23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXX-related debt bondage, which qualifies as XXXX  under the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXX XXXX balance : {$2000.00} acc # : XXXX XXXX XXXX  balance : {$16000.00} acc # : XXXX
Product: Credit reporting or other personal consumer reports

I have addressed this dispute on XX/XX/1925 with Eqifax, XXXX, XXXX and to no avail neither have resolved this after receiving my documents. Which is why I'm attaching this complaint as told by the credit bureas
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I contacted my bank, Citibank, online to make a money transfer from my Citibank Accelerate Savings Account ( account number XXXX ) to the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX account number XXXX ), with its branch office in my hometown of XXXX, Tenn, XXXX. 
When I called the Citibank consumer assistance phone number, XXXX, I was transferred to a Citibank customer service representative ( who I later learned was XXXX XXXX, working out of Citibank 's customer service office in XXXX XXXX, Texas, XXXX area. I explained that I wanted to transfer all of my funds from my Citibank accelerate funds ( balance of {$170000.00} ) to my XXXX XXXX XXXX account. She said she could handle the transer and wanted to know I wanted to transfer the funds through XXXX, explaining that XXXX was a national firm that made it easier to transfer funds from one financial institution to another financial institution. But she fraudulently attempted on XX/XX/2021, to transfer seven transactions to a private person named XXXX XXXX and another XX/XX/2021 transfer of {$20000.00} to a person named XXXX XXXX. I got all the transfers cancelled except one for {$160.00} to XXXX XXXX. Citibank in a letter to me on XX/XX/2021, acknowledged the possibility of fraud in these transactions and indicated they were doing an in-house investigation. Due to Citibank 's hundreds of offices and thousands of employees and complex online sites I was never able to determine the outcome of this investigation, though the Citibank employee XXXX XXXX had committed several apparent fragrant counts of fraud and attempted fraud. 
I have subsequently changed my Citibank accelerator account to a Citibank checking account ( account # XXXX ) and removed the bulk of my fund.
Product: Debt collection

Someone used my information to open accounts at XXXX XXXX XXXX XXXX XXXX and now they sent my information to a collection agency who has harassed me into paying money on a fraudulent opening account, Ive filed complaints with them and the XXXX, they refused to correct this and went ahead and reported this to my credit!! This account was allowed to be opened even though Ive a fraud alert and frozen my XXXX, they still opened it and allowed transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX First Progress accounts showing on my report, when I reached out to First Progress to understand this, I received info back from XXXX XXXX XXXX. I pulled an updated credit report and found that the First Progress Accounts were not reporting as disputed as required by law.FCRA section 623 states that a Creditor must report an account as disputed to the XXXX Credit agencies. The FDCPA 807 ( b ) states that a debt collector must report an account as disputed when it receives the notice. The account has not notations of being disputed by the cinsumer
Product: Debt collection

I am submitting this complaint because I am being extremely affected by a late payment reported on my BARCLAYS BANK DELAWARE account. They are being completely unfair and I dont know how to get ahold on them but through this portal. 
By the end of XXXX, I Had travelled to TX after renting car to see my wife during Covid. I was stuck there since my wife fell XXXX Later I tried a few times to make payments but would be on hold forever and I had limited internet access and didnt have access to mail. 

I got a {$10.00} charge, a {$30.00} late fee, and a 30 days late payment for XXXX on my report. 

I want to express that beside the XXXX  situation, I have suffered a big impact in my credit score and I have lived one of the worst periods of my life. 
since this was a situation that I could not control. It was my wife XXXX, the limited internet access and the emotional stress that I was going through that stopped me from making my payment, not a hardship or even worse, that I didn't want to pay. 
I requesting the late payment removed the following account : Account Name : BARCLAYS BANK DELAWA Account Number : XXXX Opened Date : XX/XX/2015 High Balance : {$1200.00} Balance {$42.00} Please sed the attached proof of car rental. 

