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

Hello, My name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new home and these items wheny get me approved. 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 Commission Identity Theft affidavit Please delete the items as soon as possible. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability
Product: Credit reporting or other personal consumer reports

On XX/XX/year> there was an unknown unauthorized inquiry on my credit report for a chase bank account. I contacted the creditor JPMCB XXXX address XXXX XXXX XXXX, XXXX, DE XXXX, on XXXX XXXX and notified them that there was an unknown unauthorized inquiry on my credit report for a chase bank account and I wanted the hard inquiry removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I am really upset the credit bureaus have not responded back to me about my investigation. I sent a letters and it's more than 60days. I need this account deleted or updated. These are the items I demanding to be deleted immediately : Bankruptcy court name XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting that it will be removed from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a balloon mortgage with Ocwen Loan Servicing that matured on XXXX/XXXX/XXXX. ( I have been working with a bank to refinance the mortgage. ) When I sent the XXXX monthly payment to the Ocwen that has the existing balloon mortgage it was refused/returned. I e-mailed the the Ocwen representative to find out why I could not continue payments while I was seeking new financing to pay their balance. They responded that after the loan matured they will only accept the full balance due of {$91000.00}. In XXXX they reported to the credit bureau that I am 60 days delinquent on payments. That report reduced my credit score from XXXX to XXXX.  Becouse of this report I was not able to finalize the refinance with XXXX XXXX. 
I believe this is unfair. I tried to make payments to keep in good standing while I was seeking refinancing.
Product: Credit card or prepaid card

We had two ( 2 ) accounts with Citibank. 
They closed one of our accounts around XXXX, so we have only one active account with them. 

On XX/XX/XXXX and XX/XX/XXXX, they applied our payments ( {$860.00} and {$610.00} respectively ) to the CLOSED account that has no activities to offset which resulted in interests on our CURRENT account. 
Upon discovering the error, we made double payments to current account in an attempt to minimize interests charged. 

We have made repeated attempts to rectify this error and they credited one small amount ( {$19.00} ). 
We feel we should be reimbursed for the full amount ( {$75.00} ) as this is their error and we have been paying on a timely manner. 

{$94.00} - {$19.00} {$75.00} They have refunded us a check of {$1400.00} ( {$860.00} and {$610.00} ) on XX/XX/XXXX rather than apply it the proper current account that may have triggered a reversal of these interests.

Their last response was their denial of full refund. 

I will attach copy of their response along with our research which should be easy for them to verify.
Product: Consumer Loan

NISSAN MOTOR ACCEPTANC creditor delinquent my account for not paying 2 Months. I set up a Auto Debit from my bank account and they had trouble in getting money from my account. They did not inform me via Email or Portal Mail about the late payment. When I checked my credit report I realized this and contacted them and paid the XXXX. They promised to remove the delinquent on my account in 7 days and this conversation happened in XXXX XXXX. Till now they did not do anything related to my delinquent and also the customer support people was very rude to me. Because of this delinquent my credit fell XXXX points. 

Also I spoke to them on XXXX XXXX and paid off the bill on the same day and again on XXXX XXXX they sent another delinquent notice to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquirie was made on XXXX XXXX by XXXX XXXX XXXX XXXX without my knowledge.
Product: Checking or savings account

Bank failed to honor new account promotion code  XXXX . Bank owes me {$220.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions starting in XXXX of 2018, after settling accounts with several companies, I requested thru certified mailing via U.S. Postal Service that XXXX, Experian, and XXXX  delete negative or derogatory remarks and account status on these specific accounts because per Federal codes Sec. 609 ( a ) ( 1 ) ( A ) ; Sec. 611 ( a ) ( 1 ) ( A ) ; and Sec. 611 ( 50 ( A ) " ... promptly DELETE ALL information which can not be verified ''. Several requests for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX to validate and/or verify its alleged debt against claimant, which ALL companies failed to do so. Thus, since they have ALL been properly and legally compensated for any debts alleged against claimant on more than one occasion, ALL derogatory and/or negative remarks or statuses regarding previous accounts with claimant MUST per federal law be deleted immediately by ALL credit reporting agencies. XXXX, Experian, and XXXX refuse to delete the negative remarks and account statuses which are hurting the claimant and preventing him from the pursuit of peace, happiness, and stablility for him and his family.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, my personal and 
financial information has been compromised. In light of this, I request that the following 
accounts be immediately blocked and deleted from my credit report pursuant to 15 USC 1681c2(a) and FCRA  605(b):
Accounts to be Blocked and Deleted:
XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX -XX/XX/XXXX - XXXX XXXX - XXXX  XX/XX/XXXX- XXXX
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXXXX/XX/XXXX - XXXX
XXXX  - XXXX  XX/XX/XXXX XXXX XXXX - XXXX  -XX/XX/XXXX XXXX
Inquiries: XXXX
XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i reviewed my consumer report and noticed that i had 7 accounts and 17 inquires that is not mine. consumer reporting agencies have assumed a vital role and have a responsibility to report consumers information to the best of their ability with maximum accuracy. these accounts are not mine. I demand that these accounts and inquiries be removed. 

