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

I received notification from XXXX XX/XX/2024 that my credit score dropped drastically, XXXX points. I reveiwed the information on XXXX and it stated that my student loans had increased. I called XXXX the loan carrier, because I am in an IDR until XX/XX/2024. I am not sure why all of a sudden I would have negative information being posted to the credit bureaus. I have not had anything like this happen in the past with my student loans. I spoke with a representative with XXXX and she stated they don't have any control over what the credit bureaus do with my credit score. I tried to explain it was because of the information XXXX provided them. I filed a disupte with TransUnion. That did not make a difference, in fact I had to call TransUnion a second time because they didn't do anything with my complaint. I called XXXX back XXXX explaining again that the way they are reporting my status is affecting my credit score. Today I received notification from XXXX that my credit score dropped XXXX points due to my student loan has increased. I called XXXX today XXXX and wanted to speak with a supervisor. After spekaing with a representative and being put on hold my call was disconnected. I called XXXX back and spoke with a representative that was going to escalate the issue. I verified with the representaive, being in and IDR should not affect my credit score, my student loans will always be on my credit report, until paid off, but while in IDR that should not affect the score. I was turned down from a local bank for a business loan because of the reporting of my student loan. I have asked over and over that they please check into this issue of incorrect reporting to the credit bureaus. Today is the first time XXXX representaive has sent my information on to someone who has the ability to see what is going on. This has had a negative impact on my situation on trying to open up my business. I have not been able to get lending due to the recent information being provided to all three credit bureaus.
Product: Checking or savings account

On XX/XX/XXXX I applied and was approved for a new Citibank checking account. 

I was offered a {$300.00} to {$1500.00} " Checking Cash Offer '' by Citibank for this new account depending on the account balance and the completion of certain required activities. 

On XX/XX/XXXX I contacted Citibank via chat to confirm that my new account was enrolled in and qualified for the Checking Cash Offer. The representative indicated that I indeed was enrolled in and qualified for the Checking Cash Offer. 

According to Citibank 's terms and conditions, I must not have " owned a Citi checking account in the last 180 days '' in order to qualify for the Checking Cash Offer. 

180 days before XX/XX/XXXX is XX/XX/XXXX. I did previously own a Citibank checking account. That account was closed on XX/XX/XXXX. So, I did not own a Citibank checking on XX/XX/XXXX, which means that I am qualified participant in Citibank 's Checking Cash Offer. 

I closed this previous account via chat with a Citibank representative on Citibank 's website on XX/XX/XXXX. This representative told me that " the account is closed '' NOT that it will be closed soon or any other variation. My access to Citibank 's website was immediately terminated following this chat. 

After I completed all of the required activities for the new account Checking Cash Offer, I initiated a chat with Citibank to confirm my completion. During this chat on XX/XX/XXXX, a representative relayed that Citibank 's records showed my previous account was in fact closed on XX/XX/XXXX -- which would disqualify me. 

Based on all available evidence, the XX/XX/XXXX date is just not true. It is false and ridiculous to assert that I had ownership of the account on XX/XX/XXXX, and XXXX when my online access was terminated, ATM card deactivated, and a Citibank representative told me verbatim that my account is closed. Citibank 's records can not be solely relied upon, as they have been issued consent orders from the Federal Reserve Bank and OCC for, among numerous other deficiencies, their data quality management and information systems. 

Now, if my chat on XX/XX/XXXX was correct in that it takes 2 business days to close an account, then either I was lied to and misled in XX/XX/XXXX or I was lied to and misled in XX/XX/XXXX. 

I made a good faith and diligent effort to make sure I was qualified for Citibank 's Checking Cash Offer but Citibank will not pay me due to some combination of their lies, misdirection, and poor data management.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$37000.00} ; XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I noticed accounts opened on my behalf when I opened my credit report. 
Fraud Account needing attention : -XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX CPS XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX
Product: Checking or savings account

Submitted a complaint recently # XXXX and USAA lied in its response about me getting access again. Untrue. After getting the confusing message I tried to access my accounts only to STILL BE LOCKED OUT. I called the USAA 1800 number told MY ACCOUNT IS RESTRICTED STILL. I asked for supervisor and told none are available and placed on a 15 min hold until I hung up. Does MS XXXX work at USAA? My next call will be to her " office '' )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 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 XXXXXX/XX/2021
Product: Checking or savings account

XX/XX/19 XXXX EST I received this text after placing my Wells Fargo Debit card in a malfunctioning Card Reader at a Fuel Pump at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX GA. 

