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

This message goes out to XXXX and XXXX : My XXXX XXXX Credit card was reported inadvertantly or intentionally, out of cycle which caused my score to drop temporarily. As this week is when XXXX XXXX reports my account updates ( on the XXXX or XXXX ) this time, I expected all my FICO scores to rebound at a minimum to back to where they were prior to the misapp. 
Both TransUnion and XXXX have so far, but good ole XXXX has still not rebounded. The question is why? 

CFPB -> If I've made conspiracy-tpye assertions against XXXX, now you know why. Anyone truly studying my history with XXXX will scratch heads and go huuuuum. Why because there is always something going on with my XXXX credit profile that does not add up. 

My assertion is XXXX is on purpose teeter-toddering my score because they are targeting me for warning them of a massive class action suit that is for sure coming. That's the only explanation I can come up with as to why : - My XXXX score is so much laower than TransUnion - Small chnages have a minor impact on the the scores from the other 2 CRAS, yet can take a dive with XXXX - Credit limit advances seem not to matter with XXXX - XXXX was the only CRA that my XXXX credit card affected for being reported out of cycle. it did not occur for XXXX. How, XXXX reports to all 3? Hum. 

XXXX could attempt to make claims of busy operations and systems, however, everything is electronic, so updates are instant
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 The VA employment security commission deposited my unemployment deposit into my old checking account however I lost my old debit card with this account and I requested that Cash app send me a new debit card or resend the funds back to the VA employment security commission however they refuse to do either This is a nightmare. 

I have contacted Cash app in regards to my {$7100.00} deposit and they refuse to release my money to me. They refuse to mail me a debit card even after verifying my account. I have also filed a complaint against Cash App Corporation with The United States Treasury Department. I have been trying to get cash app to send or release my funds back to VA ESC .but they refuse to do either. I need your help to get my money. 

Cash app location : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Here is your requested information
Product: Prepaid card

Recently rush card had an outage or system update I 'm not sure really, but I did n't notice until I noticed that money was drastically taken off my card without my approval. I have tried contacting them numerous times but the only thing I was getting was a pick up and hang up.which was very odd. That 's when I got online to see if maybe there was another phone number available and seen that there were so many complaints, and so I happened to come across the consumer financials phone number. All I want is my money back as soon as possible. I have XXXX kids and I 'm a single parent and every penny I work for I DONT approve of it just being tooken away I mean who would? ... ..
Product: Debt collection

I received a Small Claims Summons from a company called XXXX XXXX I have never received correspondence from them before this. 
I have never done business with this company I do not consent to contract with this company
Product: Mortgage

We have gone to our mortgage lender on several occasions trying to get a lower interest rate with no success. We feel that we are victims of predatory lending practices. We need an interest rate that is more aligned to the market rate. Our current rate with Citi is 6.64000 %.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX # XXXX {$1100.00} XXXX XXXX XXXX # XXXX {$690.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$4800.00} XXXXXXXX XXXX XXXX  {$2200.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$860.00} XXXX XXXXXXXX XXXX XXXX XXXX {$780.00} XXXX XXXXXXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have a 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 card or prepaid card

I have been contacting Citi Bank in regards to my Preferred Master card account ending in XXXX to resolve simple issue related to my online access. Citibank customer resolution department and other related departments were unable to assist me or resolve issue with my online account due to unprofessional customer service team. My account has been enrolled into Debt Management program since XX/XX/XXXX. I contacted Citibank numerous times and spoke a few different service representatives from different departments including customer service, collections, customer resolution, and online support departments to resolve issue with my online account access. For some reason, Citibank collection department placed a hold on my account to view my online billing statements and the only way I can view my billing statements to receive them by mail. 
I spoke to Citibank on XX/XX/XXXX, and XX/XX/XXXX and prior times about my account. Their customer service, including XXXX department located in XXXX and their representatives are very unprofessional, rude, and lack of knowledge. I spent over one hour to speak to them and I was unable to resolve the above issue. The last supervisor from XXXX department located in XXXX named XXXX advised me since account is closed and set up into repayment program, I will not have access to my online billing statements and the only way to view my statements by contacting them and request them to be mailed to my address. This is absolutely unacceptable. I have a balance on my account and I still have access to my online account since that and I'm only able to view my balance and make my payments online. However, I'm unable to view my online billing statements. Online support department advised me that collection department placed a hold on my account and my account is past due. Regardless the status of my account, I will need to have access to my account online. All my attempts to resolve this issue and other issues related to my account were unsuccessful.
Product: Checking or savings account