ACCOUNTS : 1. XXXX acc # XXXX XX/XX/XXXX 2. XXXX XXXX acc # XXXX XX/XX/XXXX 3. XXXX XXXX acc # XXXX XX/XX/XXXX 4. XXXX XXXX acc # XXXX XX/XX/XXXX 5. XXXX XXXX acc # XXXX XX/XX/XXXX 6. XXXX XXXX XXXX acc # XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX INQUIERIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a concerning issue I have been facing with XXXX XXXX XXXX  credit reporting practices. I believe they have inaccurately reported my payment history, resulting in significant damage to my credit profile. 

Over the past few months, XXXXXXXX XXXX  has been reporting my payments as late or not received, even though I have consistently made on-time payments. This erroneous reporting has led them to indicate non-payment for periods of XXXX to 60 days, which is not reflective of my actual payment behavior. 

Due to XXXXXXXX XXXX XXXX incorrect reporting, my credit score has suffered immensely. As a direct consequence of their actions, another credit card servicer has significantly reduced my credit limit. This negative information has caused my credit score to drop by a staggering XXXX points, severely impacting my financial opportunities and peace of mind. 

I have taken the initiative to review my credit report from all major credit bureaus and have identified these inaccuracies specifically attributed to XXXXXXXX XXXX. I have evidence of my consistent, timely payments, including bank statements and payment receipts, which I am willing to provide as proof of my responsible credit behavior. 

I have attempted to contact XXXX XXXX on multiple occasions to rectify this situation, but regrettably, their responses have been unhelpful, leaving me frustrated and concerned about the potential long-term consequences of these inaccuracies. 

I am reaching out to the Consumer Financial Protection Bureau with the hope that you can assist me in addressing this matter promptly and effectively. I kindly request your intervention to investigate the inaccuracies reported by XXXXXXXX XXXX  and ensure they comply with the Fair Credit Reporting Act ( FCRA ) and all other relevant consumer protection laws. 

XXXX is flagrantly disregarding fair practices.
Product: Checking or savings account

Last Thursday ( XX/XX/year> ) I was extorted out of {$700.00} online, I payed through my bank and immediately applied for an appeal but am continuously denied.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681 Account # XXXX XXXX, Acct : XXXX XXXX, Acct : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX a company consumer reporting agency located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX has false information reporting thereto third parties such as XXXX XXXX and other agencies whom stated that they found negative reporting and could not fund our loan. This information is unknown and is falsely reported. I have never heard of XXXX until XX/XX/XXXX. They had my birthday ten years older than what i am and one day removed from my original birth date. Something is very strange with this information they posted. XXXX XXXX denied us after we went over the information due to some unknown issues newly found. XXXX and XXXX XXXX working together. XXXX { XXXX  } has been harassing us since they alleged to have acquired a loan from the FDIC on XX/XX/XXXX. At the same time i, was battling to regain my investment with XXXX XXXX XXXX XXXX so that is how this began.
Product: Checking or savings account

I adviced to to apply for a line of credit. Which I did to draft from. I was approved for the line of credit. In the end. But feel like I cohered into another bank Product.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Is the company last report was XX/XX/year>, I have a agreement with this loan company to pay XXXX every XXXX weeks due to hardship my original payment is XXXX a month but due to hard ship Im not able to pay the full XXXX and the company is reporting late payments on my credit report although we had an agreement of the XXXX every XXXX weeks I will like the my payments to be updated to paanl status. My payment cant not be late if we agree to this payment plan.
Product: Credit card or prepaid card

There was an offer from American Express for adding authorized users on their XXXX XXXX XXXX XXXX for XXXX points after {$500.00} spending. I added my family member and the {$500.00} spending was completed in XX/XX/XXXX. 

XX/XX/XXXX : First contacted Amex regarding the bonus points. 
XX/XX/XXXX : Contacted again and was told to wait 8-12 weeks ( the spending was completed in XXXX ) XX/XX/XXXX : Amex made a note on my account for the delay XX/XX/XXXX : Amex opens investigation which could take 6-8 weeks XX/XX/XXXX : No update on the investigation. Told to wait XX/XX/XXXX : Claims Amex has " technical issue due to which the points are not posted '' and was told to wait XX/XX/XXXX : Was told they are working on it XX/XX/XXXX : Still working, they left a note on the account XX/XX/XXXX : Was told to wait ; claims they are still working on it. 

I have the statements for the spending and the promotional statement. Not sure why they are refusing to give out the reward points they promised.
Product: Credit reporting or other personal consumer reports

" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report. ''
Product: Student loan

I 've worked for XXXX for almost 10 years now. When the public service plan was advertised I contacted XXXX XXXX to ask if I was eligible. I was told no because I 'd consolidated my loans already. So I left it at that but still participated in the IBR plan. Last year, I thought I 'd just check again. This time I was told that yes I would be eligible, but would have to transfer my loan to the government directly, and the almost 10 years of consistent repayment would be erased. Had the XXXX XXXX Rep explained that I would have to move my loan from them, I 'd be in a different situation. I feel like that information was withheld on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX Bank account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX Funding account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights 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 permission.
Product: Debt collection

