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

Late XX/XX/2023 a bank ( Citibank ) called me to find out if I had applied for a credit card. I told them that I did not apply for a credit card. They told me that they would not approve the card and asked that I file a report with Identitytheft.org I filed a report with XXXX XXXX XXXX XXXX mobile account also alerted me that there were recent Hard Inquiries on my credit for credit cards or accounts that I didn't apply for. 
I also found out through my work that there was a breach with our personal information through an insurance company called XXXX XXXX XXXX last year and that we could get free credit report surveillance through a company called XXXX. 
I then filed an account with XXXX ( phone number is XXXX XXXX XXXX ). 
They asked that I freeze all of my accounts through XXXX, XXXX, and XXXX. I went ahead a did that. 

When I called XXXX to request that the hard inquiries are removed from my credit report, they asked that I file fraud with either my police department or with FTC.gov. 

When I went to the FTC.gov website, it brought me to this website to make my report. 

I would like to have the following hard inquiries removed from my credit report as XXXX are fraudulent : XXXX XXXX Don't know what bank this is ) XX/XX/2023 ( Shows up on my XXXX XXXX account ) Citibank NA, XXXX XX/XX/2023 ( XXXX doesn't have this listed but it shows up on my XXXX XXXX account ) XXXX  Card service XX/XX/2023 ( XXXX has the date listed as XX/XX/2023 XXXX Card services XX/XX/2023 XXXX XXXX Bank XXXX XX/XX/2023 XXXX
Product: Credit reporting

I have been the victim of on going ID theft and have sent documents and a police report to Transunion asking for the following fraud info to be blocked and or removed. 
1.XXXX Credit Card XX/XX/2016 XXXX Credit Card XX/XX/2016 XXXX Credit Card XX/XX/2016 As to date Transunion has not corrected this problem .
Product: Credit reporting, credit repair services, or other personal consumer reports

I WOULD LIKE ALL FRAUD ACCOUNTS REMOVED FROM CREDIT REPORT
Product: Checking or savings account

While i was on my phone managing some personal information i received a notification saying such person called XXXX was registered in my XXXX account and took out XXXX XXXX dollars off of my chase account, which led me to call chase regarding what had happened and while i was on the phone with them i received another notification regarding XXXX being registered once again and he took XXXX XXXX and XXXX XXXX dollars this time. Its been weeks where ive been calling to check the status and they have been declining my reports for some odd reason. This money thats currently gone was money i need to pay fir school and other necessities i have to buy. Im trying to get it back as i never authorized those payments. Ive got no clue whom XXXX is, let alone send him those big amounts of money. Id greatly appreciate it if you guys could help me recover this stolen money from my account which is very important to me for bills, Thank you.
Product: Checking or savings account

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX incurred overdraft fees totaling {$140.00} on my account with Navy Federal Credit Union The fees were applied after transactions were delayed in posting or a pending transaction cleared before an expected deposit this not allowing me to be correctly informed of my available funds or misunderstanding on my account balance.
Product: Debt collection

I had a repossessed car with XXXX XXXX that was sold over to cascade. I paid cascade the amount and was promised that it would be reported as paid in full ; it was reported negatively that sent the account to collections on my credit and reported it late once again Ive called both companies. Just to get a we cant help you. The account was paid XX/XX/2018 for {$3000.00}. I receive a paid in full letter.
Product: Student loan

My sister is a student and has bad credit so she asked my wife and I to co-sign on her loan. My wife applied and was rejected. I then tried ( my income is much higher ) and I was rejected. I called to ask how this was possible ( I have a high salary and an XXXX XXXX score ). Sallie Mae explained that it was a hard rejection because of my sisters credit history. I told them that it was not reasonable for them to have me apply for as a co-signer when they knew all along, that it would be rejected. This means i got dinged on my credit score for applying for a loan and I show that it was rejected. Their response was that I should have applied over the phone instead of using the link in the email I got -- they would have told me it would have been denied. 

