23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over all 3 of my credit reports and I noticed that there was a few errors and inaccurate accounts listed on my report. Under the Fair and Accurate Credit Transactions act I should have been notified of the changes to my report and giving a proper update.I seen accounts I have never seen or done business with these company. I would like a full investigation into these matters : 1. XXXX XXXX XXXX # XXXX This account is beyond the status of limits please delete.This account was re-aged it has been closed since 2009! 2.XXXX XXXXXXXX XXXX XXXX This account is under a class action lawsuit for Fraud it is a error please delete. The company no longer is in business and this account is inaccurate. 3.  XXXX XXXX XXXX # XXXX This account was already paid in full never late listed as collection paid in full. Error please delete. 4. XXXXXXXX XXXXXXXX XXXX # XXXXHIPPA Act Violation. This account was paid toward the original creditor Dr. Office. There is no need for XXXX XXXX to have access to my personal FEDERALLY PROTECTED PRIVATE MEDICAL RECORDS. I NEVER GIVE THEM PERMISSION TO ACCESS IT. 5.XXXX XXXX # XXXX I have never done business with this company I do not recognize this company. please delete.
Product: Debt collection

I received a Letter from Capital One stating the credit card account has been transferred or sold on XX/XX/year>. this third party XXXX XXXX  XXXX, now have my personal information, this is Aggravated IdenityTheft, its when someone CAPITAL ONE intentionally uses another person 's identification without permission, and then commits a crime using that information.It 's defined in 18 U.S 1028 A.
Product: Checking or savings account

On XX/XX/2023 i saw that i had sent money to a unknown person {$530.00} dollars and i have made a dispute but it got denied even though I said that i lost my phone recently that i never had a single problem with them like this that i also have been a loyal customer and that i don't think they would want to see me leave chime as a customer. I called exactly that same day i saw the email and i even told them since you have all the person 's info call her or do whatever it takes for he/she to send me my money that i never sent that person.
Product: Bank account or service

My paycheck was direct deposited into my account on XXXX/XXXX/15. On the following day, I used Bank of America 's online bill pay service to pay some bills. All of these payments were declined even though the money was processing in the bank. These declines all incurred a {$35.00} charge each including charges from the payees for a declined payment. This should not have occurred because the check was in Bank of America 's possession.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 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 XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following 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
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the XXXX I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I JUST CHECKED MY CREDIT REPORT AND FOUND THIS FRAUD COLLECTION FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS FRAUD COLLECTION ACCOUNT NUMBER XXXX WITH A {$690.00} I NEVER BEEN KNOWN THIS COMPANIES OR NEVER DONE BUSINESS WITH THEM.

I AM A VICTIM OF IDENTITY THEFT AND SOME PEOPLE STILL TRY TO STEAL MY INFORMATION.

DELETE THIS FRAUD COLLECTION FROM MY CREDIT REPORT BY LAW.
Product: Credit reporting or other personal consumer reports

NET CREDIT {$3100.00} XXXX Company received ftc report and keeps trying to make me go to the police. Company hasnt validated debt and its been two months! Only response I got is email no contracts with my signature being signed on this alleged debt. This is hurting my credit terribly. Ive never spoke with company ever and they are lying saying I made payment plans. Ive called their fraud department NO ANSWER. Also this alleged collection debt isnt showing on XXXX!!! Under FCRA ALL CREDIT REPORTS MUST BE ACCURATE AND THE SAME! 
THE COMPANY IS REQUIRED TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AND PROVIDE THE V REQUESTED INFORMATION ATTACHED TO THIS COMPLAINT DUE TO VIOLATIONS UNDER THE FAIR DEBT COLLECTING ACT.
Product: Credit reporting or other personal consumer reports

i have sent in numerous letters asking for these items to be removed off my credit report due to reporting violations FCRA VIOLATIONS FDCPA VIOLATIONS XXXX XXXX XXXX XXXX XXXX XXXX SANTANDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Citibank, through their Citigold Interest Checking Account has failed to meet their end of a promotion which I signed up for their account with. I signed up with offer code XXXX and the offer was for XXXX AAdvantage bonus miles after 1 bill payment for 2 months and {$1000.00} in purchases through my debit card within 60 days. I confirmed this information in a secure message on XX/XX/2015. They confirmed that the offer was active and took my frequent flyer information. I met those requirements shortly after, which I also confirmed with Citibank through messages. Citibank notified me that, as per terms of the promotion terms, the miles would post with 90 days. Well past 90 days, in XX/XX/XXXX, I still had not received the miles deposited into my account, despite having completed the promotion terms in XX/XX/XXXX. The customer service representative launched an investigation and sent me a secure PDF that found after an investigation that I WAS indeed owed miles still. This letter states I will receive my miles within 10 business days. That was on XX/XX/XXXX. My miles STILL have not posted to my account. I have been in contact with Citi, who tell me they will post the next day, but never do, or that they will look into it and call me back and they never do. 

