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

Consumer Financial Protection Bureau Subject : Dispute of Derogatory Accounts and Credit Inquiries Due to Identity Theft To Whom It May Concern, I am writing to formally dispute multiple derogatory accounts and credit inquiries listed on my credit report, which I believe are a result of identity theft. Enclosed are copies of the relevant documents supporting my claim, including a police report and fraud affidavit. 

Below are the details of the accounts and inquiries in question : **Derogatory Accounts : XXXX XXXX XXXXAccount Name : XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : [ Account Number ] - Date Reported : XXXX. XXXX, XXXX - Balance : {$880.00} - Remarks : Charged off as bad debt, In Collections/Charge-off XXXX. **Account Name : XXXX XXXX XXXX XXXX Account Number : [ Account Number ] - Date Reported : XX/XX/XXXX - Balance : {$640.00} - Remarks : Placed for collection 3. **Account Name : XXXX XXXX XXXX  - Account Number : [ Account Number ] - Date Reported : XX/XX/XXXX - Balance : {$260.00} - Remarks : Account information disputed by consumer 4. **Account Name : XXXX XXXX XXXX - Account Number : [ Account Number ] - Date Reported : XXXX. XXXX, XXXX - Balance : {$1800.00} - Remarks : Placed for collection 5. **Account Name : XXXX XXXX XXXX - Account Number : [ Account Number ] - Date Reported : XXXX. XXXX, XXXX - Balance : {$2500.00} - Remarks : Account information disputed by consumer **Credit Inquiries : ** 1. **Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX 2. **Creditor : XXXX XXXX XXXX* - Inquiry Date : XXXX XXXX, XXXX I request that the Consumer Financial Protection Bureau investigate these accounts and inquiries and take appropriate action to rectify the situation. I have reported this identity theft to the relevant authorities and have also contacted the creditors associated with these accounts. 

I affirm that the information provided in this letter is true and accurate to the best of my knowledge. Enclosed are copies of the supporting documents for your reference. 

Thank you for your attention to this matter. I anticipate your prompt response and resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I discovered inaccuracies that require immediate attention. As outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, the XXXX major credit bureaus are obligated to verify the accuracy of the listed accounts. If supporting documentation can not be provided within the legally mandated timeframe, the reporting of such unverified information is not permitted. I request a thorough investigation and necessary corrections for the following accounts appearing on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

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

On XX/XX/XXXX, I was informed that XXXX closed both of my accounts because they stated I was in default. Neither account has ever been 30 days late. Due to financial issues, I have fallen a bit behind but I always made the payment before 30 days. I have never missed a payment. 

On XX/XX/XXXX, I went on XXXX 's website to attempt to make a payment to avoid any 30 day lates. XXXX was reporting that there were no payments due on either account. Please see attached picture. 

On XX/XX/XXXX, XXXX Bank reported my credit card as a charge off. Once again, I have never been 30 days late with XXXX. For the past 3 months, I have been making the payments around 28 days late but NEVER 30 days late. On XX/XX/XXXX, XXXX XXXX charged off the account and reported the inaccurate negative information to Experian, XXXX and XXXX. Their actions were improper. On XX/XX/XXXX, the account was only 28 days behind. When I logged in to make an additional payment on XX/XX/XXXX, the account was no longer listed on the website because they had XXXX it. Payments are due on the XXXX of each month. There is no record of this account ever being 30 days late nor have they reported it late. 

In accordance with the Fair Credit Reporting Act, the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Bank : Account # XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX, Account # XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 602 ( a ) ( 1-4 ) states ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681b Section 604 ( a ) ( 2 ) states any 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 ) states 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 reporting or other personal consumer reports

I did not authorize these hard inquiries nor did I consent to these they are fraudulent
Product: Credit reporting or other personal consumer reports

Capital one credit card was paid in full and closed.showing up on credit as derogatory when account should be showing paid. Aditionaly acct start date is wrong, payment status is wrong, credit limit wrong, opened day is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Product: Credit reporting or other personal consumer reports

I kindly ask for the prompt removal of the public record from my credit report and necessary adjustments to be made. Supporting documentation has been attached to facilitate this request, and I thank you for your prompt action.
Product: Mortgage

