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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Signed up for an offer from Citi for XXXX thank you points when opening a Citigold account, having a thank you card, and completing two bill payments for 2 consecutive months. The points should have been awarded to my credit card account within 90 days of when I had completed the two bill payments, I have not been awarded any points, and I 'm having to make account fee payments to keep the account open unnecessarily.
Product: Debt collection

This debt was added to my account XX/XX/XXXX without my written consent. 

IT isnt the correct amount, and Ive asked that it be removed from my report numerous times.
Product: Mortgage

It is near to impossible to contact this company. When I call I am on hold upwards of an hour before I can even talk to a human being. They do not respond to my messages, nor do they return calls. This has caused issues with additional fees being assessed. Right now I have an issue that needs to be respond. My payment was not applied correctly this will cause me to miss a mortgage payment. I need attention, XXXX knows I am paying for it.
Product: Credit reporting 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 privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a followup to complaint number XXXX regarding XXXX XXXX and Equifax. As reported previously XXXX discovered my identify on the dark web ( I am one of the millions of Americans affected by the Equifax breach ) and on XX/XX/2018 reported to me that credit checks from XXXX XXXX and XXXX XXXX were issued to Equifax for credit card approval utilizing an my old residence address and in the case of XXXX XXXX  an incorrect SSN. XXXX contacted me and we contacted both XXXX XXXX and XXXX XXXX to discover that Equifax approved both credit checks! Both XXXX XXXX and XXXX XXXX stated they would cancel sending out the credit cards and remove the credit check on my credit bureau reports. Since then XXXX XXXX has followed through and removed the credit check as reported by XXXX XXXX and XXXX. 

However, both XXXX XXXX and Equifax have refused to remove the credit check as a result of the XXXX XXXX fraudulent application. Attached is a letter from XXXX XXXX even refusing to acknowledge any fraud and demanding more information, which I have already provided by both phone and in writing. In my last conversation with XXXX XXXX they stated that it was Equifax 's issue as they had already submitted their report however, neither XXXX XXXX or XXXX  have received the XXXX XXXX correction request as documented by their credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX-Date Account Reported : XXXX 's Date Opened : XX/XX/2021 -- XXXX Account Condition : Closed -- Paid -- Account 's Closed Date : XX/XX/2021 -- -- XXXX XXXX : Closed -- Paid Account Dispute Status : Account not disputed -- Account not disputed-Account Status : Closed -- Open Account Status Information : Closed -- Paid Account Rating : Closed -- Paid Payment Status : Current -- Current I never obtained this account and also how can a person obtain an account on two different days and then the same date its last reporting was the same day the account wa closed, that doesn't make since. this company stole my information and refuses to fix the error. I have been sending in disputes for months and they get rejected in a day or the company responds back verifiable within any written notice and without any supporting documents. I don't even know what information was used to obtain this account nor does any of the information on my credit report matches this information and that is one of the regulations and guidelines any business or consumer to have update information or accurate information across all three bureaus and this is not the case. please have a human review my request and not an automated system or machine and also update and send any verifiable documents with notary signature and matching ID used at time of purchase or delete this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to reason with Transunion credit about my credit reporting, every time someone looks at my credit all other credit bureaus take XXXX  maybe XXXX  points off, Trans Union XXXX  points the minimum, I'm no understanding WHY??? I have called try to explain multiple times now since i made them mad they just took 103 points and i was told because i Purchase a house and have a Morgage. REALLY???? I WAS TOLD TOO BAD BY THIS LADY " KANISHA '', JUST BECAUSE I HAVE A MORGAGE NOW I NEED TO BE PUNISH, NOPE DONT THINK SO First of all this is not a government entity and there for no they should not have my information don't care that someone invented to mess up with people 's life 's. NOT A GOVERMENT ENTITY
Product: Credit card