This is not fair and could easily be avoided if the application process checked the primary borrower first and only solicited the second person if there was a chance of acceptance with the co-signer. The CSR said they wo n't fix it and they would not escalate my complaint.
Product: Bank account or service

Early warning services is reporting inaccurate reports showing that in the past my account such as XXXX XXXX, XXXX New York XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Were updated closed but not in a good standing. All my bank accounts balances were paid to XXXX. There is no balance owed on any of the accounts There not advising of why the accounts were closed accurately. Which is hindering me from opening up a bank account in my name.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2020 Equifax and XXXX has not reported on my credit.
Product: Credit reporting or other personal consumer reports

Recently, I did an Investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Personal Information and old addresses all need to be deleted immediately. 

Following accounts reporting wrong information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( Original Creditor : XXXX XXXX  ) UHEAA/DOE
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I notice inaccurate information reported by EXPERIAN regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off on XX/XX/XXXX and closed. 

EXPERIAN violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1.Delete this account, because this account was charged off in XX/XX/XXXX and reports account type OPEN under the Collection 2.Delete this account, because the Open date is XX/XX/XXXX, on the credit report shows open date XX/XX/XXXX. Incorrect information. 


3.Delete this account, because it reports an incorrect amount. Correct amount is {$2900.00} on the credit report shows {$2900.00} 4.Delete this account, because it shows an incomplete account number. Correct account number # XXXX ; on the credit report shows # XXXX XXXX. Delete this account, because it shows Past Due {$2900.00} a Charge Off/Close Collection Account must show {$0.00} Past Due. 



Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EXPERIAN Credit Report and circled the violations, EXPERIAN violated in red color. 

EXPERIAN must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Money transfer, virtual currency, or money service

I opened an account with Gemini around XX/XX/XXXX. I was able to successfully deposit {$1000.00} prior to submitting documentation to verify my identity. I submitted my identity early XXXX to access my {$1000.00} funds. Prior to verifying identity, a user can not trade or withdraw accounts, nor can a user close their account. Gemini states in their terms of service that identity authorization typically takes between five minutes to two hours. In a worst case scenario, Gemini states they may take up to five business days to verify identity. 

I submitted for identity verification over two weeks ago. I submitted more than ten service tickets, emailed the service desk more than ten times and attempted to call the company several times. I have not heard back from the company a single time. 

Gemini essentially locked my funds in their accounts preventing me the ability to trade, withdraw or cancel my account. They refuse to contact me to help resolve the issue. I am out of options.
Product: Credit reporting or other personal consumer reports

Endorsed notes/ negotiable instruments and paid in full ( check number XXXX, {$250.00}, XXXX ) XX/XX/year> followed up with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX information was received on XX/XX/year>. Registered number XXXX, Registered number. XXXX, Registered number XXXX XXXX form sent in also with documentation Bonds and Security sent with endorsement stamps ( canceled ) I will report fraud with ( Regions ) I also have security interest with documents sent to them. 

Also information copied and sent to XXXX XXXX at US Secretary of Treasury ( Department of Treasury ) XXXX XXXX XXXX XXXX, XXXX  DC XXXX
Product: Vehicle loan or lease

My complaint is against Citizens Financial Group/Citizens Bank On XXXX XXXX XXXX  I made my monthly car payment on time. On XX/XX/, my car was totaled. My insurer XXXX contacted Citizens, and sent them a check to pay off my vehicle. The check received was enough to pay off the vehicle loan with a small amount left over. Oddly, Citizens has tried to include a XXXX payment with late fees, in my payoff amount and they will not release me from this loan. Citizens has attached a XXXX payment that is not valid. Citizens was notified of the total loss before a XXXX billing cycle occurred. I have contacted Citizens multiple times to resolve this issue. Yet it remains unresolved and I am ignored. I have spoken with a Supervisor at Citizens who confirmed that Citizens did attach a XXXX bill with late fees, to the payoff amount. I then sent in all supporting documents to show that I do not owe any payments or late fees. On XXXX XXXX XXXX a check was sent to Citizens, on my behalf, from XXXX XXXX XXXX XXXX XXXX This check was to clear up my past due amount with late fees. The check was in the amount that Citizens themselves had required and requested to clear my past due balance with the late fees. After the payment was accepted, I no longer had a past due amount or late fees with Citizens. I have not been late since Citizens received the amount requested to clear up my past due balance. Yet the following month of Citizens receiving the check, they re-attached the late fees that they had just received payment for. I have every document to support my claim that I do not owe Citizens anything. I feel like I am being bullied by Citizens. They refuse to acknowledge that I do not owe them. They are still billing me to date with a daily rate. They disregard me when I call and tell me to just pay it because they're not taking it off. Citizens knows very well that billing is no longer applicable. Along with the XXXX at Citizens confirming that they did attach a XXXX payment after the total loss. The amount requested ( aside from the new daily rates now being charged ) The amount is the equivalence of 1 payment plus the late fees that they have already collected payment. Citizens has now added a XXXX payment! They will not clear me from this loan nor will they give XXXX the title. Citizens is a big XXXX. I am XXXX XXXX XXXX and I feel like they are trying to wear me down because I am a XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of 2023, I looked at my credit report and noticed that there were quite a few discrepancies. I reached out to the bureaus but they have not assisted in removing these unauthorized accounts on my report. 