On XX/XX/XXXX I was pre-approved for a mortgage loan with the company name Signature Home Lending. They let me know by phone the loan amount of {$330000.00} and interest rate of 3.5 % because of excellent credit score. I  never received the Loan Estimate, but I trusted them to keep their promise. Later on, I changed my mind, and instead of buying a primary house I wanted to buy a house for investment. My agent called the lender to let them know the changes, and also to let them know I would need a lower amount ( {$130000.00} ). On XX/XX/XXXX I received by email the confirmation of the new pre-approval for the {$130000.00} with neither interest rate nor Loan Estimate.  When I finally found the right house and my offer was accepted, I contacted the senior lender XXXX XXXX XXXX on XX/XX/XXXX to ask if the interest rate would be the same since she never called me to let me know otherwise. Her answer was that ofcourse the interest was going to be higher. I asked her how much higher. The next day we got in contact again, and she told me the interest would be 4.25 %, but when she finally showed me the Loan Estimate I could  notice she was changing for points to lower the interest that she never mentioned, and I never agreed to pay. Now what I thought it was a good deal is became a 4.625 % interest loan. I tried to get a lower interest by changing from 30 years loan to a 15 years loan, but she gave me the same 4.625 %. My complaints are she never told me she was selling me points intead of negotiating the interest, she gave me the Loan Estimate until almost closing which is against the law. Not to mention the HIGHER interest.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a recent data breach that has compromised my personal and financial information. As a result, I am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The accounts in question are : 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 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/XXXX
Product: Mortgage

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Quickenloans/Quickenloan XXXX XXXX, XXXX on my XXXX REPORT This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Quickenloans/Quickenloan XXXX XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX XXXX
Product: Credit card

We are renovating our home and order supplies from Home Depot and charged it on our Citi Bank/Home Depot card. Our credit limit is {$500.00} and we have never wanted to increase it. My score was over XXXX, apparently deciding whether to return or order another XXXX my HD/Citi card went over by {$96.00} around XX/XX/XXXX. My billing cycle is the XXXX of each month. I was n't advised at all from Citi Bank/Home Depot that I was over the credit limit even though I have it listed it on my online alerts to let me know should that happen. I learned by an online alert XXXX XXXX that XXXX of my accounts was over the credit limit. It resulted in my credit score going from XXXX to XXXX along with the negative effect it has by going over your credit limit. I immediately made payments ( see payment information attached ) which should have reflectected by my billing cycle. This overage was n't over 30 days and it was well before my billing cycle. You will see that they still have n't updated the XX/XX/XXXX billing cycle but still reporting over the credit limit. Is n't that the purpose for having the same day each month with the credit card company as your billing cycle to allow you enough time to make any adjustments prior to them reporting on all XXXX of your credit bureaus. I am in the middle of applying for a business loan and the first thing the bank sees is that I am over the credit limit on a {$500.00} credit line. This is painting the wrong picture of my credit worthiness which also is reflected in my payment activity. My wife has worked in the XXXX for 30 years and ca n't believe that Citi would report the overage before the report the payments. Is this their way of charging a higher interest rate? I am hoping to resolve this issue through your site as I have tried on line Chat, email, telephone with no response at all. Please help me before the bank uses this to charge me a hard money rate.
Product: Credit card or prepaid card

I made a payment to my XXXX  card on XXXX from a debit card tied to my XXXX XXXX XXXX ) for {$140.00}. My card has been restricted because XXXX  claims they can not verify my transaction. I have provided screen shots, picture of my debit card, bank statements, settlement information from the XXXX XXXX  but apparently that is not sufficient enough. They need me to wait until after my XXXX statement is created ( so XX/XX/XXXX or thereafter ) so they can see the transaction on a statement. I have provided more than enough information that is sufficient to clear this transaction. No one is will to help me, simply saying you have to wait. I have made my payment and I should be able to use my card. This is the second time they have requested verification information for the same account. NOTHING HAS CHANGED!!!!!! You can not pay something from a debit card linked to a checking account that does not have sufficient funds. It is absolutely ludicrous that I have spent over 3 hours on the phone and 3 days trying to get this resolved.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, hereby authorize this dispute. It is important to note that this dispute was not sent by an unauthorized third party or " credit clinic. '' I am writing to address the ongoing violations of the Fair Credit Reporting Act ( FCRA ) that have yet to be resolved, despite my previous dispute letter. The violations are as follows : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report. 
In addition to the violations, I remind you of the previous violations outlined in my initial dispute letter, including the violation of the Debt Collection Practices Act, Acquiring Location Information Regulations, Timely Payments Regulations, Finance Charge Determination, and Credit Report Permissible Purposes. These violations require your immediate attention and resolution. 

Account Number : XXXX
Product: Debt collection

I notified the collection agency and XXXX XXXX XXXX that this is not a valid debt. Further, I invited XXXX to produce documentation of a valid debt. Upon validation, I would happily pay the valid amount due. XXXX XXXX XXXX has contacted me as recently as a month ago about a separate matter. They had every opportunity to discuss this alleged debt then, but chose not to do so.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

XXXX : XXXX XXXX XXXX ( {$670.00} Written off ), Item disputed, requested original documentation from creditor supplying all information required. 