Thank you.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 1 late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXXXXXX ) : ( Account Number : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

EXEPRIAN MADE A MISTAKE ON THIS DATE AND FAILED TO FIX THE INFORMATION. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX LIST GOES ON I ASK EXPERIAN TO SEND ME FACTUAL INFORMATION OR CRETIFIED INFORMATION ABOUT THIS ACCOUNT. 
EXPERIAN NATIONAL CONSUMER ASSISTANCE XXXX XXXX    XXXX XXXX TX XXXX The account number XXXX XXXX XXXXXXXX I NEED THIS ACCOUNT DELETED FROM MY CREDIT REPORT TODAY NOW! THE ONE FACT I DO KNOW IS ALL CREDITS REPORTS TO ALL THREE CREDIT BUREAUS. THIS ACCOUNT DOESNT SHOW UP ON XXXX OR XXXX  AT ALL IT WAS DELETED AND  REMOVE BACK ON XX/XX/XXXX ON XXXX  WASNT ABLE TO VERIFY KNOW OF THE INFORMATION THAT WAS PROVIDE BY THE CREDIT CARD COMPANY IT WAS INCORRECT. XXXX  REMOVE IT FROM MY ACCOUNT ON XX/XX/XXXX THE ACCOUNT WASNT MINES AND THE FILE WAS INCORRECT ON ALL LEVELS. 
I ASK EXPERIAN ON XX/XX/XXXX SEND ME SOME FACTUAL INFORMATION LIKE A TRUE AMOUNT THAT I OWE OR AMOUNT THAT THE REAL COMPANY HAVE ACECSS TO. THE LADY NAME MS. XXXX TOLD ON XX/XX/XXXX AROUND XXXX THAT WAS NOT A LIBERTY TO DISCUSS MY EXPERIAN CREDIT FILE WITH ME SINCE MY NAME WAS SPELLED WRONG AND I SEND THEM A CREDIT PROFILE UPDATE 5 TIMES XX/XX/XXXX AND XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX THEY LOST ALL MY INFORMATION DELIBERATELY.

WHEN A COMPANY KNOWS A CUSOMERS IS CORRECT AND HAVE ALL THEIR FACTS IN ORDER, EXPERIAN ALWAYS WILL COPY AND PASTE THE SAME REPSONES OVER AND OVER AGAIN ( THAT IS THERE STALL TACTIS THAT EXPERIAN USE FOR THE LAST 15 YEARS AND MORE TO COME THIS IS THE ONLY INFORMATION SHOULD SHOW ON MY CREDIT REPORT IF THEY FORGOT
I WILL SEND ANOTHER DRIVER LICENSE / SOCIAL SECURITY CARD COLOR PRINT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX Account number XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

A company called Nelson, Cruz and Associates called me and said I had a 6 year old debt that if I didn't take the settlement offer they would sue me and take me to court in my home county. 

I have nothing from this company in writing stating anything about an old debt, just a phone call threatening me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent my first request of my report and requested a Security Freeze to SageStream , LLC, by Certify mail # XXXX XXXX XXXX XXXX XXXX. SageStream , LLC didn't respond, taking the holidays under consideration the fact that I didn't received a response I send them a 2nd request on XX/XX/2020 by certify mail XXXX XXXX XXXX XXXX XXXX, request that was also ignored, then I proceed to make a few phone calls and left several massages in regards to my request until this day no response have been received nor the report and or a freeze on my account have occur. The dates that I called and left mssgs were XX/XX/2020 - XX/XX/2020.
Product: Checking or savings account

Dear CFPB, today I received a letter in the US mail, supposedly from CHASE. The letter told me that they had not opened the account I requested. I had not requested that CHASE open an account. 

The letter listed two credit reporting firms, XXXX and XXXX, and directed me to call them if I had questions. I dialed one of them to ask what was going on, but thought better of it when I was asked for information.

I called CHASE customer service. They were pleasant, but directed me to stop by my local CHASE branch with the letter and my ID. I don't particularly want to go there, as I am staying home to avoid COVID.

I think this letter is an attempt to get financial information from me. It is not on CHASE stationery - it is a black and white printed letter. It is dated XX/XX/2021 ( today is XX/XX/XXXX ). I would be happy to send you a photo of the letter and envelope if that would be helpful. I am not aware of any problems with my identify or my actual bank accounts, but I thought you should know about what appears to be an attempt to commit fraud. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX
Product: Debt collection

Credit coll/ usa is reporting inaccurate information. Did not receive written documents in the mail to prove i owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few years, XXXX began reporting that my loan was charged off when I actually paid it off. They reported to XXXX. XXXX corrected the issue on 2 or 3 occasions with oversight from Texas XXXX.

I was denied credit today as XXXX is reporting an XXXX foreclosure and negative in city from XXXX. I have never heard of XXXX.

I need this matter corrected immediately.

