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

This is XXXX follow up complaint. I had a issue that was reported to the XXXX XXXX  police dept. I filed a complaint with the FTC over someone using my information to get accounts and loans. Someone recently was able to apply for several loans. I live in XXXX my ID is being used around the country. Please remove the following accounts and inquires : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax fails to remove the XXXX account. Equifax reports incorrectly the date of first delinquency for removal .Equifax reports incorrectly that this account is PAST DUE {$64000.00}. Equifax reports incorrectly that this account is REVOLVING. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX Cancellation of Debt from XXXX.. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Debt collection

On XX/XX/XXXX, I found a collection on XXXX that I don't recognize. They claimed I opened a XXXX XXXX in XXXX, XXXX which never happened. I want to get a letter of validation & a letter of certification. I would like this fraudulent account removed from my credit report asap.
Product: Checking or savings account

On XX/XX/XXXX my wife legitimately withdrew funds at an ATM in XXXX XXXX for an amount of {$400.00} plus {$3.00} atm fee. She was there for several more days and did not make any more withdrawals at any ATM machines and had her card with her the entire time, never lost it or loaned it to anyone. Two days later when checking the account, I noticed that another ATM withdrawal was made that same day for {$500.00} and the following day two more were made for {$500.00} and {$400.00} plus 5 small charges for {$2.00} each for balance inquiry and withdrawal fees. I contacted the bank immediately to notify them that fraudulent charges had been made on the account, so they proceeded to cancel the card and issue her a new one and opened an investigation on the charges. They did refund the money temporarily while the investigation took place. On XX/XX/XXXX they sent me a notice saying the claim was closed and could not be refunded because they deemed that the card was used by her or by someone whom she authorized its use. I called and tried to get answers on how they had come to that conclusion and all they would say was the chip had been read and the correct PIN had been used. I told them that it sounded to me like someone had cloned her card. I asked them to get the video or pictures of the person who made those transactions to prove it was not her. All they did was reopen the investigation for several hours after which I got the same message twice denying the claim. I could not get anyone to have them review the video or pics from the ATM. The only information I have is a name of a vender and a location address. the first one at XX/XX/XXXX was at XXXX XXXX XXXX XXXX XXXX. which may have been near the one she actually used at XXXX XXXX XXXX XXXX XXXX XXXX. The withdrawals and balance inquiries on XX/XX/XXXX were also made at XXXX XXXX XXXX XXXX XXXX. Also there were charges for balance inquiries when she does not need to do since she has online access to review her balance. 
This complaint is because they did not do a full and thorough investigation of the fraud and get the video pictures to prove that it was not my wife that made the withdrawals.
Product: Credit reporting or other personal consumer reports

I am sending this complaint asking for assistance to formally request Credit Bureaus an investigation into the inaccurate information being reported on my credit report. After reviewing my credit report obtained, I have identified XXXX XXXX XXXX XXXX  Balance : {$45000.00}, XXXX XXXX Balance : {$2500.00} that I believe to be incorrect and adversely impacting my creditworthiness. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit bureaus to ensure the accuracy of the information they report. In light of this, I kindly request that they initiate an investigation into the aforementioned account. Please verify the accuracy of the reported information with the creditor and correct any inaccuracies that are identified.
Product: Debt collection

CITI has been calling me at least 4 times a week for the last three weeks. When I call the computer asks me for my credit card number of which I do not have a CITI creditcard then asks for my social security number. 
After many attempts a live person was contacted. they gave me a phone number to call and the number hung up. 
I have never had a relationship with CITI ever.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 a account without my written instructions
Product: Checking or savings account

Direct Express locked my card and I have sent in verification of my birth certificate, social security card, and ID multiple times but they keep sending me back to the SS office. So the SS workers advised me to redirect my benefits to another bank account, so that's what I did but I still have two payments on tmy direct Express card but the Social worker said they couldn't do anything because they already sent the payment to Direct Express.I keep calling DE but they tell me the can't do anything either!! I'm already late 2 months with no help from the social security office or Direct express.
Product: Credit card or prepaid card

On XXXX/XXXX/20, Fortiva emailed me my account has been closed effective XXXX/XXXX/20. I paid off my credit card and requested to close it. On XXXX/XXXX/20, Fortiva emailed me to notify that there was a new purchased activity has been applied to my account. I spoke to Fortiva Credit Card customer service representative and I was advised to submit Fortiva Fraud Affidavit. It was proved that transactions made was fraud. Fortiva never reported to 3 Credit Bureaus that my account has been closed. On XXXX/XXXX/20, Fortiva emailed me RE : XX/XX/XXXX2020 electronic statement is available. When I logged in to XXXX XXXX, I still have access using my username & password. This time the account was opened under my name with different account number. I never authorized Fortiva to open a new credit card account. It says my card has not been activated but I have a current balance of {$25.00} and is due on XXXX/XXXX/20. As I have mentioned earlier, my account has been closed since XXXX/XXXX/20. Fortiva should have been reported to 3  Credit Bureaus my account has been paid off & closed as I requested it. I never authorized Fortiva to open a new account. Fortiva continues to report to credit bureaus my account is open & will have this {$25.00} as delinquent if I did not pay by XXXX/XXXX/20.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

