23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's le be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will ght back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be conrmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more condent in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and veried information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$3600.00} XX/XX/XXXX NOT PPROVIDED XXXX - XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX A. XXXX 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

The loan servicing company, Loan Care or XXXX, for my mortgage with XXXX XXXX has been non responsive to my requests to begin the process of closing my loan so that I may complete the sale of my coop apartment. I wrote to the company, specifics below, to request the initiation of this process in XX/XX/2021 and have yet to receive a response. Below ( and attached ) are my attempts to reach the company : -- XX/XX/2021 - wrote to company via " Contact Us '' page on website -- XX/XX/2021 - reached someone at the company via phone who said that the system projects that I will receive a response by XX/XX/XXXX. I did not receive a response. 

-- XX/XX/2021 - wrote to the company again via " Contact Us '' page on website. No response. 

-- XX/XX/2021 - my attorney contacted Loan Care to ask for the procedures and closing agent for my loan and was told I need to authorize her access -- XX/XX/2021 - I sent a letter authorizing my attorney to access this information on my behalf. No response. 

-- XX/XX/2021 - my attorney learned the name of the lendor 's XXXX XXXX  and contacted them to request the closing documents. No response to date other than the request was received. 

The contract for my apartment was signed in XX/XX/2021, and the closing is now almost two months past the projected date and I am in danger of losing the sale.
Product: Credit card

See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.
Product: Debt collection

Rent recovery date assigned XX/XX/2020 has been on my credit file saying that i owe them {$6800.00} and i never did business with them but they are reporting on my credit reports with negative information trying to collect a debt.
Product: Credit reporting

There are several inquires listed through a company named XXXX. I did not give anyone authorization to pull my credit XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. I am disputing this and disputing with the actual company. This has to be against the law. Why would anyone pull there credit three times in one month.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts of me asking Experian to investigate this account for inaccuracies and violations they're still reporting this account as accurate and no violations reporting. As of today I still see different information reporting throughout all 3 credit reporting agencies. This is a violation pursuant 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report, in which Experian must provide the same information as the XXXX and XXXX. How can all XXXX credit reporting agencies report different information on the same account? I'm aware that I have the right to opt out from this information being reported to any non-affiliated third party in which I was never giving that option nor was I ever explained how I could do so. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, ( b ) Opt out, I would like to opt out from this information being reported to Experian. Because this account is under multiple violations and report multiple inaccuracies, I ask that you remove this account from my consumer report pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( 5 ) Treatment of inaccurate or unverifiable information.

Violations reporting : 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report 15 U.S. Code 1681 - Congressional findings and statement of purpose, Section ( b ) Reasonable Procedures 15 U.S. Code 1666 - Correction of billing errors, Section ( b ) Billing Error 15 U.S. Code 1681a - Definitions ; rules of construction, ( 2 ) Exclusions
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.
Product: Credit reporting or other personal consumer reports

I have been reading out to Experian to help me remove these hard inquiries that were should not be on my account because I have not allowed anyone to run my credit. they tell me to call each company individually and ask them to remove it from my report. each place is unwilling to remove it from my credit and are giving my problems about who to speak to and how to remove these inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. XX/XX/XXXX I submitted letters to prove that i was a victim on the Equifax data breach and was iqnored and would like my letters to be investagated proplery.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, they are not mine, they are hurting me, please review them Identity Theft Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

to whom this may concern I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status Furthermore, the IRS has directed me to file Form 3949A for illegal tax violations upon your company to resolve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

NEED to provide proof that I have given authorization of an accounts on XXXX/XXXX/2021 on my file. This letter is to notify It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on XX/XX/2021. The items I need deleted are listed in the report. I stated I an a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( accounts. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the accounts in 15 days I will XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, Earlier this morning I applied for the HSBC Cash Rewards Mastercard. I got to the Authentication Interview and, after answering the questions successfully, the application pended for further review ( I'm guessing somehow one or more questions were wrong/XXXX has not been fully verified? ).

I just called HSBC and got to an agent named XXXX to get the matter resolved ( I believe overseas ) who advised me that I would have to wait up to 21 days for the final decision. The call took place at approximately XXXX XXXX EST on XX/XX/18. Instead of clearing XXXX with me over the phone or advising me of what I need to send in, he told me that I just have to wait, which is unacceptable. I am looking to use the card sooner rather than later with holiday shopping, and I do not want to wait 21 days. I also thought the rep was very rude. I even advised him that I would be submitting this complaint if we kept going in circles and he didn't care. Then, at XXXX XXXX a manager called me back, apologized, but reiterated there is nothing that can be done, so I reluctantly gave up and just decided to submit this complaint. 

I'd like to have this application reviewed as soon as possible. I understand that there is a log of apps in your pipeline, but when a prospective customer calls in and advises of extenuating circumstances/stresses the need for a more immediate review, the answer should not be " tough ''.
Product: Credit reporting or other personal consumer reports

I obtained an unsecured personal loan for the amount of {$9100.00} with the XX/XX/XXXXXXXX XXXX XXXX ( GECU ) which I missed XXXX payment during the covid crisis and XXXX sent me to a collections agency. I set up automatics payments with the collections agency a firm by the name of XXXXXX/XX/XXXXXXXX which XXXX referred me to. I payed timely and never missed a payment and have completed my payments since XX/XX/XXXX. XXXX has been reporting me as delinquent since XXXX reporting negatively on my credit even though I have been paying back my personal unsecured loan. I called XXXX on XX/XX/XXXX and they told me to call the collections agency to clarify why I have been continuously reported as delinquent, I called the agency as well and nobody could give me a solution nor do they make themselves responsible for reporting me delinquent for all this time.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

The address XXXXXXXX XXXX  is inaccurately reporting on my credit profile which is a violation of my consumer rights. The correct address, attached, is not on my profile. This needs to be removed as soon as possible.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me.
Product: Debt collection

Continued harassing calls threatening t call the police and file charges for a XXXX XXXX XXXX pay day loan debt. Caller is rude, yells and uses profanity
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a false account of {$360.00} from XXXX XXXX XXXX in which neither never notified me in writing or verbally of. I have contacted XXXX XXXX XXXX XXXX XXXX numerous times & was never made aware of {$360.00}. XXXX submitted the {$360.00} in retaliation for an issue in which they were liable for a broken water heater in cased completely in a wall that damaged a lot of my clothing, shoes, and other items. Mold resulted in the walls & vents. I never paid late or owed XXXX XXXX XXXX any amounts. 
XX/XX/2020 XXXX XXXX I was on an 18 minute call w/XXXX  to dispute this account and the rep stated it would take 30 days to investigate. XX/XX/2020 XXXX XXXX I received an email from XXXX stating the dispute was completed. I called XXXX  and was told the collection verified but no legitimate proof was ever provided by XXXX XXXX XXXX or XXXX  to verify their false claim. XXXX is unjustly closing out disputes on behalf of the collection agency without proof or properly investigating. Im unable to dispute online with XXXX and wasnt provided a reason why when I called. I called XX/XX/2020 XXXX XXXX on 22 minute call to report the dispute was never properly investigated and closed in less than 12 hours violating my rights as a consumer. I have made multiple calls to XXXX with no justified resolution. 
XX/XX/2020 XXXX XXXX I was on a 21 minute call with EXPERIAN to dispute XXXX XXXX XXXX and was informed it would take 30 days to investigate. I asked for a confirmation # but the rep didnt have one for me and I was told I could upload documents to Experian online although the system doesnt allow me to dispute online. On XX/XX/2020 XXXXXXXX XXXX  I received an email stating this dispute was resolved however no legitimate proof or any documentation was provided from the collection agency or Experian. Experian failed to properly investigate this dispute or request any factual documentation from the collection agency to verify. These credit bureaus are violating consumer rights by not properly investigating disputes or requiring collections agencies to provide documentation before affecting the consumers credit negatively. The credit bureaus are only verifying the word of these predatory collection agencies. I have made multiple calls to Experian with no justified resolution. 
The same occurred with XXXX when I previously submitted a dispute for this same collection agency. No documentation or verification was ever provided by the collection agency to the credit bureaus.
Product: Checking or savings account

