23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX billing- payment due XX/XX/XXXX. paid XX/XX/XXXX and XXXX received {$500.00} cleared bank before the XXXX XX/XX/XXXX billing -payment due XX/XX/XXXX. paid XXXX {$500.00} and CITI received cleared the bank before the XXXX ****** bill shows late payment for XXXX. Did Not credit my account until the XXXX -- Money received by due date -- -- Late payment and interest. -- -added to XXXX bill... 

******Account Message- on XXXX bill. Credit XXXX + XXXX + XXXX Received No further billing from Citi -- -even though they can provide a record of late fees and interest -- -- Only learned of bill as to threat of collections.
Product: Credit reporting or other personal consumer reports

I cant access my credit report online, I have tried to sign up through the XXXX website and its not letting me do it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy being reported on my credit report. The credit report states that this bankruptcy is furnished by the U.S. Bankruptcy Court of Alabama, but after contacting the court, they confirmed that they do not furnish or report any information to credit bureaus. Therefore, the bankruptcy information currently being reported by your agency is unverifiable, false, and misleading. Now that i have debunked that lie, they decided to change their furnisher to lexis nexis. Lexis Nexis has stated that they receive their information from the bankruptcy court as well however, THAT IS A LIE. The letter from the courts state they DO NOT FURNISH NOR REPORT ANY INFROMATION TO ANYONE. I also have where LEXIS NEXIS does not even have a bankruptcy listed for me, so when did it get added??? 
This bankruptcy has been incorrectly listed on my credit report for several years, despite my consistent disputes claiming that it is not mine. I am requesting immediate removal of this inaccurate information from my credit report, as it is causing unnecessary harm to my credit profile. Please investigate this matter AND STOP USING OCR ( IF I AM TELLING YOU ITS WRONG PLEASE COMPLETE A HAND INVESTIGATION OR JUST REMOVE IT ) and provide me with confirmation that the false information has been removed. I appreciate your prompt attention to correcting this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. 
I have already contacted the FTC and local police to file a report. These items need to be deleted from my credit report. XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX and these inquiries are not mine either. XXXX .XXXX  XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX, XXXX , XXXX/XXXX, XXXX XXXX , XXXX, XXXX  XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX   XXXX 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 or prepaid card

On or about XX/XX/2018 I received a call from Citibank d/b/a SearsCard that there were a suspicious attempt to charge my card at a Dollar Store in South Carolina. I told Citibank that it was fraud because I was never in South Carolina and had my credit card here in Ohio. Citibank told me that it would cancel my card and issue me a new card. Citibank did not tell me that there were earlier fraudulent charges also made in Souh Carolina. Because Citibank closed my account, I could not access my online statement or account information. Citibank told me that my balance was {$130.00} c and that I should pay it to avoid late fees. I paid it quickly on XX/XX/XXXX. Subsequently, when inquiring how that balance was calculated, I learned that there were three identical charges made in South Carolina for XXXX XXXX  totalling {$80.00}. Citibank knew that these we were fraudulent charges, too, but kept that information from me. I repeatedly called Citibank to dispute those charges, but each time a heavily accented female based in the XXXX demanded to know my checking account information, I do not have a checking account with Citibank, and told them so. Citibank a dozen times refused to accept my dispute. It appears that the XXXX were illegally trying to get my personal banking information totally unrelated to my credit card. And, twice Citibank told me that the new card was sent to the fraudster XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX SC XXXX because someone changed my account data to her name and address. Utter stupidity by Citibank! To date, I have neither received a new card, nor refunded the {$80.00}.
Product: Debt collection

On XX/XX/XXXX I received an email stating I owed {$110.00} for a cleaning of an apartment as part of my moveout. This amount was paid in full. I have an email stating that I have a XXXX balance dated XX/XX/XXXX. I recently applied for a credit card and this is showing up as an account in collections.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX Also Known As : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXXXXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$680.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have a current police report on file with Chex Systems. The following reported information currently listed on my Chex Systems Consumer Report ID : XXXX is a fraudulent bank/checking account that is not my account : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX, Balance : {$16000.00}. I have never opened a bank/ checking account with XXXX XXXXXXXX XXXX XXXX XXXX  XXXX The checking account is a fraudulent account and not my account.
Product: Money transfer, virtual currency, or money service

I had to send money twice because the person didn't receive it. 