We went through a financial hardship middle of last year until about a few months ago, we requested for capital one to work with us made payment arrangements and they still reported late payment on our credit even after we had set payment arrangements.
Product: Debt collection

I paid a medical bill for my son to  XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX  in the amount of {$350.00}. On  XXXX / XXXX / XXXX , I received a bill from a collection agency for the same amount. I have tried contacting the company by phone to remedy the situation.
Product: Mortgage

The mortgage loan was closed on XX/XX/XXXX, and the remaining amount for closing was paid by me on XX/XX/XXXX to the Titling Company. I was not aware that the Title Company would take 48hrs to post the payment causing the payoff to post to Roundpoint Mortgage on XX/XX/XXXX. This in return caused the XX/XX/XXXX monthly payment to be reported as a 30 day late payment to Roundpoint Mortgage. The property that Roundpoint Mortgage was servicing was sold. 

I have contacted the creditor and explained the situation a number of times. I also sent the creditor the letter from the Titling Company showing that is was by no fault of me that the payment was paid on XX/XX/XXXX instead of XX/XX/XXXX. The creditor informed me that it was n't anything they could do about it because they have to report the date the payment posted regardless of what I have informed them. I was current with all my monthly payments due to the creditor the entire time that I had the loan which should further prove I was not trying to be late with any payments..
Product: Credit reporting or other personal consumer reports

I received a notification stating that there was an unauthorized inquiry from XXXXXXXX XXXX on XXXX. This unauthorized inquiry has affected my Transunion credit score and is hindering me from using my credit. According to 18 USC 1028A this unauthorized inquiry needs to be removed from my Transunion credit report immediately.
Product: Credit reporting or other personal consumer reports

My credit profile has been in a mass data breach XXXX times with XXXX XXXX and Experian including the dark web. It is impossible for me to obtain the things that I need to manuver in life because this keeps happening. I've tried serveral times to get these inquiries removed. I an a vitcim of Hurricane Milton, the hurricane flooded my car and I can't get another one because I have XXXX inquires and there in cities I've never lived. I have never lived in XXXX but I have over XXXX XXXX inquiries. I can't buy my family a hot dog because of this. Please help me this time. It's not fair at all to have to continiously go through this type of situation. Scammers are too smart so locking my credit hasn't worked in the pass. Please give me some direction other than having to spend money. We are homeless and without a car. Please help. My address has not change I still at the same address. Where do you all get these addresses from? My mailing address is still XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX GA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Dear XXXX Representative : Delete the dispute notation from my credit report I have previously requested you delete all addresses on my profile that I see reappear again on my profile. Also, delete all the above addresses & * ph. # business info as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Denied Modification in 2016 after XXXX YEARS of application runaround and court mediation. The denial was wrongful because Select Portfolio Servicing used " outdated '' income figures, which was disclosed by their attorney at the close of mediation. She advised I appeal and RESUBMIT the CORRRECT income figures, which would have qualified me for XXXX. The appeal was again denied with XXXX XXXX as to why the correct income resubmission was IGNORED.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I went to the store located at XXXX XXXX XXXX XXXX TN XXXX. I stated I was having some financial hardship and I needed them to remove the XXXX payments from my account. I was told by XXXX ( store XXXX ) that he did but for me to understand that the company had a right to resume them if the account became delinquent. At this time my account is not delinquent and they can not resume a service that I asked them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello there to whom it may concern on XX/XX/2022, I had extended my credit towards purchasing a new are used vehicle I was denied after a few days later I started to receive mails of adverse actions stating that they were unable to grant me credit after checking my consumer reports I saw derogatory information that was no supposed to be on a consumer report pursuant to 15 usc.1681 This means federal laws has been broken which is a violation of my consumer rights. I had disputed these items with XXXX which keeps coming back verified/factual I was never a part of the initial investigation or the reinvestigation I wasn't given a chance to to deny these alleged allegations these grave mishaps of XXXX are hindering me and my family from enjoying life as a consumer I am willing to look away if they remove these items or I will further escalate the matter i have given XXXX more than enough time to correct these errors. XXXX refuse to compile see exhibit A & B Thank you for your cooperation the consumer naturally person
Product: Credit reporting or other personal consumer reports

I having a issue with Experian for long time.Because XXXX  account giving me hard time. 
XXXX account number XXXX in XXXXThere have a error to remove negative account I was requesting for 6 month.I never later.That account its paid and closed. 
Account paid full but in the system have error issue.I am requesting that remove that account from my credit report.Also I paid full they never update my score.They giving me a hard time I send a dispute letter several time.But they are denying for 7 months.I having a problem to get a loan.Also I want to remove all hard inquiries that I have no knowledge also remove 1 negative account in Experian onlyXXXX and XXXX I want to remove hard inquiries and soft inquiries. 

