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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

I am writing this letter for the simple reasons that you are reporting erroneous fraudulent items on my credit history without my consent and incorrectly. I have already made an identity fraud report with the XXXX police and XXXX I want and hope they remove the fraudulent items below. 
Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Investigate and remove from my report. It is my understanding that you will recheck these items with the creditor who has posed them. 
Please removo any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. By thine provisions of the Fair Credit Reporting Act, I demand that these items be.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX ) I sent a letter regarding inaccurate XXXX  payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you 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 reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that is appearing on my credit report specifically related to an Apple Card account, which I believe is the result of identity theft. This inaccurate information, including inaccurate dates associated with the account, is negatively impacting my credit score and my ability to obtain credit. 
Details of Inaccurate Information and Identity Theft : * Stolen XXXX and XXXX XXXX : My XXXX was stolen on [ Date of theft ], and I believe my XXXX XXXX  information was accessed and used fraudulently as a result. I reported the theft to [ Name of law enforcement agency ] on [ Date of report ] ( Case number : [ Case number, if applicable ] ). 
* Unrecognized Account : My credit report shows an account with XXXX XXXX XXXX  XXXX that I have no knowledge of ever being opened. I did not apply for or authorize this account. 
* Inaccurate Dates : The dates associated with this XXXX XXXX account are inaccurate. I have never possessed an XXXX XXXX, so any dates related to account opening, alleged use, or charge-off are incorrect and should not be on my credit report. 
* Charged-off Status : The XXXX XXXX account is listed as " charged-off, '' indicating a loss due to non-payment. I have never had an XXXX XXXX, so I could not have missed payments. 
* Late Payment History : My credit report shows a low percentage of on-time payments, which is inaccurate. I have always paid my bills on time, and this incorrect information is likely associated with the fraudulent XXXX XXXX account. 
* Conflicting Information : While the XXXX XXXX  account is listed as " charged-off, '' the " Charge-Off Amount '' field is marked " Not Reported '' across all three credit bureaus ( XXXX, XXXX, and TransUnion XXXX. 
* Failure to Investigate : I have contacted [ Name of entity you reported the theft to, e.g., XXXX, XXXX XXXX ] on [ Date of contact ] to report the theft and unauthorized charges on this XXXX XXXX account. They have refused to investigate this matter. 
Requested Action : I request that the Consumer Financial Protection Bureau investigate this matter thoroughly, including the potential identity theft and the refusal of [ Name of entity ] to investigate my report. Due to the extent of the inaccuracies, I request that all information related to this XXXX XXXX account be deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 
I am also requesting that the credit bureaus ( XXXX, XXXX, and TransUnion ) provide me with proof of the legitimacy of this XXXX XXXX account, including any documentation that links this account to me. 
I have attached a copy of my credit report with the disputed items highlighted. I am also willing to provide any additional information or documentation that may be helpful in resolving this issue, including a copy of the police report regarding the theft of my XXXX. 
Thank you for your time and attention to this matter. 
Sincerely, [ Your Signature ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts : XXXX XXXX with Trans Union XXXX XXXX XXXX with XXXX, and XXXX XXXX with 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I'm a survivor of wholesale fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data straightaway would be extremely valuable. We are hoping to purchase a house. Kindly assistance
Product: Credit reporting or other personal consumer reports

Experian TransUnion and Equifax refused to disclosure the full file of collected information and its sources of that information about the consumer. This is a violation of 15 U.S. Code 1681g. Inaccurate credit score data was shared with lenders, which led to damages. I can not access an accurate or consistent report online violating FCRA 605B ( 15 U.S.C. 1681 c-2. Experian, TransUnion and Equifax conducted inadequate investigations failing to address my request to remove all inconsistent and unfair information on my consumer report violating 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan with Bank of America balance as of XX/XX/2022 is XXXX and is totally current with the next payment due on XXXX XXXX, 2022. XXXX shows a loan balance of {$160000.00}, which is {$3800.00} higher than the current balance. This caused my XXXX score to fall XXXX points ( it should have been XXXX points ), from XXXX to XXXX overnight at Bank of America and XXXX points at XXXX XXXX XXXX. XXXX was the one that advised me of my drop. 