On XX/XX/year> at XXXX XXXX  EST, I was shocked to receive a notification from the Chime app about a new card being added to my account when I hadn't requested one. After getting in touch with a Chime representative named XXXX, I was alarmed to learn that my account had been closed without my consent. Despite my request to speak to a supervisor, the closure was confirmed and I was informed that my funds would take 30 days to be mailed to me. This abrupt closure will have a significant negative impact on my credit score and financial commitments. 

The next day, XX/XX/year>, at XXXX XXXX  EST, my attempts to escalate the issue were equally frustrating. A new supervisor told me that I wouldn't be able to open a new Chime credit builder account and the closure was irreversible. This is distressing since this account was crucial for my financial management and credit rebuilding. 

I am deeply disappointed by Chime 's handling of this matter and the impact it has had on my financial well-being. It's concerning that it has been over 90 days and I still haven't received my funds from the closed account. I sincerely hope that Chime prioritizes this issue and provides better support in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

After suffering an incident of identity theft, I placed a fraud alert on all XXXX credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, Exeter Finance Corp did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to all XXXX agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at Exeter Finance Corp to no avail as well. I never consented for  anyone at Exeter Finance Corp to access my credit files nor was I contacted by Exeter Finance Corp to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by Exeter Finance Corp be removed from all of my credit reports.  Please see below for which inquires I am requesting to be removed : XXXX : XXXX and XXXX
Product: Checking or savings account

On multiple occasions my withdrawals were rearranged causing my account to go negative.
Product: Credit reporting or other personal consumer reports

I want XXXX XXXXXXXX to reduce the amount owed and report it to the credit bureau the correct amount. The fact that they have refused to acknowledge my payment and report accurately is a violation of my rights 15 U.S.C 1681 The fair credit reporting act finds them committing several violations. XXXX dollars was paid towards a balance. The representative saw the proof that i submitted in the last complaint and has decided to ignore this and it is against the law stated above. So I demand cooperation from XXXX XXXXXXXX or I will seek compensation for the violations Especially my credit score dropping XXXX points for their illegal actions against my credit worthiness at the very bottom of the picture proof attachment you see the payment of XXXX dollars was received
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and there is currently a charged off XXXX XXXX account ( XXXX ) being reported to my Equifax that I did not create. In my most recent dispute, I requested Equifax block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have sent Equifax a copy of an identity theft police report I filed with my local XXXX XXXX XXXX XXXX office on more than three separate occasions. To this date, the only generic response I have received is that the account has been " verified '' and will not be deleted. In my most recent dispute, Equifax even refused to move forward because they are claiming that I have not sent them proper identification. I am using the same information Equifax is reporting on my credit so this is clearly bogus and just a delay tactic to make me have to wait even longer. XXXX XXXX itself has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because Equifax is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure Equifax is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am attaching a section of a recent credit report which shows how this account is only being reported to my credit by Equifax. XXXX and XXXX do not have this on my report. They deleted all records of this account because it was opened as a result of identity theft. How can XXXX and XXXX get a different dispute result for the same dispute I am sending to Equifax?
Product: Debt collection

Commenity/ Ulta has refused to remove from my credit report that I'm owing {$690.00} even though they have not/ and refuse to verfiy the debt or provide me proof of actual charges. They have been falsely claiming that I owe {$690.00} and made the false claim payments have been late since XX/XX/year>. So for a little over 18 months without verfiying the debt or sending me proof of the debt they have made these intentionally derogitory reports to all three credit bureaus. I do not know why they are saying this is owed. I need to know what the charges are and why, otherwise they need to stop making the false claim of money owed and stop reporting derogitory reports on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter dated XX/XX/2019, from a company called Synergetic Communications , Inc. saying I owed a balance of {$13000.00}.