Experian giving me a hard time for removing error account .please help to get out from these. 

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

Ive spent over XXXX on credit services to get this account removed. I filed a XXXX report and I cant get it removed. There is a ally finical thats reporting to XXXX and Ive disputed it so many times. Spoke with XXXX and no change. This is not my account and I would like this blocked and removed.spoke with manager XXXX no change and XXXX. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a dispute to TransUnion regarding a Bankruptcy on my credit report. They send a letter dated XXXX indicating they contacted the US XXXX District Bankruptcy Clerk 's Office in XXXX  XXXX, Missouri and stated they verified it as accurate. I contacted the courts office and they stated they do not report or verify any tradelines with credit reporting agencies. They lied and used the courts in a false and misleading way. They should stop using official court representation for something they are not doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to the privacy and confidentiality under 15 USC 1681 Account Name # XXXX XXXX XXXXXXXX Account Name # DEPT IF EDU XXXX. Account Name # XXXX XXXX  XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXX XXXX  XXXX Account Name # XXXX XXXX XXXX Account Name # XXXX XXXX XXXX XXXX {$27000.00}. Account Name # XXXX XXXX XXXX XXXX LLC 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.

15 U. S. C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U. S. C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This showed up on my credit report. It is not my debt and the company took no responsibility for it when I called them. They would not help me and suggested that I file a complaint. A screen shot of their entry on my credit report is attached : COLLECTION : Highest Balance : {$530.00} Amount Due : {$320.00} Company name : CBHB XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX
Product: Money transfer, virtual currency, or money service

I yes writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

The aforementioned credit collection agency representing " XXXX XXXX XXXX '' has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my credit files : XXXX, XXXX and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this debt. If " High Desert Creditors '' does not have any documentation, they need to retract this from my credit file immediately. I disputed this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I also did disputes via phone within the last 8 months. These accounts are also listed as duplicates on my XXXX  report. High Desert Creditors amount {$XXXX} and {$XXXX
Product: Credit card or prepaid card

I have earned over 300,000 Membership Awards points with American Express. My current balance of points is XXXX. On XX/XX/2018 I attempted to redeem points for gift cards. I received a message saying " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I called American Express on the XX/XX/XXXX to inquire and again today on XX/XX/XXXX. Today they told me it would be an additional XXXX weeks for my purchases to be analyzed. 

This is an unfair practice by American Express. I earned my points legitimately and now when trying to redeem are blocking me from doing so. I feel this is a bait and switch technique. American Express should release my points immediately or complete what should be a simple review within 5 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX ran a fraudulent inquiry on my credit report. Over time I found out it wasnt even my application and they made an error and clicked my name on XXXX. I have tried countless times to resolve this matter with both XXXX   and XXXX. I have gotten letters from both sides that they have deleted the account but what both companies need to realize is that it is an inquiry that needs to be removed. XXXX MUST SENT AN DELETE INQUIRY LETTER TO XXXX  BECAUSE THE CREDIT BUREAU IS NOT UNDERSTANDING THE SITUATION AND HOW MUCH DANGER THEY HAVE PUT ME IN. XXXX is now merging my report with my father who I have a protective order against. 

THIS WHOLE MESS STARTED BECAUSE THESE XXXX COMPANIES ARE NOT UNDERSTANDING THE URGENCY OF THIS MATTER. I NOW HAVE TO RELOCATE BECAUSE OF THIS PROBLEM
Product: Credit reporting or other personal consumer reports

My journey through this harrowing experience of identity theft has been nothing short of a nightmare. Every step I have taken, every document I have submitted, and every report I have filed with law enforcement agencies has been executed meticulously and in strict accordance with your instructions. However, instead of the support, guidance, and swift action that I expected to receive, I have encountered repeated roadblocks and the disheartening message that my identity theft claim is not valid. This unjust refusal has left me not only frustrated but also deeply distressed. The toll this ordeal has taken on my financial well-being and emotional stability can not be overstated. It is disheartening and exasperating to think that after following your guidelines to the letter, I am met with such resistance. Here is the account that needs to be removed from my credit file : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX. Please remove this account ASAP.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on account that I was never late for. the consumer reporting agencies have assumed a virtal role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I never been late on payments for the account that I have included screenshot inside this complaint in on dates of XX/XX/year>, XX/XX/year>. Please investigate and provide proof with statements showing these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Product: Debt collection

This debt has been satisfied and it was indicated it would be removed from credit reporting. It is still being reported as a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE RE-INSERT MY TWO CREDIT Cards ending in XXXX and XXXX back into my credit files at XXXX, XXXX, EQUIFAX AND XXXX.