I contacted XXXX as per their instructions and the told me that it was a Bank of America issue and that I should contact them. I tried doing so but no living person answers my calls or messages. Bank f America shows a drop of XXXX points ( sic ) and XXXX shows XXXX, which is not deserved but at at least they can add and subtract correctly. 

I am considering terminating my relationship with Bank of America because : 1. They make many mistakes, which you will be able to see in my previous complaint to you and, 2. It is impossible to get them to answer a call or message. 

PLEASE! HELP!!!!!!!!!!!!!
Product: Checking or savings account

I recently discovered that fraudulent accounts were opened in my name, and now I'm facing significant challenges in opening a legitimate bank account. Despite my efforts to rectify the situation, the unauthorized accounts have created a confusing and frustrating roadblock. I've contacted various banks, but they all seem to reference these fraudulent activities, leaving me feeling helpless and anxious about my financial future. Its disheartening to know that someone misused my identity, and now Im left dealing with the consequences while trying to regain control over my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It XXXX Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

Remove from all 3 credit bureaus and stop reporting false information.

Fair Credit Reporting Act ( FCRA ). The Consumer Financial Protection Bureau ( CFPB ) amended Regulation V to specifically prohibit credit reporting agencies from including medical bills on credit reports sent to lenders, who are also banned from considering medical debt in credit decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity was stolen, and a person unknown to me opened an account with HSBC Bank. I have informed HSBC Bank, that I did not open the account, and the unpaid balance on the credit card, is not mine. However, they are not paying attention. They continue to report to the Credit agencies, that I owe them money. Hence, my credit score is severely affected.
Product: Debt collection

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. This company did not follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Product: Debt collection

I am writing this letter in the hopes that you will help me with this unfair and overwhelming Situation that I find myself in. I believe now that these original credit card balance that it was paid off .I have been paying this Citibank credit card, original account # XXXX since 2008. Almost 10 years later. Citibank still want to keep charging the same amount by XXXX is illegal and violated my rights as a consumer & my civil rights. I will list below some of the issues and facts that are the most obvious and reference which laws were violated By them. 1. Predatory credit card Lending :, Treats about ruining my credit report. 1 a. Flipping and charging interest so my balance never go down and still the same over 10 years : The practice of encouraging customers to frequently refinance balances and loans solely for the purpose of earning loan-related fees : 1 loan and balance 2 flipped loans and balance with fees and very high interest rollovers. 1 b. Risky loan terms and structures : The practice of making credit card balances with terms or structures that make it more difficult or impossible for consumers to reduce their indebtedness. Citibank Cycle of Debt : Citibank used illegal debt collection tactics to create a false sense of urgency to lure overdue borrowers into debt traps. Citibank use XXXX debt collector to claim {$10000.00} They would encourage overdue consumers to temporarily pay off their loans and then quickly re-borrow from them again. Even after conveying to them that I could not afford to repay the balance, Citibank would continue to pressure me into taking on more debt only making me paying minimum balances for 10 years but the balance never goes down. I would pay new fees each time they took out another balance from them. I am sure you will find that Citibank created a false sense of urgency to get delinquent borrowers to take out more balances in the credit card is abusive. Abusive Acts or Practices : Section 1031 ( d ) ( 2 ) ( B ) of the CFPA ifit takes " unreasonable advantage of ... the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or Service. '' 12 U.S.C. 553 l ( d ) ( 2 ) ( B ). Citibank has engaged in unfair, deceptive, and abusive practices in connection with its collection of credit card loans in violation of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( l ) ( B ). Citibank want to transfer that to debt collector company XXXX the amount of {$10000.00}. Citibank balance account a total of {$10000.00} after paying for 10 years minimum of {$150.00} payments, it never went down and I paid back to Citibank around {$18000.00} in 10 years, almost {$10000.00} more! and they want other {$10000.00} more!
Product: Credit card or prepaid card