XXXX XXXX XXXX ( {$850.00} Written off ) Item disputed, requested original documentation from creditor supplying all information required. 

XXXX XXXX XXXX : ( {$3300.00} ) item disputed, Item disputed, requested original documentation from creditor supplying all information required. Creditor claims information verified, but no documentation was provided. 

XXXX XXXX XXXX  : ( {$820.00} ) item disputed, Item disputed, requested original documentation from creditor supplying all information required. Creditor claims information verified, but no documentation was provided. 

National Credit Adjusters : ( {$1600.00} ) item disputed, Item disputed, requested original documentation from creditor supplying all information required. Creditor claims information verified, but no documentation was provided. 

XXXX : XXXX XXXXXXXX XXXX  : ( {$540.00} ) item disputed, Item disputed, requested original documentation from creditor supplying all information required. Creditor claims information verified, but no documentation was provided. 

XXXX XXXX XXXXXXXX XXXX : ( {$600.00} ) item disputed, Item disputed, requested original documentation from creditor supplying all information required. Creditor claims information verified, but no documentation was provided. 

XXXX XXXX : ( {$190.00} ) item disputed, Item disputed, requested original documentation from creditor supplying all information required. Creditor claims information verified, but no documentation was provided. 

XXXX XXXX ( {$850.00} ) item disputed, Item disputed, requested original documentation from creditor supplying all information required. Creditor claims information verified, but no documentation was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an old/obsolete tradeline with XXXX on XX/XX/XXXX. Portfolio Recovery Associates verified the account with XXXX as correct and mailed me a charged off statement from the original creditor ( XXXX ) dated XX/XX/XXXX on or around XX/XX/XXXX ( attached ). 
My supporting documentation shows that the date of last payment was XX/XX/XXXX, date of first delinquency was XX/XX/XXXX. Fall off date/Removal from my credit report should be XX/XX/XXXX, as per one sample of my XXXX report, dated XX/XX/XXXX ( attached ). I also have documentation stating XXXX as the fall off date from other credit reports, which I can provide upon request. Attached is today 's screenshot I took on XX/XX/XXXX showing Portfolio Recovery 's account on my credit report showing the discrepancy ( re-aging ). XXXX will not remove the tradeline and Portfolio Recovery Associates has a date listed which doesn't match the records of the original creditor ( attached ) and refuses to remove this old tradeline from my credit report.
Product: Checking or savings account

I reported fraudulent charges on my account in Early XX/XX/XXXX. I received notice on XX/XX/XXXX that Capital One denied me credit for those charges. I put in another request the same day ( XX/XX/XXXX ) and they said it would take 10 days. It is now XX/XX/XXXX and I still have not gotten any resolution to this problem.
Product: Checking or savings account

I received an offer from Citizens Bank to receive a {$300.00} Checking bonus with a {$500.00} direct deposit within 60 days of the account open date and a {$300.00} Savings bonus if I deposited {$200.00} every month for 3 months according to their calendar. After being approved for the accounts, I made opening deposits on XX/XX/2022. I then followed the byzantine and complex steps specified on the offer postcard. I can send you a copy of their offer document for your reference. Despite following all of their rules for both accounts, I have never received the bonus monies to my checking and savings accounts. Therefore, I called Citizens customer service in XXXX asking for an update on the promised deposits but the call was then routed to an international call center and I was put on hold for 15 minutes before the call was disconnected. I tried again twice in XXXX, and the same results. Long wait times and then the call is disconnected for no rhyme or reason. Despite having my phone number and email address, no one has followed up with me. It seems Citizens routes such calls to the international call center to screen calls related to these bonuses in an effort to prevent the payout. Yet, I am regularly receiving offers in the mail from Citizens for HELOC 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2017 i have been enslaved and denied good credit access by XXXX and Trans union credit reporting about the accuracy of my personal information on my credit file they maintained according to the fair credit reporting act. XXXX currently is missing my date of Birth and my complete names and also listing old past credit accounts from XXXX XXXX, XXXX and XXXX XXXX that has been settled as charge off/collections and this has been impacting my credit scores since XXXX i have been Denied credits from various applications this is unfair and inaccurate. 
Trans union has denied me access to good credit since 2017 as they are missing my complete names and listing old settled accounts from XXXX, and lending club as chargeoff/collections greatly impacting my credit scores for years now. 
This two companies has listed XXXX  XXXX Bankruptcy in my credit reports missing accurate datails. This inaccurate reports has impacted my credit scores for years. 
Since 2017 i have been sending letters to this credit bureaus only XXXX saw the truth and has erased all negative items from my credit file.