Based on my rights with the Fair Credit Reporting Act Section 1681i, I request you to re-investigate for I am disputing the accuracy of these accounts for the following reasons : XXXX XXXX XXXX-Acct # XXXX Is a total loss vehicle that was supposed to be removed from my credit report a while back. 
XXXX XXXX-Acct # XXXX This is completely inaccurate and inaccurately reporting on my report. 
XXXX XXXX-Acct # XXXX I believe this collection is reporting inaccurately. - Please remove it XXXX XXXX -Acct # XXXX This is completely inaccurate and inaccurately reporting on my report. 
XXXX XXXX- Acct # XXXX I believe this collection is reporting inaccurately. 
XXXX XXXX XXXX- Acct # XXXX This is completely inaccurate and inaccurate reporting on my report. 
XXXX- Acct # XXXX have not been given a chance to dispute according to12 CFR 1006.34 ( c ) ( 4 ) ( i ) - The collection agency isalso violating my consumer rights by using false misleading, harassing, and deceptive means.

Under 15 USC 1681-s2 ( 7 ) ( A ) - the collection agency has no authority to furnish any account to a consumer reporting agency without providing any disclosures required by law which they are in clear violation. I request that you investigate this dispute and take the following action : I Request the account be removed from myreport for this is inaccurate information. 

I urge you to handle this matter with diligence and accuracy. 
Please see the attachments below
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken.

I have submitted multiple disputes with supporting documentation, requesting the verification and removal of these erroneous accounts, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my 2nd CFPB complaint about the addresses and names being inaccurate on my creit reports. I have sent several letters to XXXX, Experian and XXXX  and they still have not been updated or removed. 

XXXX  is reporting inaccurate name XXXX, XXXX and also reporting addresses that don't belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX Experian is reporting addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX is reporting addresses that so not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I want all names to be updated correctly and these addresses that I have never lived at deleted from Experian, XXXX and XXXX
Product: Credit reporting

There is incorrect name and address information on my credit report. I was informed of this by Experian and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an HSBC checking account online on XX/XX/2018 after I clicked an advertisement link on their official website. As per the advertisement I was supposed to get XXXX $ welcome bonus, if i maintained a balance of {$1500.00} for 3 months. I maintained the balance for 3 months and then chatted with them, they said it will take 8 more weeks to get paid the welcome bonus. After 8 weeks I chatted with them again and this time surprisingly they said that I am not eligible to get the welcome bonus, even though i met with all the criteria required. The excuse they are giving is false and vague. They are saying that I did not click the right link to open the account and hence can not get the bonus. First of all why there was a wrong link in their official website to open an account? Secondly when I chatted with them for the first time after 3 months, they did not mention anything about wrong link that will disqualify my bonus eligibility. Thirdly after luring the customers about welcome bonus, why they are deliberately singing them up using the wrong link if thete is any such thing at all? Fourthly why am I still getting the false advertisement email in my registered email id given the fact their intention is to cheat the customers?
Product: Credit reporting