Hello please read the chat attachment that I had with XXXX XXXX the supervisor. I was told that if I made the payment within the 30 days I would be reimbursed by TWO of his CSRs. I was not able to make a payment before the promotion expired because their system showed my promotion paid when honoring my 1st expired one. But then when the next billing cycle issued it retracted all the payments and I was charged interest for the {$410.00} promotion then I was told conflicting information by the supervisor that it was a one time credit. This supervisor was condescending and unprofessional. I want to make it known how this was handled. The XXXX site for Care Credit logs you off if it shows no activity, but I always clicked yes when it would ask are you still there, but it cut me off without notice. Not once did this supervisor call me back even though he had my cell phone number. I tried to rechat again and the chat stated the chat service was down. I can not call as I am working and the chat feature is the only option that is feasible for me during work. So I emailed the message center twice. They all assured me I could make the payment, but when chatting today with the supervisor he gave me the runaround and was just a rude XXXX. He did not want to help me. There is A LOT of financial hardship that I am going through at the moment with COVID19 and I thought CARE CREDIT actually gave a XXXX about their customers. I actually had to BORROW money from my MOM to pay this, but when I saw that the system allocated the payment to it. I thought all was well until I checked my account a day after it closed. Then I saw they had taken all the payments back as I was not aware that is how their system works and not once did they tell me about this, but I had the money to pay both in full since I borrowed the rest from my mother. I was not treated fairly and it is not acceptable. I am truly disgusted and angry. I want this escalated to their corporate. Please see the full chat logs and messages.
Product: Credit reporting or other personal consumer reports

I am requesting that these unauthorized inquiries be investigated and removed from my credit report promptly. Please find attached any necessary documentation to assist in resolving these matter. 
XXXX XXXX  XX/XX/XXXX EXPERIAN XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf.
Product: Checking or savings account

There was a Federal withdrawal which Chase does not know what that is. Taxes are not due till XXXX and I filed extension. Chase closed my account because I asked what this withdrawal was. There also are outstanding charges I asked Chase to remove for a year which go unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$0.00} XXXX {$14000.00} XXXX  XXXX {$1300.00}
Product: Student loan

I am on a repayment plan that requires me to renew my loan every 6 months. I began calling in XX/XX/XXXX to renew my rate reduction plan. I called a total of 3 times and each time was directed to call back later in the month, or the following month. The last time I called, which was in the beginning of XX/XX/2018, I was told I did not have a payment due in XX/XX/XXXX. I was told then to call back again in XX/XX/XXXX to renew my rate reduction plan. 

In the beginning of XX/XX/XXXX, I began receiving calls from Navient ( but they never left a message, so I didnt realize my loan was past due ). On Friday XX/XX/XXXX I logged on to the Navient website to download my tax form and saw that my loan was past due which didn't make any sense since I was told I didn't have a payment due in XX/XX/XXXX. 

I spoke to Navient today, and I was given two options : I could go into forbearance for the last payment, or I could pay the past due amount today. Since I live paycheck to paycheck due to my large amount of school loan payments, the previously allocated payment money went towards other expenses. 

I don't think I should have to pay extra capitalized interest on a mistake that was not mine. I made several attempts to keep my account in good standing and to renew my payment plan. I have not missed any payments or paid late in several years. I'm doing my part.
Product: Credit reporting or other personal consumer reports

The companies frequently put hard inquires on my credit report without my consent I have tried reaching out by calling them on the phone and that they didn't even try to remove these hard inquires off my credit report.

Also, since I called TransUnion credit bureau now if I pull up my credit report they removed all information containing the hard inquires therefore I can not see anything now. Equifax *  XXXX XXXX XXXX inquiry - XXXX XXXX XXXX XXXX XXXX inquiry- XXXX XXXX * XXXX XXXX XXXX XXXX  inquiry- XX/XX/year> *XXXX XXXX  inquiry-XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX