capitol one and they did not have an application on file for me name. I contacted bureaus and placed a 90 day freeze on my account and I also filed a police report for fraud activity. If you have any questions please contact me at XXXX. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed items and remove them if unable to prove that the Items are mine. Experian is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged account. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on the phone with equifax on the XXXX of XXXX for 3 hours because something in my credit account was incorrect. 3 hours later i came to the conclusion that my date of birth was incorrect. since i turned XXXX i havent seemed to be able to establish credit or get a credit car because someone put in the wrong date of birth
Product: Prepaid card

I purchased a {$100.00} Vanilla gift card from Incomm Financial Services Inc. the card was properly activated, the funds are showing available but the money is locked up and the card has been declined everywhere, both physical and online stores. Ive contacted the company and they emailed me the card will work. I tried multiple stores and its still being declined. They LIED! They think I will give up so they can keep my money but I will not give up. There are XXXX, XXXX and XXXX groups FILLED with people who have been scammed by this company. There are multiple class action lawsuites against this company. I want my money back now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening I have disputed and successfully got 3 collections removed from XXXX equifax and XXXX, but they keep reinserting and posting inaccurateAND incorrect info to my report. 

From the debt collection XXXX for amount of {$520.00} and {$240.00} XXXX XXXXXXXX XXXX {$310.00} medical I've had these removed from XXXX successfully because of inaccuracies, incorrect reporting dates, balances and codes, that the bureaus have not reported correctly and lied about validating and verifying, also XXXX will not remove incorrect addresses from my report and names and numbers!! transunion and equifax have updated majority of my info, global lending services closed account was removed and reinserted! 

these accounts have so many inncuracies and are severely affecting my financial life, XXXX, and XXXX XXXX 
I have sent in letters asking for original statements, signatures, bank account info and have been ignored. and they try to sneak and insert info without informing me and providing documentation to support their claims! please help me hold them accountable for their inaccurate reporting the FCRA says It has to be 100 % correct and I promise you it is not!
Product: Mortgage

This company has literally send me a correspondence letter as of XX/XX/2020 threatening me. As I do believe is a threatening. 

I have communicated with loss mitigation department not so long ago las week and I spoken to a guy and told him about my situation and concerns, I also told him That it was my priority to keep my home and that I was very sorry that at this time I was going through a tough situation as I am a Victim of fraud and the process ins delaying a little longer than expected but will soon be all finished and resolved in the name Of God because this is very stressful and all I care about is my home and to keep making payments to my home and avoid any demand letters or legal problems and it is my priority to keep my home and get Caught and current as soon as this mess finishes as soon as this fraudulent activity finishes and Its investigations is all clear and done. And for the bank to credit me The remaining amount to my account ASAP. 

Stop The threatening as is no good for my health as Im already a senior.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX account number 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for XXXX  purpose.
Product: Debt collection

This bill was already paid and it was set up as autopay. 
I dont see any amount I still owe from XXXX XXXX they have to send this to the collection! If I was paying them through autopay! 

I am trying to build my credit to buy a house! Then this happened! So my credit score will definitely go down!!!! 

If I have a lawyer I will sue them!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this concern.

Back on XX/XX/2010 I found a house at XXXX XXXX XXXX XXXX XXXX with a for rent sign in the window. I called the number XXXX  and a guy answered by the name of XXXX XXXX  and advised me he was with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that I could obtain the property if I could fix the home to suitable to live in and pay XXXX down and XXXX a month until I reach XXXX for the deed to be transfer in my name or I could opt to rent the home. Well it sound like a great idea at the time due to my living situation. So he forward me an application I completed it and he sent a notary to me to sign a contract then I sent him XXXX and I paid XXXX  for a few months then I went to call the number to ask some questions it was disconnected. Then I started receiving letters from different loan servicing companies. So I started to do some research online and found out it was a scam the taxes were not being paid and the contract was never filed with the state of XXXX as a land contract or anything. I started to read online reviews and it said to just follow the lender so as I am getting letters from different loan servicing companies which was about five I believe telling me to pay. I just started to pay seeing as if I just spent XXXX to fix up the home. Then the amount change when it went to XXXX XXXX XXXX XXXX aka XXXX XXXX so I stop making payments and been trying to fight my way out of the home with my good name in tack. Out of all the loan servicing companies who were collecting for whoever this lender is only one has reported to my credit bureau which is XXXX XXXX XXXX aka XXXX XXXX  they had reported this is a conventional loan mortgage, and it is close due to transfer with a XXXX  balance. I am in the market to try to obtain a rightful loan with a bank and I can not get any assistant from the XXXX HOUSING FINANCE AGENCY. Because its reported on my bureau I have a mortgage. Theres no deed with my name on it from the state of XXXX, I have no rights to obtain anything. This is fraudulent I have contacted an attorney who told me to move and walk away. But how can me when its reported to my credit report as if I had a mortgage. I been in contact with sortis financial and they will not remove this from my report they just keep giving a explanation its close as transfer to another lender who has not reported and told me to walk away. I keep disputing this with the credit bureau and only XXXX has removed the remark. Equifax and XXXX  will not remove this remark. Please advised