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

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems received a notification from XXXXXXXX XXXX that my account had been closed due to fraudulent activity. Which is false. I had previously requested to have the account closed remotely ( I had XXXX at the time ) due to their excessive overdraft fees. I nearly took legal action against them until a class action law suit was filed and I was awarded over {$300.00} in reimbursements for fees accrued. XXXX XXXX are now demanding the exact amount I was awarded through the law suit be paid in order for my chexsystems record to be cleared I have requested that Chexsystems remove this record but they said I should negotiate with the bank despite my concerns that the bank was retaliating against me due to my initial complaints. It is a tactic one of their reps said they would use. I can not afford to wait for Chexsystems 30 day investigations. This is already the second one. I receive my XXXX  loans through a credit union. I have delayed spring enrollment because I can not open a checking account at my credit union so I can process the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} DateOpened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection that isn't mine that I didn't agree to pay and experian didn't give me any information on it other than that they wouldn't remove it. I only have one collections. My score dropped almost 100 points over ~ {$300.00} fake charge against me.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to express my concern regarding a dispute I recently raised with AmexXXXX, which was verified under the Fair Credit Reporting Act ( FCRA ). The core of the issue is that there is an incorrect Social Security number associated with my file. Despite my requests, Amex/XXXX  has refused to provide me with the necessary information or address my requests for information correction. They have also confirmed over a recorded call that my social security number is unverifiable in their system. 

I hereby request a detailed re-investigation of this matter to ensure all information, particularly my Social Security number, is accurate and complies with FCRA standards. Any unverifiable or fraudulent information should be promptly removed from my records. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

We are purchasing a XXXX home and are coming close to the closing date. Several weeks ago we were told by our mortgage broker that the application was being reviewed by the appraisers and that it would likely be declined for several reasons. Everyday we ask for updates, and everyday we are told the letter of declination will come later today/tomorrow. Without the letter of declination we could lose our 10 % downpayment to the seller.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 my mother XXXX XXXX passed away. For years she had a savings and checking account at XXXX XXXX XXXX ( XXXX ). She had told me many times that this was a joint account with me as the co-owner. On XX/XX/XXXX, two days after her passing, I contacted XXXX to inform them of her passing. There was approximately {$4000.00} between the two ( savings and checking ) accounts. Approximately two weeks later we had a reception after her funeral and I paid the cost of the event out of the checking account by writing a check. That check cleared with no issues. XXXX had sent me some forms to close the account but I had not yet made the decision to do so, therefore I did not return the forms. In the middle of XXXX ( over a month after my mother had passed ), I had a personal financial transaction with a friend and had her wire {$16000.00} into this account. By the end of XXXX  I had finally begun to organize my affairs and felt it was appropriate for me to close these two existing XXXX accounts so I reached out to XXXX. There hold times have been in excess of two hours so I left a message for a return call. At that time I was told there was a " hold '' placed on the account and that I was in fact NOT an owner on this account. Despite repeated inquires as to why the hold was not placed on the account until only after the money was wired in I have yet to receive a valid reason. The best they have offered was that they were " busy ''. For some reason the account was not suspended when I contacted them within days of my mother 's death, it was not suspended when I wrote a check to the facility for the funeral reception and it was not suspended when {$16000.00} was wired into the account. It was ONLY suspended after all those have occurred. After multiple attempts to get my money from this account I have now being informed that the ONLY way I can get this money out is to have the wire reversed by Bank of America or by releasing it to the estate of my mother. Sadly, my mother was of very meager means and there was no estate. XXXX is attempting to force me to get an attorney and create an estate for my mother to gain access to my personal funds. We have attempted to work with XXXX ( a complaint is also pending ) but Bank of America and XXXX seem to each be pointing fingers at each other regarding the reversal of the wire. We have been trying to get this wire reversed for months now and no one, at either location, seems at all interested in resolving this. It seems to be XXXX 's intent to just keep my money. The friend who sent the wire has tried and tried on her end to work with Bank of America but she is being told its XXXX. When I contact XXXX I am being told it is Bank of America. 