The text was from XXXX ( XXXX ) XXXX and reads as follows : 1 of 2 FRM : Notices SUBJ : XXXX XXXX, Your curent accounts are on_HOLD, reactivate your accounts ( Co n't ) 2 of 2 at, imediatly go to : XXXX XXXX XXXX Regards XXXX XXXX ( XXXX )
Product: Credit reporting

I was XXXX I visited XXXX and as a federal employee there is a co-pay paid up front of {$35.00}. This was paid and I received XXXX services. I went back to XXXX from my XXXX XXXX XXXX and XXXX sent out a billing that I did not receive since I was in XXXX. Upon my return in XX/XX/XXXX, I ran my credit report and saw an XXXX bill and paid the {$70.00} on XXXX XXXX XXXX ... 
from XXXX XXXX XXXX XXXX : XXXX XXXX/ONLINE PMT/XXXX XXXX XXXX /WEBWhen I saw this still on my credit report I contacted XXXX XXXX XXXX , Director of Financial Operations , XXXX who in turn contacted XXXX and advised them to remove from my credit report, XXXX acknowledged that they would ... I followed up with XXXX one year later since it was still showing on my credit report. XXXX stated it would be taken care of again.Currently it is on my credit report with TransUnion under XXXX, XXXX. XXXX stated they called XXXX to have them remove immediately, yet XXXX has now removed this item, and Trans Union is now showing as a collection and a balance due of {$70.00} with XXXX and not XXXX. Trans Union is not using due diligence and is ignoring both me and XXXX. 
I am attaching my XXXX Health report that states the following:1 ) Visit to Doctor XXXX : which XXXX has on their data records and which has been paid to XXXX of XXXX on XXXX XXXX XXXX upon my return from XXXX , which XXXX confirms payment for Doctor 's XXXX ( see XXXX attachment ) 2 ) Visit to XXXX XXXX : which XXXX has on their data records shown as Doctor XXXX XXXX which has been paid on XXXX XXXX XXXX upon my return from XXXX , which XXXX confirms payment for Doctor 's XXXX ( see XXXX attachment ). 
XXXX I am also attaching a billing statement from Doctor 's XXXX dated XX/XX/XXXX that also shows a {$0.00} balance!!!! 



There are no other visits to any XXXX since I was only home for XXXX weeks at a time and have been XXXX since XX/XX/XXXX. The XXXX Health report goes back to XX/XX/XXXX. 

Product_Or_Service : XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to Equifax on XX/XX/XXXX. Disputing late payments on my credit report. I challenged the XXXX of my credit report also Dates XXXX XXXX  days later they sent note back saying it came back verified. Over XXXX months later. I asked for proof of verification, who they spoke to, letter showing I made a late payment.
Product: Credit card or prepaid card

I was not receiving statements from Synchrony bank and I confirmed this over a recorded line with a XXXX Store Card customer service representative during a call placed at XXXX XXXX  to XXXX. The gentleman who answered acknowledged my payment was made on XX/XX/2021 but had not processed in Synchrony Bank 's system by XX/XX/2021. He reversed my late fee and referred me to someone to increase my credit line, but they could not help Unfortunately because my account still showed as delinquent due to the slow processing of my payment. I was referred to a portfolio manager XXXX. 

Unfortunately, XXXX stated my credit line was closed due to a lack of mortgage and high balances. This seemed like a coincidence to my delinquency. I made a purchase on a delinquent account credit card that I had not received a statement on. I thought I received promotional financing for a XXXX phone at 0 % interest plus the first three months at XXXX dollars. Since I did not receive a statement I did not know the account was delinquent. Syncrony approved the charge for my new phone however and I have not opted into any such service that would allow them to do so. This is a violation of consumer protections. Further, I lost the XXXX financing promotion as disclosed to me because the account was delinquent.
Product: Debt collection

I was incarcerated for 4 years and once I was released I tried to set up a payment plan but was told that i could not and would be sued, wages garnished etc. 
When they would call, my mother told them that I was in jail and tried to make arrangements to make payments for me but they could not give her any information.
Product: Credit reporting or other personal consumer reports