I never had a balance of that and check my credit daily never seen anything, I called for more information and no information was given to me I do not want this negatively affecting me and my credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I spoke with a TransUnion representative who stated that by XXXX  the inaccurate Bankruptcy that TransUnion is reporting would be removed by today XXXX  XX/XX/XXXX. I called today to follow-up because TransUnion continue to report this inaccuracies after being provide proof of the inaccuracies. I was told today that the bankruptcy would not be removed until XXXX. I stated to the agent that that's incorrect and that I was told that this bankruptcy would be removed by today XX/XX/XXXX. I asked to speak to the supervisor and explain to him what was going on and what was told to me on XXXX. The supervisor proceeded to lie and state that the court house verify the information. I can provide a letter that has been provide to TransUnion several times stated that the court does not report to the credit agencies, and because they don't report can you ask TransUnion what court that they are getting this fraudulent information verify with. TransUnion continue to report this bankruptcy of my credit file to damage my credit worthiness and to ruin my reputation. TransUnion is attempting to bully me as a consumer to give up with the dispute process of them reporting inaccurate information. Under the FCRA, I has the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. TransUnion continue to state that the court has verified this said bankruptcy. I have attacked a letter from the court stating that they don't report.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX XXXX on XX/XX/2022 I didnt not consent for this hard inquiry on my report I have no knowledge of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX for 6 months with my direct deposit from work going in every week for XXXX one day i deposit a check of my daughter supposed payroll for XXXX they gave me XXXX in advance available 3 days later they close my account because it was a fraudulent check they charge me the XXXX  out of my direct deposit that came that week and gave a check 3 weeks later for XXXX i don't care about the account being close with them they terrible what i care is they report me as fraud to XXXX XXXX and early warning and because of this i can't open another account this is not fair i paid them what it was own and that check wasn't mine it was from my daughter online employer i was doing her a favor where is the fraud there? Now all the banks think i do fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been in touch over the past few months with the credit bureaus in regards to accounts appearing on my file that were established with my consent. Transunion continues to report fraudulent account ( s ) ( XXXX XXXX ) which was included in my identity theft report. For some reason this account still remains on my credit file without any accurate verification as per required from the Fair Credit Report Act not to mention it has been well beyond over 30 days. I have yet to have receive documentation form Transunion obligating me to the account mentioned above. I find this as a complete violation of the FCRA and my consumer rights. This account should have been blocked within 4 days of receiving my dispute. Transunion must adhere and be held accountable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act The following 3 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A Right To Privacy. 15 U.S.C 1681 Section 604 A Section 2 Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions ( 1 ) XXXX  XXXX Account Number XXXX ( 2 XXXX XXXX XXXX XXXX XXXX account number XXXX ( 3 ) XXXX XXXX  Account number XXXX ( 4 ) XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Remove the fraud alert from XXXX, XXXX, Experian immediately annul all inaccurate information on my consumer report.s. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX, XXXX, TX XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate! 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report. 
Sincerely, XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, PENN CREDIT CORPORAT add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXXENN CREDIT CORPORAT has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to you today to express my concern about the inaccurate information that is still being reported on my credit report despite my previous attempts to dispute it. The account in question is for XXXX XXXX, and it is being reported derogatory across all three major credit bureaus : XXXX, Experian, and XXXX. 

I first noticed this inaccurate reporting in the fall of XXXX and immediately contacted the credit bureaus to dispute the information. The account had been charged off as bad debt, and it was reported as being purchased by another lender. However, the account balance was reported as unpaid, which was not accurate. The account had been settled in full, and there was no balance owing. 

Unfortunately, despite my dispute, the inaccuracies continue to be reported on my credit report to this day. The most recent reporting in XX/XX/XXXX shows that the account is still derogatory and that it has been sold to XXXX XXXX XXXX XXXX XXXX 

I am writing to request your assistance in resolving this matter. I have taken all the necessary steps to dispute the inaccurate information, but it seems to have fallen on deaf ears. I believe that this inaccurate reporting is unfairly affecting my credit score and could impact my ability to obtain credit in the future. 

I would greatly appreciate your help in getting this matter resolved. If there is any additional information that you require from me, please do not hesitate to contact me. 

Thank you for your attention to this matter.