I checked my credit score from an e-mail from XXXX XXXX. They made a recommendation to me to apply for the American Express Blue Cash Everyday card. I clicked on the link and was offered a {$250.00} cash back offer if I spent {$1000.00} in the first 90 days of having the card. I was approved and received the card. After I purchased the required {$1000.00} I use their chat window to confirm I had met the requirement. The chat representative said there was only a {$100.00} cash back offer on my account. After not getting anywhere I requested a Supervisor. I was told I had a Supervisor on the chat and explained the problem. She said I had n't met the requirement of spending {$1000.00} ( which I knew I did ) and I asked her if she saw the {$250.00} offer on my account, she said " maybe you did n't apply in time, '' I told her how I got to the offer and that I applied immediately right then on the site. She said " I 'll check into that. '' I said I have a screenshot of the offer, and suddenly she disconnected the chat. I searched XXXX for {$250.00} cash back offer from American Express and to my surprise there were numerous links talking about how the {$250.00} offer from Amex is hidden once you 've gone to the site. There were sites that explained that if you clear your browser history you might be able to see the original offer. Others said if you use Google Chrome Incognito you could see the offer again. Others still said if you clear your browser and try the link you may get it on the 2nd, 3rd, or 4th attempt if you cleared your browser history each time. I called Amex and asked for a Supervisor who said only the {$100.00} offer was on the account and I must have applied too late. I tried what those sites on the search and indeed came up, in addition to the {$100.00} offer a {$150.00} offer and have a screenshot of the {$250.00} offer. They ( Amex ) told me they would get back to me on XX/XX/XXXX. I received a call as promised and the woman said that I was declined to receive the {$250.00} offer. I told them I would file a complaint with you and the XXXX.
Product: Debt collection

So my information was leaked from a hotel and someone opened a Bank of America credit card when I was only XXXX XXXX XXXX. It says on my credit report that I owe {$810.00}. I have no knowledge of this account and this was deleted before when I told them and now it is back on.
Product: Credit reporting

I looked at my credit and found a collections item on Transunion from XXXX XXXX XXXX. I asked for validation a week ago ands told It would be sent but they did not ask for my address. The credit reporting agencies have this up now as truth, and I knew nothing about this, The process was circumvented and Transunion is complacent in this. I want this investigated. The reporting agencies make it almost impossible to do business with them. I believe this was put on my credit report due to false information, I was not sent validation even after requested, I can not find the original creditor of this alleged debt, The company that placed this item on my reports does not hold a license in my state to operate as a collection agency.So in short this credit bureau has put and item in collections solely on the word of a company that has been accused of scamming consumers. This fact makes the agencies an accessory to the harm this is doing to my plans to refinance under HARP before XXXX
Product: Credit card or prepaid card

In XXXX I pulled my credit report and came across missed payments from XX/XX/XXXX XX/XX/XXXX from Capital One. After going through my records i realized why I had the hardship earlier this year due to an car accident at the end of XXXX, which i had XXXX and had to be off work for an extended period of time. Before my accident i hadn't missed a payment and once i was able to get back from my XXXX I haven't missed a payment since XX/XX/XXXX. I sent a forgiveness letter along with documents supporting my situation. I received a response 10 days later stating that capital one wasn't able to remove or honor my forgiveness letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX XXXX I was going over my credit report and I noticed that there are a few late pays the are showing 30 days. My income was impacted by the Pandemic Shutdown and I was looking to get some accommodations under the CARES ACT to help protect the integity of my credit. I was needing my following accounts to refected a current status due to the impact of COVID-19 : XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). 

I have addresses showing that do not belong to me. I never lived at these addresses please XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX OH, XXXX.
Product: Debt collection

Toyota is inaccurately reporting on my credit report.I have contacted the Credit Reporting agencies and Toyota continues to report. See attached letter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 not possible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scam.
Product: Credit reporting or other personal consumer reports

I am requesting assistance from the CFPB regarding an unresolved issue with TransUnion. I have already disputed this account so many times that Ive lost count, yet the unauthorized account remains. The account in question is XXXX XXXX XXXX, and it is being reported only by TransUnionnot even XXXX or XXXX are reporting it, which raises serious concerns about its accuracy and legitimacy. Despite my repeated efforts, TransUnion has responded with generic verified notices instead of addressing my request to delete or correct the inaccurate reporting. I also never requested a fraud block, yet TransUnion declined one, further showing a failure to properly review the nature of my dispute. I am concerned they are not following reasonable procedures, as required under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) and 1681b ( 2 ) ( permissible purpose ). I have never given written authorization to TransUnion to report this account. This ongoing reporting has caused me emotional and financial harm, and I am now asking for CFPB assistance to ensure this issue is properly investigated, resolved, and removed or corrected on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate how quickly you took action and how successfully you got rid of some of the bad things that were previously on my credit record. I think there are still problems with my file that need to be fixed for the time being. I thus request that all erroneous information mentioned in my credit file and attachments be immediately corrected. 
XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