Also I always have to call customer service to receive my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting h Act XXXX XXXX XXXX XXXX balance {$62.00} XXXX XXXX XXXXXXXX XXXX XXXX balance {$1500.00} XXXX XXXX XXXX XXXXXXXX balance {$190.00} XXXX XXXX XXXX XXXXXXXX balance {$130.00} Loan XXXX XXXX XXXX XXXX {$170.00} Has violated my rights.15 U.S.c1681 section 602A.states I have the right to privacy.15 U.S.C 1681 section 6 all for a section 2 : it Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Until recently unbeknownst to me this week for the process continue to display erroneous information in regards to a credit card that was victim. Do I deserved all three credit bureaus should concentrate on following FCRA regulations and blocked negative information during investigation of ID XXXX, and the two accounts that is affected for nearly 2 1/2 years now Im trying to rectify the problem and its time to pay attention
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to XXXX, XXXX and Transition agency disputing specific accounts ( letter in uploads ) on my consumer report and requesting documentation to verify their accuracy. These accounts are inaccurate and incomplete. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information and request proper verification. Section 604 ( 15 U.S.C. 1681b ) states that no information should appear on my consumer report without a permissible purpose, which I did not authorize. Furthermore, my right to privacy under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) prohibits these credit agency from sharing or reporting unauthorized or unverifiable information. XXXX continues to mark these accounts as verified without providing any documentation or addressing my requests. This violates both my privacy and rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I filed a complaint with the CFPB regarding the request for investigation I made with two credit bureaus, report # XXXX ( TU ) and XXXX ( XXXX ). 

I received a response from the CFPB that despite multiple attempts on my part over the course of several months for XXXX  and Transunion stalling that they would still be given another 90-days. Well guess what, today is day 90 and they have NOT responded or deleted the unverified information from my report. 

HOW ARE THEY ALLOWED TO DO THIS? I am again asking for your support in having this deleted. 

MAKE THEM COMPLY WITH THE LAW. I can't keep keeping up with this. I shouldn't have to. It's stressful and harming my score. If you can't make this happen what other government agency do I complain to? This is ridiculous at this point, they have not done a reasonable investigation nor complied in a timely manner!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681bPermissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXPlease remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX, I have been trying to get Equifax to confirm I have been enrolled in their TrustedID service in response to the data breach. Previous to that date, I followed the instructions and applied for the service as directed by Equifax. I also contacted their customer service number by phone to enroll and was told I would be receiving an email confirmation. That email never came. I followed up with several emails. I was last contacted by them on XXXX XXXX where they stated XXXX in the email ) that I would be contacted by a representative. I have not been contacted despite having sent them follow up emails on XXXX and XXXX. I have the case number and incident number they provided in their last response to me on XXXX and will provide it to XXXX as needed.
Product: Checking or savings account

On XX/XX/XXXX, I received an SMS message from Huntington that there was a suspicious transaction on my debit card. I immediately called Huntington and confirmed the transactions were not initiated by me and I was unaware of them. My card was closed a new card was ordered. Within 5 minutes, I received a call back from Huntington to confirm the new debit card order. I decided that I didn't want to get another card. I was told that in order to cancel the card, I had to type in a confirmation code, which they had provided to me. I assumed that was the end of my problem. However, a few minutes later, I looked at my account and saw that {$840.00} had been taken out of my account via XXXX. I don't even have XXXX and if Huntington provides this product as a service, they did not do me any service by just allowing it to be on my account. I have never used XXXX in my life. But someone sent {$840.00} from my account to an account at XXXX bank. When I called Huntington back immediately, I was told that the XXXX account belongs to someone name XXXX XXXX ( whom I do not know ). They said the Huntington XXXX account had my name on it, but someone else 's phone number. That phone number is XXXX. According to XXXX, area code XXXX is in Alabama. I live in Ohio. I have no idea who's phone number that is or how or WHY Huntington allowed someone to set XXXX up with a phone number that doesn't match my records. 
I filed a dispute with Huntington immediately because I did not and have never authorized anyone to send a XXXX transaction from my account. I did not and have never sent a XXXX transaction myself either. Imagine my surprise when I received a letter in the mail that Huntington denied my dispute and said " this is a valid transaction ''. How on earth could this be a valid transaction? I did not authorize this.
Product: Debt collection

I am filing a complaint against Midland Credit, as well as XXXX XXXX Bank. 
2018 XXXX XXXX Bank close my account due to no activity. The card was on automatic payments only. But because i did not charge anything in 60 days they closed my account without my knowledge. So therefore the account was not getting paid on. Then 120 days later show up on my credit report as 1100 dollar balance. I have disputer this account several times. Now midland credit has it and its XXXX dollars in dept. 