I saw an inquiry on my Transunion credit report that I did not authorize on XX/XX/2023. I checked my credit reports after I received some emails congratulating me on being approved for a new credit card. An inquiry from XXXX XXXX appears on my Transunion credit report now. I attempted to contact the company supposedly behind the issuance of the card and I am not certain that I made the correct move and that they were the proper contact. I can't bring myself to fully trust them or my efforts, so I am told by a Transunion representative to file a formal report. They want me to provide them a copy of the report so that they can proceed with their investigation. This company told me that they had not sent a card out yet, but if it is mailed it should not be active. I am quite not sure how that works. I immediately put a security freeze on at all 3 credit bureaus. I hope that I will be able to remedy this as soon as possible. I have never applied for credit cards that charge annual fees and the interest rates are bad enough if you do not have stellar credit scores. In the future, I will maintain a security freeze on all my reports and I encourage others to do the same. Please assist accordingly. 
Thanks!
Product: Credit card or prepaid card

Kohls account # XXXX will not close account date closed XX/XX/2016 and remove from my experian credit report. Account is over XXXX XXXX XXXX. I spoke to several times with no outcome of resolving this issue. They continue to report to credit bureau as active account charge off which is incorrect. Also stated they sent my account to a collection agency with no info on that agency to give me. Kohls also stated they have no access to my account but continue to report it to experian. Please resolve my issue promptly thx
Product: Debt collection

I, my brother, and my daughter ( on my phone ) recieved threatening phone calls from a supposed law office representing ACE Cash Express, that if I did not pay that I would be charged with attempting to defraud a financial institution. The phone caller said specifically on each message that I would be charged with fraud. That is defamation of character and illegal collection practices. When I did call them to try to make arrangements, the man on the phone was disrespectful and again threatened me with a felony for not paying a debt.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX has reached out to these companies stating that I have no knowledge of these unknown fraudulent inaccurate negative accounts. I disputed these accounts and requested verification from these companies but they have failed to do a complete an investigation and provide me with any signed contracts, acknowledgements with my written consent, and any individuals names that were interviewed doing the investigation process. It is noted on both unknown fraudulent accounts that these items were disputed by consumer but meets requirement of the FCRA. Experian, XXXX, and XXXX is ignoring and violating me as a consumer and did not complete a FAIR investigation within 30 days on my behalf which is a violation of my consumer rights. Before these credit monitoring services report any information by LAW they are supposed to make sure that they have my written consent and that anything reported on credit report is supposed to be XXXX Percent ACCURATE!!!! Each of theses credit monitoring services are reporting something different which is illegal. These unknown fraudulent negative accounts has caused my family and I embarrassment, financial hardships, and mental anxiety due to being declined credit.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

ONEMAIN Financial got my data without my consent, my credit report with creditwiseXXXX XXXX. Doing a hard inquiry and taking my personal information.
Product: Debt collection

I get an average of XXXX calls a day from all different numbers. It is a credit card I can not pay at this time. ( XXXX credit card ) But now I am getting random charges on my debit card and my last credit card for random things I did not purchase. I think it is the credit company trying to garnish my wages by making it look like just everyday purchases. My debit and XXXX credit card have now been shut down due to these fraudulent charges. This has made it hard to pay or purchase ANYTHING. Even gas at this point. If it is them, that can not be legal. I want to press charges.
Product: Debt collection

Collection attempt is being made for a medical bill from a provider that I have not seen since 2009. I contacted the medical provider and confirmed that I had no outstanding bills. I have request contact from the collection company through faxes and USPS and have not heard from them.
Product: Mortgage

I requested loan modification numerous times since XXXX and provided all required documents and verified and was to to wait for results. My forbearance ended in XX/XX/year> and called the services to inquire again about the modification and forbearance and was told it was located and still being processed. I ask to make a $ XXXX payment on a $ XXXX balance and set a payment arrangement and was told, either I pay the debt in full or wait for the modification to complete and that the services will not accept partial payments or any kind. I kept inquiring and send other documents proving financial hardship due to work FMLA. Servicer referred my loan for collection and now alleges that they do not have any modification request and forbearance from me whereas my application was received multiple time and documents were emailed to the loss mitigation department also numerous times. I continue to reach out to the loss mitigation department with the Hurricane Buril relief program and other VA relief programs and get no replies to this day. I am losing my home due to deceptive practices from the loan servicer and need help to mitigate.
Product: Checking or savings account

-XX/XX/XXXX : was supposed to get a refund of over 300.00 from Delta Airlines credited to my account. This has not happened. 