The debt collection company is reporting negatively to the XXXX credit bureaus regarding a debt that was settled with the original creditor. I have submitted enclosed copies of proof of payment and sent both by fax and mail that the debt was no longer collectible and requested the account be removed from all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting a collection in the amount of {$10000.00} on the XXXX XXXX  XXXX XXXX  partial account number XXXX. ( Please see page 21 of the attached credit report. ) This account was in my deceased husbands name. I was not a co-signer on the loan. After my husbands passing, I never received any bills/notices or letters regarding this outstanding debt. There was no Estate to inherit and no Estate to cover any outstanding debts. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, but I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been well over 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress they caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

ordered clothes for my XXXX year old mother. clothes did not fit. returned entire order. charged a restocking fee, then continued to charge me interest and late charges on a restock fee. paid on the account. sent a pymt on XX/XX/20 of {$75.00}. called several times the week of XX/XX/XXXX - XX/XX/XXXX. still no payment on file. called morning of XX/XX/XXXX, still no payment received and charged me another late fee of XXXX called back after lunch on XX/XX/XXXX. they had received my {$75.00} as of XX/XX/XXXX, but as of morning of XX/XX/XXXX, still not showing my payment. took them 2 days to post my payment. called and asked them to remove {$35.00} fee, refused. This company is horrible. When you order clothes online, and they don't fit, you should not be subject to a restocking fee.
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 privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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.

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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have never lived at these addresses as stated on my credit report. THIS report IS INACCURATE. : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX OR XXXX XXXX XXXX XXXX, IL XXXX I have not updated the status of the account XXXX XXXX : # XXXX and this report appears to be older than 7 years old & should not be reflected on my report for any reason.
Product: Money transfer, virtual currency, or money service

My husband and I share a credit card and we each have XXXX in our own names that we use all the time. We created Venmo accounts in 2020 using our card and a few months later Venmo froze our accounts because we used the same card. We've been trying to delete/deactivate our accounts for XXXX years since then and have given Venmo photos of our ID, bank statements and credit cards showing our names and account numbers. They even made me send a selfie of myself with my ID card. They WILL NOT close my account even though I have provided above and beyond all the information they requested. I've asked to talk to managers and they will not answer me. I believe this has to be some kind of privacy violation for a company to not close a financial account that I have requested to be shut down. Can you help me get my account closed and reprimand Venmo for this violation?
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a collection account placed on my XXXX credit report on XX/XX/19 with a balance of {$1800.00} by XXXX XXXX XXXX. The original creditor is listed as Comenity Capital Bank whom I have NEVER heard of. It is listed that the account was opened in XX/XX/2019. I have not opened or applied for any credit accounts in the past year. This is not my account and I do not owe this company any money. I have never received any written or verbal notice of this account either prior to or after it was placed in collection therefore this has been my first and only opportunity to dispute this. I was part of the XXXX data breach as well as a XXXX XXXX XXXX XXXX data breach. I have disputed this directly with XXXX as well as attempted to dispute it with XXXX XXXX XXXX
Product: Credit card

I was told once I pay in full that yall would remove and delete off all XXXX credit bureaus and I see yall didnt keep yall word but I paid and yall closed the account as paid and closed but yall didnt delete the account
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  - missed payment ( XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) XXXX XXXXXXXX XXXX - missed payment ( XXXX, XXXX, XXXX, XX/XX/XXXX ) XXXX XXXX XXXX - missed payment ( XX/XX/XXXX ) According to 15 U.S. Code 1681a D section 2 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] This transaction history should NOT be apart of my credit report by LAW! I did not authorize this!