Both parties to this transaction wish this wire to be reversed. I can not comprehend why it has taken 4 months plus to have such a simple transaction completed.
Product: Credit card or prepaid card

Around XXXX XXXX  on XX/XX/XXXX or XXXX 2022 I was getting gas at XXXX truck stop when I bought a paypal prepaid mastercard backed by NETSPEND. When I tried to activate it online it said I needed to speak with a customer service representative. So I waited till they were open to call. Upon speaking with them I was told I was not eligible for their services and unfortunately they could not tell me why and I would have to be refunded and they would issue me a check with in ten business days. That was not acceptable at the time. That was literally every cent I had to my name till my next payday and now they are telling me I would have no money for gas or food or my morning coffee. Needless to say I still have not received my money and it has been round 30 days since I bought card. I was told they could not ACTIVATE CARD in my name. So I asked can we use my girlfriend. They said no cause I purchased it and it had been registered in my name but at the same time they say that the card is not active. So if it's not active yet why can't we activate it in my girlfriends name. It says no where on the packaging or at store where I purchased the card that I could buy the card but there was a chance I may not be able to activate it and have no access to funds till they mail me a check. I even asked them to restrict card so it would let me spend funds for purchases only and not be allowed to be reloaded and they said no. It's not fair to me or any other consuner. They should make people aware that when they purchase a card that they MAY NOT BE ABLE TO ACTIVATE IT AND NETSPEND HAS SOLE DISCRETION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to initiate my disputes on line and continues to list fraudulent information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX pulled a hard inquiry on my credit, I never authorized, nor have knowledge of this company. I contacted them, but they never answer. 
On XXXX XXXX Capital One Bank pulled a hard inquiry on my credit, I never authorized, nor have knowledge of this issue. 
I contacted Customer Service, But Your Customer Service would not help and take care of the negative inquiries reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX collection appeared on my bureau debt was paid directly to hospital and nothing is owed to XXXX
Product: Consumer Loan

After several attempts to resolve a credit denial based on erroneous information I remain frustrated with the FCPB, XXXX, Citizens Bank, and XXXX XXXX stores so I am attempting yet again to correct this situation. 
1. XXXX XXXX stores employees are not trained in sales of financial products such as the Citizens Loans associated with the XXXX XXXX Upgrade Program. After discussing the situation with the manager of the XXXX XXXX XXXX on XXXX XXXX in XXXX PA he recognized the need for further training for XXXX employees as they were not providing customers with factual information regarding the financing associated with the upgrade program. He also admitted that the way the information was provided for credit checks did not give customers a way to ensure the employee was providing the correct information. All information with the exception of the social security number was input onto a handheld device by the employee so errors could easily occur. Moreover the customer did input the social security number but is unable to verify correct input as the numbers were all starred out to protect the customer. So XXXX is not describing the financial product correctly and input is easily erroneous. 
Denial by Citizens Bank was based on information from XXXX that is nowhere to be found on my XXXX credit report as none of the reasons ( garnishment, attachment, foreclosure, repossession, judgement or collection ) for denial provided have ever happened to me and do not appear on the credit report provided to me. 
Thus either XXXX is not providing me with my correct and valid credit report or Citizens Bank has given them incorrect information to run credit check or just refusing to admit to errors. 
Moreover XXXX does not provide a way to dispute this credit check because I did authorize it. But XXXX will not help with correcting the information provided to Citizens Bank. 
To sum up I am filing complaints against : 1. XXXX XXXX XXXX for failure to train employees is sales of financial products such as personal loans and allowing customers to verify the information provided as correct. 
2. Citizens Bank for refusing to investigate their errors in processing my application either with XXXX XXXX, Citizens One Employees or XXXX. 
3. XXXX refusal to investigate how Citizens One Bank was provided this erroneous information or provide me with the credit history that has the incorrect information for dispute. 
As of XXXX XXXX my XXXX Credit Score is excellent at XXXX with no public records ( garnishments, foreclosures, attachments, repossessions or attachments ) on the report. 