For some reason I can't link to my back account and I need it linked
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another 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 an alleged fraud or extortion. 
XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX  XXXX XXXX Balance : {$1700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ; XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX
Product: Credit card or prepaid card

For nearly a year now I have been charged {$14.00} on the third of every month from XXXX for a XXXX  membership. My XXXX XXXX  membership is a student yearly, not monthly. Upon looking into these charges further, I found an unknown and fraudulent account had access to and was using my credit card to subscribe to these monthly charges. XXXX is not able to remove my credit card because of the lack of profile verification, and Apple has said that it is between me and XXXX. Neither side will help, but Apple is being the most blithe about the situation. While XXXX does refund me the {$14.00}, that doesn't solve the fact that someone out there is still getting away with this. 

I am looking for Apple to block any incoming charges from XXXX  so that this isn't an issue anymore. Apple has said they don't have the capabilities to block charges from certain retailers, but the bank where I have an account can block retailers, which leads me to believe Apple is lying and doesn't want to deal with this issue. If Apple can not block certain retailers like their representatives claim, they I need a new card with new information so that I am not continuously charged {$14.00} every month.
Product: Bank account or service

I thought this issue was resolved in a previous complaint ( XXXX ). Unfortunately the situation has only gotten worse as CitiBank has not provided the resolution that they promised. 

On XXXX XXXX, 2016 I received a letter in regard to my last complaint that I thought was a satisfactory resolution. " After reviewing XXXX XXXX claim, we discovered there was a misunderstanding involving our promotion disclosure. As a result of this, we will be honoring her request by crediting XXXX AAdvantage miles to her AAdvantage Member account within 60 days. '' Unfortunately it has been over 60 days and I have yet to receive the miles that I was to be credited with. 

On XXXX XXXX, 2016, I contacted Citibank to inquire about the XXXX miles that I was to be credited. They said that I should have already received them, and even asked for my AAdvantage account number so that the miles could be credited. 

On XXXX XXXX, 2016, I received a letter saying that I would not receive the miles as I was already credited with XXXX points for a different promotion ( I was not, and this issue was clarified in the original response to my first complaint ). 

On XXXX XXXX, 2016, I called Citibank to try to clear this up. I spent about an hour on the phone with a representative and they eventually came to the same conclusion that I would not be credited for the miles because I had gotten points from some other promotion ( again, I did not receive these points ). I asked if there was anything I could do to avoid contacting the CFPB again, but there was n't anything. 

At this point, I am extremely frustrated with this situation. I feel like I 've been consistently lied to and jerked around by CitiBank. I have a letter in front of me clearly stating that I should have received the XXXX AAdvantage miles by now, but somehow I 'm still completely helpless to do anything about it. The AAdvantage miles were the only reason I signed up for this checking account in XXXX, and I ca n't believe that I am still having to deal with this issue, and I am shocked at how unhelpful CitiBank has been when I 'm not submitting a CFPB complaint. I should not have to do this for a simple promotional offer. 

At this point I still have a significant amount of money wrapped up in my Citi Checking account for the purpose of avoiding fees. I was even charged other fees to have my account open before I chose to put a lot of money in the account to avoid this. Now I am stuck with this account that I ca n't close because I 'm still waiting on my miles, and I ca n't even take all my money out of it because they will charge me fees because I have n't maintained a high enough balance. 

I am attaching the CFPB response from Citibank that I received on XXXX XXXX, and the response I got from Citibank on XXXX XXXX when I inquired about my missing miles.
Product: Checking or savings account

My account was randomly closed and they tell me it can take up to 30 days to close my account officially and another 2 weeks for them to ship a check. I need access to my money and need to know what is going on this is unacceptable. If they don't want to continue their relationship with me that is fine i just need my funds
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.