I XXXX XXXX  wish to file a formal complaint with each pertinent credit reporting agency, XXXX XXXX XXXX XXXX XXXX  collectively.  A debt collection agency known as The Bureaus is involved in what will eventually be exposed as the largest financial scam against American consumers.  What The Bureaus, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have done, and probably are doing on a much larger scale, is designating themselves as debt buyers from collection debt information referred through debt pool information affiliations.  The original debtor was XXXX XXXX XXXX  and without going into a very detailed outline of what entity owns the debt, I assure you that my credit card debt was pooled with a one billion plus dollar securitization.  At no time was The Bureaus in a position to own this debt, and for that matter, The Bureaus has clouded their scan even deeper by stating that the debt was acquired by Bureaus Investment Group No. 15, which is affiliated as a sister company of The Bureaus, see Abeyewardene v. Bureaus Investment Group Portfolio No 15, LLC (2:13-cv-00917), District Court, C.D. California.  This is a scam not only perpetuated against a consumer, but upon challenging the validity of the debt, The Bureaus came back as VERIFIED AS ACCURATE.  Now the plot thickens, as the very same debt was supposedly purchased by XXXX XXXX XXXX and eventually I settled with that agency, even though XXXX  could not prove ownership.  So how can two debt buyers purchase the same debt at the same time?  The truth is, The Bureaus never had any position on this debt, and this debt buyer/debt collection agency has voided its responsibility to its subscriber agreement with every credit reporting agency.  They are scammers to a fault, and their licensing agreement with each credit reporting agency should be pulled immediately.  The collection items must be removed, and the Federal Trade Commission along with the Consumer Financial Protection Bureau must step in and take legal action against The Bureaus and their affiliated businesses.  P.S. There are no less that 54 current lawsuits found through XXXX  against Bureaus Investment Group No. 15, and this must give the credit reporting agencies a huge red flag on The Bureaus licensing.
Product: Debt collection

On XX/XX/XXXX Portfolio signed a certified letter with return of my dispute that I sent to them. I checked my credit profile on XX/XX/XXXX and Portfolio FAILED to mark my account " DISPUTED ' which is REQUIRED by the Fair Credit Reporting Act and the Fair Debt Collection Reporting Act. Nor have they sent me any proof that I owe this alleged debt.
Product: Credit reporting

I have contacted XXXX and they said they do not have any record of this discrepancy on my account.
Product: Credit card or prepaid card

I have a XXXX APR balance transfer on my citi custom cash card ending in XXXX. I make enough payments to cover the minimum plus the purchases accrued over the month, I wait for the payments to settle before paying the card. My initial balance transfer was {$6600.00} on XX/XX/XXXX, it has been reduced to {$4900.00} as of XX/XX/14, while my purchase APR has gone from {$0.00} to {$760.00}. I make more payments that purchases each month, yet that amount has continued to creep up. You can see the discrepancy begins in XXXX. 

I am intentionally trying to not pay down the XXXX APR balance and only just cover the purchases subject to the higher interest rate. According to how I paid it down, I understood that I should have about {$6300.00} still at XXXX APR. 

I have been hung up on multiple times when speaking to customer service regarding the issue. I'm told they will check with their coworkers, as there appears to be an issue, then I am left on hold and they hang up eventually I believe Citi is prioritizing paying down the balance transfer instead of purchases, and then charging me the high interest rate on purchases.
Product: Payday loan, title loan, personal loan, or advance loan

This was a payday loan from 4 years ago. I have asked for proof as I have paid off many loans in the last 3 years. No proof was given for legitimacy. I have just got notice that someone attempted to serve me at my home, and double checked my ccap. They are now pursuing payment through small claims without responded or sending any documentation. I have never worked with this debt collector. I have left voicemails with my reference number and no messages back.
Product: Debt collection

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Product: Credit card or prepaid card

I have three credit cards with USAA. I have closed the accounts and destroyed the cards. They are charging me an exorbitant APR> I contacted them today to get the account numbers so I can transfer the balances to another company with a much lower APR. USAA refuses to provide me with the complete account numbers so that I may transfer these balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED COPY OF MY CREDIT REPORT AND I SAW ACCOUNTS WHICH I DON'T RECOGNIZE, I HAVE NEVER APPLIED FOR THESE COMPANIES, SO I HAVE NO IDEA WHERE THESE ACCOUNTS FROM, I DON'T HAVE ANY AGREEMENTS WITH THESE CREDITORS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I am being harassed by a debt collection agency for a debt that I do not owe or that is not valid. The collection agency has failed to provide proper validation of the debt despite my request, as required under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, they have continued to contact me repeatedly via phone and email after I requested they cease communication. I believe the debt is either inaccurate or was not mine to begin with, and I have asked the agency to provide evidence supporting their claim, but they have not responded or provided the requested documentation. This situation is causing undue stress and negatively affecting my credit report without justification. ''
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to follow up, yet again, on my previous dispute regarding multiple inaccuracies, discrepancies, and unauthorized accounts listed on my credit report. Despite my urgent requests, there has been no adequate resolution or confirmation of the removal or verification of the erroneous entries mentioned on my letter.