These companies are fraudulent in everyway. They hold your credit dept. over your head to see how much money then can accrue.
Product: Checking or savings account

I am trying to have my visa  debit card opted out of the Visa Account XXXX program. Visa says to contact BBVA. BBVA has over an hour wait time every time I call. I have been unable to find a way to do it myself online. I have tried the web chat and been told the chat is not secure and unable to take any personal information. I have tried holding on the phone until the BBVA service actually takes me through their end of the call survey and hangs up. I do not want my debit card number automatically updated with anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i paid Synchrony bank collections a settlement in the amount of {$860.00} so satisfy my loan for a sleep number bed and close the account. Per bank statement the balance was removed 0n or about XX/XX/2022. on XX/XX/2022 I spoke again with the bank in reference to why they where still reporting a negative balance and they responded they do not have a settlement for this account. On XX/XX/2022 i again called Synchrony bank to attempt to resolve this issue, but they again are un willing to assist and bounce between recovery and customer service.
Product: Checking or savings account

I have had a brokerage account with E*trade.com since the early 2000 's. I just recently opened a guardian saving and checking account with E*Trade for my self and my father. In order for this bank to open these accounts I had to download a copy of my father and I drivers license. On the IDs you can clearly see we are both XXXX XXXX. After the accounts were opened, I deposited a check from my fathers XXXX account in the amount of over {$92000.00} to the newly opened accounts at E*Trade. E*Trade kelp the check on hold longer than the time frame listed on there website. They never given me a explanation for the long hold time. They called XXXX and verified the check with them then they released the funds. Once I started moving funds around into the different accounts they put restrictions on all the accounts. Once I called them to ask why the restrictions were there they lift the restrictions. I then tried to wire myself {$20000.00} from the account they put a restriction on the account and now they will not remove it. The only reason I can see them placing restrictions at all on the account is because my father and I are XXXX XXXX. They do not like seeing XXXX customers with this kind of money.
Product: Credit card

On XX/XX/XXXX, I made a payment of XXXX. I didn't see it go through and I thought maybe I didn't hit the submit button, so the next day I made another payment. Both went through that day. I called immediately to Bank of America and they said it would be no problem and they could refund me. XXXX business days went by and I reached out again. They said the case was closed and they deposited the money into my account. I got a letter a few weeks later stating the same thing. It has not been put into my account. When I called back the XXXX time, I found out they had the wrong routing number and I was told they were looking into it and someone would reach out to me. Nobody has ever reached out to me. I've called 8 times in almost 2 months and they take my info and tell me they are looking into it. This last time, I was told it would take 2 days. It's been XXXX. 

I called on XX/XX/XXXX believe it was the phone call on XXXX XXXX that I talked to a XXXX named XXXXXX/XX/XXXXand he said he'd open a new case. The wrong routing number was to a bank in GXX/XX/XXXX A very nice lady named XXXX in XXXX, CA informed me of this. 

I'm enclosing my bank statements from XXXX and XXXX. I've highlighted on my XXXX statement where the XXXX payments came out and a transfer from my savings to cover the XXXX payment.
Product: Credit card

This is in regards to dispute claim XXXX with Wells Fargo for {$290.00}. I filed this dispute because the services were not rendered by the merchant, even though I signed a receipt for the services. I paid for XXXX  XXXX and cancelled because the teacher was unprofessional, unprepared, and even ended class one hour early to go meet her friends. I am not paying for this charge and want a full refund. Wells Fargo did nothing to help me in this situation.
Product: Vehicle loan or lease

XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Received unsolicited financial products on insurance offer after Opt-Out. 
Improper use of my report shared without consent, credit inquiries from unknown sources.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX 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 : I 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 customer 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

I have CLOSED accounts at XXXX  XXXX XXXX which are disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my CLOSED accounts as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, XXXX and TransUnion credit reports fail to accurately reflect that my accounts are disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete all my XXXX  XXXX XXXX accounts or include the statutory reference that my accounts are both disputed by consumer AND affected by a natural or declared disaster.
Product: Credit card or prepaid card

I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumerto dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I have found out there are some hard inquiries on my credit report that I do not have knowledge about. The dates for this actins taken was on XX/XX/2020 and the company names are XXXX XXXX, and Regional Acc. I tried getting in contact with these two companies but still havent heard anything from them.
Product: Debt collection

Auto loan on my credit report was reported as unpaid even after 1 year of having posession of it ..Company sold it after repo ... they sent documents of XXXX   balance and then soon after their collection/loan department resend another document saying their was a balance and proceeding to report amounts owed as though they didnt already have the car and that I incurred a debt during that time.