I have worked very diligently to keep my credit rating as excellent and I do not wish to have this error remain on my history. 
Thank You for your help with this matter. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted for nearly 1 and a half years to have Experian, either permanently block a XXXX  XXXX XXXX Fraud account that had been blocked for 2/3 years and then randomly had a file split and lost numerous accounts in Good standing including XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX XXXX XXXX etc. The XXXX XXXX XXXX account was removed in XXXX and subsequently remerged without notification from Experian as required by law, in XXXX. I have at least 29 reports in the interim period that show the account was removed and further one that even says after reviewing and contacting the furnisher along with the police report we've determined the account was fraudulent. Fast forward to XXXX and these scumbags won't even acknowledge what the heck changed. I have said before the facts will be on my side, and they rely on this asinine notion that I will not file a lawsuit, but time after time they have seen first hand ( XXXX XXXX when consumers do sue IN FEDERAL COURT, and win! The recent Supreme Court case authored by XXXX XXXX strikes at the heart of developing jurisprudence surrounding the irresponsible invective that Experian who routinely breaks the law will be held account. Not only with a less sympathetic United States Supreme Court, as XXXX XXXX and XXXX have always given preference to State Courts ( The CRAs are terrified of this and routinely believe transferring to federal court gives them a leg up, how misguided with a new originalist court itching and having already in the words of XXXX XXXX whack a mole, to the notion of Federal powers over State ) what is just as damning is the complete take over by the Democratic Party in the United States House of Representatives, and with members like XXXX XXXX itching to pound Experian and XXXX  and Republicans in the Senate too wanting the same ( Senator XXXX, and Senator XXXX XXXX they are playing a stupid game. I was a victim of identity theft and under penalties of perjury and criminal action I filed the reports, including one with the Internal Revenue Service, I then sent Experian a XXXX package with the information and they deleted it until they didn't and now they won't EVEN EXPLAIN WHY IT WAS REINSERTED AND WHAT BASIS THAT WAS UNDER ASIDE FROM CONTACT THE FURNISHER, MO THE LAW SAYS YOU NEED TO AND THEN REPORT BACK AS TO WHAT CHANGED. THIS ISN'T A DISPUTE UNDER THE FCRA ITS A FACTA BLOCK REQUEST. I DEMAND THEY REMOVE IT!
Product: Debt collection

The debt collector ; True Accord XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX States that I owe a debt dollar amount for a Credit Card Bill I never signed any contract to make any payments or anything agreement with TRUE ACCORD This is a debt that needs to be removed immediately from my credit report due to failure to provide hard evidence that I owe True Accord for a debt that I never authorized to use my personal information its illegal.
Product: Credit reporting or other personal consumer reports

I have sent XXXX, XXXX, and Experian letters by mail demanding for deletion of inaccurate information on my consumer reports. I have also sent these companies FTC reports as well because I am a victim of identity theft and furthermore this is not my first complaint about this type of situation more like the XXXX time this year. when asked for removal accompanied by the law that would back the removal of unauthorized information, the companies would send a debt validation notice then go on to say that removal would not be indited causing great stress and suffering on my behalf. these companies keep negative information on consumers reports delaying efforts to report accurately when suggested. sounds like identity theft to me. Then when a complaint is made they never fix everything only some things are fixed but not all of them. I have filed more than XXXX complaints for these companies to fix the information that was inaccurate and they still have not! Sueing them would be the best option!
Product: Money transfer, virtual currency, or money service

My account was limited for 180 days and receive an email telling me, i WAN NA oNLY SEND MONEY TO ANOTHER SERVICES AND THIS MONEY NOT FOR ME. IT'S FOR DROPSHIPPING
Product: Debt collection

Using an auto-dialer to call my cell phone. When I answer, no one is there
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a debt with XXXX XXXX. 
I disputed the remarks on my credit report. 
They added " customer disagrees '' but did not change the remarks. 
XXXX also added the remaining balance of {$4500.00} that should have been settled in our agreement. 
I then opened another dispute. 
After weeks they re opened the account which plummeted my credit. 
I called XXXX and they won't talk to me. 
They wanted to talk to me legal representation. 
I called the company I used to help settle this account. 
I have not heard back. 
This was the settlement schedule that I upheld. 