I am getting a home loan and it is necessary that Equifax, XXXX ALL DELETE ANY AND ALL DISPUTES FROM MY CREDIT PROFILE. I HAVE ASKED THEM TO REMOVE ALL DISPUTES BY LETTER AND BY TELEPHONE AND THE DISPUTES AND DISPUTE COMMENTS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS PREVENTING MY MORTGAGE COMPANY FROM CLOSING ON MY HOME LOAN. PLEASE SEE DISPUTES HIGHLIGHTED IN THE ATTACHEMENT. I NEED ALL DISPUTES AND COMMENTS REGARDING DISPUTES REMOVED.
Product: Consumer Loan

The issue is that my SUV ( XXXX XXXX XX/XX/XXXX, XXXX XXXX with XXXX # XXXX ), was wrecked on XX/XX/2016 and was declared a total loss. This was paid, mostly by the insurance company of the person that crashed into me. {$11000.00} was paid on XX/XX/2016 by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the other part was paid by my GAP insurance. They made a payment of {$950.00} on XX/XX/2016, of which {$460.00} was for the cancelation of the warranty and {$480.00} was for the cancelation of the repairs. The grand total was {$12000.00}, which they received ; however, to this day the account [ is still open ] and they continue to charge interest as well as other fees without any reason at all. They have yet to apply the credit to pay it off and send us the surplus, which is {$780.00}. My wife and I have contacted the finance [ department ] [ unintelligible ] on countless occasions with no success since the people that assist us indicate that they can only provide the information that is in the system, namely, that the account is delinquent 65 days and that it is affecting my credit. They also indicated that they had XXXX unintelligible spelling, perhaps declined XXXX the payment. I dont understand why, since I contacted XXXX and they advised me that the check had been cashed by GO Financial. They have received the money but even so they keep raising the amount and will not apply the awarded amount to the balance of the account, which is affecting my credit. The balance on the XXXX was {$11000.00}, and they were paid {$12000.00}, which means there was an excess payment of {$780.00} that belongs to me, but I have not received it since they have not handled the account in a legal way. To date they have raised the amount of my account to {$11000.00} without any reason, because they have the money and are affecting my credit, just so they can keep all the money. 

The situation is extremely important and worrisome, since they are affecting my credit and I need a vehicle. I cant purchase another XXXX till they pay off the account, send me my excess payment of {$780.00} and clear my credit. Now this situation is affecting me emotionally.
Product: Credit reporting or other personal consumer reports

I am formally disputing the XXXX XXXX account reported on my credit file. After conducting a detailed review, I have identified numerous compliance issues that do not meet Metro 2 standards and compromise the integrity of this data. Due to these unresolved issues, I am requesting the immediate deletion of this account from my credit report. 

Compliance Issues and Inconsistencies : 1.Inconsistent Payment Status : XXXX and XXXX report this account as Charge-off, while Experian lists it as Unpaid balance reported as a loss by credit grantor. This inconsistency in reporting charge-offs across bureaus violates Metro 2 standards, which mandate uniformity in reporting. If XXXX XXXX can not ensure consistent reporting, this account should be removed. 
2.Conflicting Last Updated Dates : The last updated date for XXXX and XXXX is reported as XX/XX/year>, while Experian shows XX/XX/year>. This discrepancy demonstrates a failure to maintain accurate and timely reporting, further violating compliance standards. Given the lack of data integrity, this account should be deleted if an accurate last updated date can not be verified.

3.Erroneous 2-Year Payment History : The payment history includes contradictory delinquency statuses across months and bureaus. For example, multiple months are marked as Charge-off ( CO ) inconsistently, with other months showing various delinquency levels like 90, 120 days late, or Not Reported ( NR ). This erratic reporting undermines the reliability of this account and fails to meet the standards of accurate, clear, and compliant data reporting. 
4.Irregular Derogatory Events : XXXX lists 30, 60, and 90-day late payments spanning various months, whereas XXXX and Experian do not reflect these derogatory events in the same manner. Such discrepancies indicate a lack of consistent reporting and further demonstrate non-compliance with Metro 2 requirements. Given these irregularities, the account can not be deemed accurate and should be deleted.
Product: Debt collection

At XX/XX/year> I XXXX XXXX, Call XXXX XXXX XXXX to verify purchase agreement. They could no do so, in fact they hung up on me due to my investigation.