It is clear that Citibank is aware that I am owed XXXX XXXX XXXX miles, have confirmed this through investigation, I have multiple messages and have talked to multiple representatives on phone and chat and yet they seemingly have no intention of crediting them to my account. Every avenue I have explored through Citi says that yes I am owed the miles, yes I met the promotion terms and then they give me deadlines they never meet or intend to meet.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report due to my status as a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that the accounts and inquiries listed below be immediately removed from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$5300.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$0.00} Inquiries to be blocked and deleted : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my Credit Report and notice severe inaccuracies in my account, XXXX ( XXXX XXXX credit card ) # XXXX XXXX  ( XXXX XXXX credit card ) # XXXX Equifax ( XXXX XXXX credit card ) # XXXX Experian ( XXXX XXXX XXXX ) # XXXX Report my name incorrect and address In According with the Fair Credit Reporting Act 15 USC 1681 Section 602 A The personal information inaccurate must be Removed.
Product: Checking or savings account

A grocery store called XXXX has been trying to withdraw {$28.00} from my account yet the grocery order was cancelled by me on their app! Its annoying
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act, the following companies below has violated my rights. 
XXXX. XXXX XXXX  Account # : XXXX XXXX. CAPITAL ONE Account # : XXXX XXXX. XXXX Account # : XXXX 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 an account without my written instructions. 

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

I asked Equifax if I could get the same availability of email that they give the reporting agency. The credit reporting agencies use " electronic '' communication with the reporting agency, but WILL NOT use : electronic " communication '' with the person being reported on. It is not within company policy to allow that. Consumers have to use the Postal System to defend themselves and they have no idea if the information is ever received. Equifax also does no investigation, they simply " electronically '' send a dispute statement to the reporting agency, wait for their reply, and send the consumer a notice that the reporting agency reaffirms their initial report. Instead of requiring proof from the reporting agency Equifax told me to call the agency myself to straighten the matter out. I would like to see the same level of benefit between the reporting agency and the individual being reported on. My dispute took XXXX months and XXXX different case numbers ( per call ) for the same dispute to finally get resolved by ME. Equifax still had it under investigation until I called to verify the item was removed as I had correspondence from the BBB between them and the reporting agency that they would drop the action and notify the credit agencies. I asked for a credit report showing that ... another case file was opened to send me the credit report. This was removed because the collection agency was rereporting old debt that was passed the statue of limitations. Equifax was told on each phone call, but it ultimately took the BBB to resolve the issue. Equifax still would not let me " attach '' a document as you have allowed here.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX i filed for chapter XXXX bankruptcy and have included my Macy 's account that was originally opened in XX/XX/XXXX. In XXXX of XXXX, i had sent all 3 credit reports a dispute regarding this account, due to the original delinquency date being incorrect. The original delinquency date was in late XXXX, not XXXX. I filed for bankruptcy in XX/XX/XXXX. This account is due to fall off of my report.Anyways, after the dispute was complete, i noticed that the original delinquency date was changed to XX/XX/XXXX which was the date of my last dispute! They deleted all the previous dates of all payments made in XXXX, and XXXX, and put a new date of XX/XX/XXXX as the new date of delinquency which is totally illegal! They are trying to re-age this debt for another 7 years when this account is due to fall off this year! They can not due this!!! According to the law, they can not change the date of first delinquency, this account was discharged through a chapter XXXX bankruptcy in XXXX which makes what they did a crime! I am enclosing the discharge papers for the bankruptcy in XXXX, and a copy of my account on my credit report.According to FTC, if there are any inaccuracies that can not be verified, it must be deleted from my credit report! This is a copy from my XXXX  credit report which shows the error.
Product: Debt collection

I have no knowledge of this company or debt. I have contacted this company to verify debt. I have been unsuccessful in all attempts. When I contacted company I was told to pay a fee for more information.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