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

KIA MOTORS FINANCE Is on my report with a delinquency. I do not own and never have owned a Kia.
Product: Credit reporting

I did not authorize any of the hard inquiries on my credit report initiated XXXX/XXXX/2016
Product: Credit reporting

I have a freeze on my credit report which should help prevent identity thief, but Transunion continues to allow inquiries into report. I have put a freeze on my report and alerted Transunion of the identity theft, but their response is always negative. Recently, I requested the removal of inquiries that were n't authorized by me, but Transunion refuses to remove it.
Product: Checking or savings account

I had an existing " XXXX XXXX '' account with Capital One and it has come to my understanding that they created a similar new savings account in XXXX  with a deceptively similar name called a " XXXX XXXX XXXX '' account with considerably more APR. We were never notified that there was a distinction between these XXXX similarly sounding accounts. My old XXXX XXXX account had an APR of XXXX and the new XXXX XXXX XXXX account at XXXX APR. Had I been informed by Capital One that these were not the same APR yielding accounts, I would have moved my money sooner to the higher yielding account. I had about {$7200.00} in the older account which they advertised at the time as a great rate. It was a great rate at around 4 % at the time I opened it. When the market interest rates started a down turn, the savings account automatically adjusted downward, understandably. I assumed that when interest rates started increasing that the savings account would have automatically adjusted with an increase in APR. What Capital One did was keep the existing account holders at the low XXXX APR and offered a new XXXX XXXX XXXX account, again to highlight, with a deceptively similar name at a 4.35 % for new customers. I believed that the rates would have fluctuated with the market as they went up just as they went down with market rate changes. As it stands now I have been getting approximately {$4.00} per month in interest when the new XXXX XXXX account would have yielded approximately {$26.00} per month in the year of XXXX. This is a loss of {$21.00} per month in interest to which I claim Capital One was well aware of when they created the deceptively similar account in XXXX and failing to properly inform account holders of the distinction between the very similar savings accounts. There should have been an automatic adjustment upward in interest rate just as they automatically adjusted downward. If there is any reconciliation of this matter, I would want to be advised.
Product: Debt collection

I had been tricked with a car from XXXX, I was taken advantage of. We had the car repossessed so the car was sold at an auction. The problem was that I was owed some money after the auction by XXXX around {$1600.00}. I made payment arrangements to pay that. I was agreed with {$600.00} off the remaining amount owed to XXXX because of tax exception. So I did the payments to XXXX every month until it was resolved. When I log onto the portal I see that the account was paid in full from XXXX  account portal so my not understanding is why there is a debt collection called the Constar Financial Service, LLC sent me a letter saying that I owe them {$420.00} when this account was already paid. I was agreed upon not paying the tax from XXXX. This is full on XXXX I am not contacting them because they will record and cheat to make it look like I owe the debt when its already resolved. I am not writing to them because they would do the same. This has happened to me before, I dont trust these collection people cheating tactics by making me verify myself. I dont own the car so why should I keep being making payments. I just had my job loss from a laid off and Im waiting to be working again. This is XXXX it is unfair and its terrible practice.
Product: Debt collection

focused recovery XXXX XXXX XXXX didn't take it off my credit report and i dont owe XXXXXX/XX/2015 and the account was closed it has not been removed from my credit report. also i had to send complaints to the XXXX in XXXX va cause another company XXXX  closed the account but XXXX XXXX  is asking for the XXXX XXXX turned it over to another collection agency and i sent the paperwork to the XXXX  cause XXXX still wants there money so i need u to please take care of the this for me i talked to XXXX XXXX  and they keeper telling me i owe and they were nasty on the phone with my wife so nothing has been resolved yet and i tried find the feed back on my complaint before u close it
Product: Student loan