XXXX XXXX : cash deposits not immediately credited XXXX XXXX to present : rent and car loans repeatedly submitted and rejected, causing multiple insufficient fund fees and late fees XXXX XXXX to present : debits and credits posted in an irregular fashion
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the collection agency but the bureaus, in my opinion, hold some responsibility also. The only reason I know about this is because I received an alert from my credit monitoring service to a new collection reported. I have been working on my credit and was getting much better. Real quickly, my monitoring service just posted a collection from XXXX XXXX XXXX account # XXXX. I looked them up online and they seem to be out of XXXX XXXX. The collection shows online that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$11000.00}. I never received a phone call nor any letters from this company which I filed a complaint about. Additionally, the bureaus are showing as a voluntary repossession from XXXX XXXX XXXX XXXX, account # XXXX, with a balance of {$12000.00}. The issue is now I have 2 negative items both showing a balance owed for the same thing, and both are effecting my debt to credit ratio twice for the same debt. My understanding is the credit bureaus can not report a balance from an original creditor after it is sold to a collection company. The balance has to be XXXX XXXX out from the original creditor. Otherwise, the original creditor shows a debt owed, the collection shows a debt owed for the same debt and I get penalized twice on my debt to credit ratio. I am in the process of getting a loan and this is the last thing I needed to happen.
Product: Mortgage

Under Federal Law I have the right to bring to your attention errors regarding my loans and servicing of them. I have done that and CIT has sent me an incomplete accounting regarding these HELOC Loans. See attached letter to CIT XXXX. As of this date I have not received the requested information to fill in the missing accounting gaps. 
CIT is in violation of Federal Banking Laws and continues to fail to produce the documents requested. They also have not reimbursed me the funds regarding check # XXXX {$50000.00} twice for a total of {$100000.00}.
Product: Money transfer, virtual currency, or money service

CASH APP NEVER REFUNDED ME ON MY ACCOUNT ( EFTA ), ELECTRIC FUND TRANSFER ACT,
Product: Checking or savings account

On XX/XX/year> at about XXXX am I went to the chase branch near my house and tried to deposit {$1000.00} all in hundreds. The atm gave me an error message, kept the cash and didnt even give me a receipt
Product: Debt collection

XX/XX/XXXX Resurgent Capital Services/ LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Disputing error [ XXXX ] on credit report To Whom It XXXX Concern, I am writing to request immediate deletion of the following information that appears on my XXXX XXXX XXXX and XXXX consumer report : Dispute 1 On XX/XX/XXXX, I responded to your representative XXXX email asking for validation of the debt specifically the original contract bearing my signature that would indicate that I owe Resurgent/LVNV Funding the debt. I also specified 30 days as a reasonable time for you to do so and requested that you cease all attempts to contact me and to delete all credit additions made to my credit reports. 

It has been more than 30 days, you have not responded with any information that indicates that the debt is valid and XXXX, XXXX and XXXX reports have not been updated with this deletion. 

Dispute 2 There are no active Licenses of any Collection Agencies in the State of Arkansas for Resurgent Capital Services or LVNV Funding. 

CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. 
Thank you for your assistance. 

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

I have written to equifax on XXXX and XXXX and they continue to ignore my diputes of inaccurate and unverifiable information on my credit report by ignoring me. I feel violated and it has defamed my character while in the process of purchasing a home for my family. I have written to equifax several times and it has been over 60 days since my first dispute. This was not sent in error, I am a consumer by law and my information is being misused. The two accounts of XXXX and XXXX are totally inaccurate and they have not verified it by showing me how they come up with those amounts.
Product: Debt collection

100 % this debt was satisfied with a hardship program offered by the medical institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute along with a FTC report to TRANSUNION and XXXX on XX/XX/2022 letting these companies know these accounts are fraudulent. They removed these accounts on XX/XX/XXXX and XX/XX/XXXX from my report. These accounts have been re-inserted on my credit report. My federal protected consumer rights are being violated due to the fact these accounts are fraudulent and also according to the FCRA I am suppose to receive a 5 day notice before re insertion prior to doing so and I did not receive anything.