XXXX XXXX  - XXXX Current Balance Owed to Creditor - {$9100.00} Proposed Settlement Offer - {$4500.00} Number of payments - XXXX Monthly Payment XXXX XXXX x {$210.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} XXXX XXXX XXXX {$720.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} Now the account is open and says it's in collections.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I OPENED UP A CAR CARE CREDIT ACCOUNT APPROX A YEAR AND A HALF AGO I HAD JUST PURCHASED A XXXX NISSAN ROGUE AND PLAN TO USE THE CARD FOR OIL CHANGES AND REGULAR MAINTINENCE, SINCE IT IS A BRAND NEW CAR AND NEEDED NO MAJOR REPAIRS. UPON GOING TO GET THE FIRST OIL CHANGE AT XXXX XXXX WHO WAS LISTED AS A MERCHANT, I WAS DENIED SERVICE AS THEY SAID THEY WERE UNSURE HOW TO PROCESS CARD SINCE IT HAS NO EXPIRATION DATE SO I WAS ENDED UP USING ALTERNATIVE FORM OF PAYMENT. AFTER ATTEMPTING TO USE XXXX XXXX AND ALSO XXXX I ALSO DID NOT HAVE SUCCESS WITH BEING ABLE TO USE MY CAR CARE ONE CARD FOR ANY SERVICE AS BILLING WAS AGAIN AN ISSUE I ALSO HAVE THE HEALTH CARE CREDIT ALSO FROM SYNCHONY BANK AND AND KNOW THAT THE MERCHANTS HAVE TO MANUALLY ENTER THE BILLING INTO A COMPUTER TO PROCESS IT IS A LONG PROCESS WHICH FRUSTRATES MOST VENDORS AND MOST WILL JUST SAY THEY CAN NOT PROCESS PAYMENTS WITH THE CARD. UPON MY 4TH ATTEMPT TO USE MY CAR CARE ONE CARD I FIND OUT THE CARD WAS CLOSED THEY TOLD ME DUE TO INACTIVITY, I SPENT ALMOST AN HOUR ON THE PHONE WITH A REP AND TOLD ME THE MERCHANT SHOULD HAVE KNOWN HOW TO CHARGE THE CARD AND IF NOT THEN THEY COULD HAVE CALLED FOR ASSISTANCE THE ONLY THING THEY WERE WILLING TO DO IS RE ISSUE ME ANOTHER ACCOUNT, WHICH THEY DID AND PROVIDE ME WITH MERCHANTS THAT WERE NOT LISTED ON THE WEBSITE BUT THAT WOULD ACCEPT THE CARD AS PAYMENT WHICH WOULD HAVE BEEN MUCH HELPFUL PRIOR. AS A RESULT OF THEM CLOSING MY ACCOUNT SUDDENLY IT DROPPED MY CREDIT SCORE XXXX POINTS, I SPOKE TO THEM ABOUT REMOVING THE CLOSED ACCOUNT FROM MY FILE, BUT THE ONLY THING THEY WANT TO DO TO ADD A STATEMENT THAT THE ACCOUNT WAS CLOSED DUE TO NON ACTIVITY WHICH WILL BE NO HELP IN RECOVERING MY DROPPED CREDIT SCORE AS A RESULT OF THEM CLOSING THE ACCOUNT.
Product: Credit card or prepaid card

I reported to Carecredit that I was not receiving a bill and therefore was unable to make payments on the account. After receiving several fraud alerts from a credit monitoring service, I realized they were reporting negatively to the credit bureaus. It took several months for them to remedy the situation and they admitted that part of the problem was that they were outsourcing these customer service calls to call centers out of the country, therefore creating a language barrier which resulted in incorrect mailing address information being updated to my account, resulting in the mail delivery problem. 

Synchrony Bank promised to remove the delinquencies from my credit reports, but have not done so. My end of the bargain was to bring the account current and continue making regular payments on time so long as I received a bill. I have done this.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. despite my efforts to resolve this directly with the reporting agency, it remains unresolved. i request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history. 
ACCOUNT XXXX. XXXX XXXX # XXXX ACCOUNT XXXX. XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX. XXXX XXXX XXXX # XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have tried to reach out to XXXX and the new loan servicer XXXX and XXXX. I have not received any information on how to pay either company. I was told I would get information for systems and technologies that would allow me to log into my account and pay the first or second week of XXXX. I still have not received any information and can not pay my loan. I do not have any options with either company to pay my loan. This is a violation of my rights.