On XXXX/XXXX/16 I received a letter from the collection company stating that they would settle the student loan debt by setting up monthly payments of {$250.00} per month for 550 months or until the debt is paid in full. Part of the agreement was that after the 3rd on time payment they would reduce the interest rate on the balance of {$130000.00} from 8 % to .001 % for the remainder of the payment terms. I called the collection company on XXXX/XXXX/16 @ XXXX to accept the terms and set up automatic payments from my checking account. The first payment was to come out on XXXX/XXXX/16 which it did. Then I had another payment come out on XXXX/XXXX/16. However I did not have a payment come out for XXXX/XXXX/16. When I called on XXXX/XXXX/16 to inquire as to why no payment came out, they stated that the account had been recalled by the creditor ( XXXX ) on XXXX/XXXX/16 and then resent to the collector ( Allied Interstate ) on XXXX/XXXX/16. This process caused the original account number to be cancelled and a new account number to be issued. It also caused the automatic payments to be cancelled. I attempted to call the collection company on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, & XXXX/XXXX/16 to try to resolve this matter and have the collector reinstate the original payment agreement. On all of the above dates I asked for a member of management to assist with this issue. I talked to XXXX XXXX & XXXX XXXX whose titles are Vice President of Operations. Neither XXXX of these people were willing to reinstate the original terms of our agreement or contract. I made the first two payments totaling {$500.00} for nothing. The collection company also refused to correct the calculated interest per the agreement so that the rate would reduce to .001 % effective XXXX/XXXX/16. Since XXXX/XXXX/16, I have been incorrectly charged over {$3000.00} in interest. This is nothing more than a malicious and deceitful collection company and practice and I ask for assistance in holding this collector accountable for their illegal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 

15U.S.C 1681 section 602 A. States I have the right to privacy.

15U.C.S 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

We applied for a loan modification with ShellPoint mortgage. We were approved for trial payments. Three ( 3 ) trial payments. We sent the trial payments an we were sent the final loan modification agreement. We sent it back Shellpoint claimed they never received it. 
They sent us another agreement we sent it back but they would not not accept it unless we gave them 8 more trial payments that totaled on {$20000.00}. We were on trial payments with XXXX 5 different times and each time we paid the trial payments and nver received a loan modification. Now they are foreclosing on our home with a sale date of XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. I was saddened to learn that you somehow verified the disputed item 's, electing to leave them on my report. 


Creditor : XXXX XXXX XXXX In Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  The reports need to be updated to the correct status and information for all XXXX XXXX XXXX accounts. Please update the status as I and the creditor have asked you to multiple times now. The balances are {$0.00}
Product: Debt collection

I filed Bankruptcy XX/XX/2010. I recently noticed a new collection on my credit bureau. I dispute the collection. I started receiving collection notices demanding payment of {$1000.00}. I explained this lease was included in Bankruptcy. U.S. Collections West, Inc. refused to take down my bankruptcy information. I do n't owe it. It 's been over the statue of limitations in Arizona to collect on this and it was included in Bankruptcy. They are reporting to my credit and it not a true debt.
Product: Student loan

While I was able to obtain forbearance from the company a handful of times, that does not help me in the long run. Unfortunately I do not have specific dates for my phone calls with this company, but the lender literally told me there are  0  options for reducing my payment. Payments continue to go up while my income remains low due to losing my job in  XXXX   2016. I  also physically not able to obtain a job in the degree I earned due to a   XXXX   XXXX    on the job. This company refuses to work with me and I am unable to pay the monthly payment.
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. To be unequivocally clear, this account is reporting inaccurately and I do not recall ever being late on a payment. So pursuant to the FCRA, I need you to properly document the investigation which took place and provide me with all the documents which show 100 % complete & verifiable accuracy. Please understand, I dont have any documents in my possession nor do I believe you have accurate information. The manner in which this matter has been handled has been the cause of great emotional distress, mental anguish, and anxiety. So please repair and correct this account : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This dismissal was to be removed. XXXX and XXXX removed this XXXX item.Experian should have this removed but it is still showing on my credit.
Product: Debt collection

On XX/XX/2018 I sent a request to dispute a dent I found that was being incorrectly reported on my credit reports. I requested information proving I owe the debt and received a simple letter head letter from CKS the amount I owe and nothing proving I owe the debt or any signed account information the debt even belongs to me. I requested this information. 

On XX/XX/2018 I sent a second request for the same information requesting signatures and more information from the original creditor being I never received my original letter to dispute this debt prior to reporting within 30 days as allowed under the Fair Credit reporting Act. 

I'm not getting any response to validate or prove I owe the debt.
Product: Checking or savings account

I deposited a check through the mobile app on XX/XX/2023 in the amount of {$3800.00} it is a XXXX check. Chase is stating that the check was double deposited which it wasnt I still have possession of the check. Since I deposited the check chase has restricted my account not letting me access any money in my account for the last three weeks. I have spoke with about 15 different people all with different answers. I also went in to the branch and the branch manager didnt even understand any of whats going on. I have talked with the check issuer and they said the check was cash on XX/XX/XXXX and it is now XX/XX/XXXX and I still dont have access to my bank account.