There is an auto loan in collections on my credit for a XXXX XXXX XXXX financed with Randolph brooks federal credit Union. In XXXX I traded the XXXXXXXX XXXX in for a XXXX XXXXXXXX XXXX through a dealership called limitless auto group. I have my trade in paper work showing I traded the car in. I am not liable for this account anymore and idk why it is on my credit. Ive tried multiple times to dispute this account with XXXX but my dispute gets look over and nothing is done about it as it is still on my credit after being submitted and review and having been ruled against even after providing proof of my trade in paperwork.
Product: Credit card or prepaid card

i logged into my Lowes credit card account on XX/XX/2023 to see when and if a payment was due on my account. It was paid in full until recently and was not sure if the few purchases I made were due in XXXX. I was leaving for a trip to NY to deliver my recently deceased spouses ashes to his sister for a final resting place. At that time there was XXXX {$0.00} due and no due date reflected so it wasn't until I returned home and logged into my account to see when the next due date was and what was my available credit limit and found that Lowes/Synchrony Bank is now claiming that my payment is past due! In addition they lowered my credit limit and I was never late any time before. I received no warning of anything due or past due nor was I informed of a credit line decrease. I planned on using my credit card to purchase a new electric water heater as my gas one has become a safety issue and now I am unable to do that. In addition, I contacted XXXX by phone and was outsourced to someone who could not understand me and was of no help. I explained that no payment was due when I accessed my account on XX/XX/XXXX and how could I be past due if no payment was due in XXXX? I also wrote an email to corporate and have had no response. We have a military veterans account and for XXXX to do this is wrong and unfair and people need to be aware of tricky billing and unfair credit line reductions. They also send me daily texts saying to pay at once even though i told them on the phone it would be paid by the XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

My payment record demonstrates consistent punctuality with XXXX instances of tardiness. I demand prompt evidence substantiating this alleged late payment, as my consumer protections are being infringed without it. Per 15 U.S. Code 1681s-2 ( a ) ( 2 ), information furnishers must promptly correct or update data upon discovering inaccuracies, incompleteness, or changes affecting accuracy.
Product: Money transfer, virtual currency, or money service

I tried to pay someone and it was never received i it was to the wrong person I called my bank and tried to stop it I think it was like {$200.00}
Product: Credit reporting or other personal consumer reports

EQUIFAX is violating my consumer rights. They are fraudulently letting XXXXXXXX XXXX XXXXXXXX XXXX, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on EQUIFAX for failure to investigate as I'm a federally protected consumer. I will also be reporting both EQUIFAX and XXXX XXXX XXXX XXXX to the IRS filling out form XXXX A information referral for unreported income since EQUIFAX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX I attached proof that XXXX XXXX XXXXXXXX XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these XXXX companies have caused. I know that XXXX XXXX XXXXXXXX XXXX pays EQUIFAX to report inaccurate information and EQUIFAX refused to give me a fair investigation for their financial gain
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I have no idea why theyre there. I regularly check my report, but this time, I noticed discrepancies that werent there before. I even refreshed the browser, thinking it might be a glitch, but the issue persisted. I am requesting a thorough review of the documents I submitted to ensure this problem is resolved immediately so I can put my mind at ease.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed there is some unauthorized and inaccurate accounts on my credit report. ( Debt recovery solutions ) is removed off my transunion report but still reporting the inaccuracies on my XXXX and Experian report. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. FCRA section 605b Law 15 U.S.C 15 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

TITLE 15. COMMERCE AND TRADE 6802. Obligations with respect to disclosures of personal information, 15 USCS 6802 ( a ) Notice requirements. Except as otherwise provided in this subtitle, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 503 [ 15 USCS 6803 ].

( b ) Opt out.

( 1 ) In general. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 504 [ 15 USCS 6804 ], that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise ... Account : ( Debt Recovery Solutions ) Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX - This complaint concerns EQUIFAX only. 

The problem is that current EQUIFAX credit reports do NOT show complete public record information. Neither the annual credit report nor the EQUIFAX site XXXX XXXX XXXX reports show the discharge date XXXX bankruptcy ) nor tax lien status ( release ). 

Despite discussions with EQUIFAX consumer reps, could not get any report showing the current status on the bankruptcy nor the tax liens. EQUIFAX staff could not explain why the information was accurately reported in previous reports. There was no accountability for incorrect and potentially derogatory information being propagated by EQUIFAX. I talked with 2 representatives who could not explain why the information was not showing up on the reports - nor would they do anything to correct it. I requested the supervisors supervisor and waited on the phone for 40 minutes without a human response. The number I called was XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX - EQUIFAX reported public record information completely. Discharge and tax lien status 's were accurately reported in credit reports. 

XXXX/XXXX/XXXX - EQUIFAX reported public record information completely. Discharge and tax lien status 's were accurately reported in credit reports. 

XXXX/XXXX/XXXX - Filed dispute on XXXX with EQUIFAX. EQUIFAX did not have up-to-date information about XXXX tax lien status ( released ). EQUIFAX investigated, agreed with my information and updated their report.