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

I received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already.
Product: Credit card

Despite maintaining consistent on-time paymentsnever missing a minimum paymentand recently initiating aggressive debt repayment efforts by contributing {$150.00} weekly in addition to your automatic minimum payment of {$210.00}, I was shocked to discover my credit limit was reduced from {$5000.00} to {$4400.00}. Even more concerning, {$510.00} was immediately deducted from my available credit without clear disclosure in your communication. 

This reduction occurred after I had significantly paid down the card, resulting in an available credit of {$630.00}. Not only did this undermine my progress, but it also reduced my available credit utilization, which may negatively impact my credit score. 

Citibanks stated reason was based on a credit file review. However, during the same timeframe, I paid off two additional credit cards, improving my credit profile. I have not incurred any new derogatory marks, and my financial responsibility is clearly demonstrated through consistent payments and intentional debt reduction. 

The lack of transparency regarding the {$510.00} deduction and the timing of this reductionwhen I was finally lowering your interest earningsraises serious ethical and potentially retaliatory concerns. 

I respectfully request : A full written explanation for the credit limit reduction. 

Clarification on the {$510.00} deduction from my available credit. 

A reconsideration of the credit limit adjustment based on my current payment history and overall credit health. 

I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ) to ensure this matter receives proper attention. 

I appreciate your immediate attention to this matter and look forward to your timely resolution.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX 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 has violated my rights. 


I looked at my transunion Equifax Experian credit report on XX/XX/XXXXXXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

XXXX XXXX XXXX continues to report an account that was opened XX/XX/2015 after contacting them numerous times and having my attorney send a letter they finally removed the incorrect information from XXXX XXXX however it it still on Equifax. This car was included in our bankruptcy and needs to be removed.
Product: Credit reporting or other personal consumer reports

Hello, I have always monitor my credit and have kept it above XXXX credit score, however, recently My credit score dropped XXXX points. It is unclear why the credit score dropped XXXX points. I have been making my payments on time, and never defaulted. 
In an attempt to contact the credit agencies, they really dont have a way to answer why the credit has dropped substantially. I feel that this needs to be corrected on my credit report and it should allow other citizens to be able to file a dispute with the credit agencies. This greatly puts citizens at a disadvantage when they attempting to get a loan as their interest rate will be higher due to the lower credit. It only benefits, the banking institutions and the credit companies. Thanks for your time look forward to bringing attention to this!
Product: Mortgage

I have applied a mortgage with fifth third bank as I have account with them and I had experience with them is banking service.when I applied for the loan, I checked with loa n officer whethe r there is any issue with my credit or the subject property. Loan officer ( NMLS  XXXX  ) said it looks good. They needed to do the appraisal for the property to review underwriting. before underwriting they have received condo questionnnaire from condo association. I was rejected for the loan. One owner owns  XXXX  or  XXXX  unit in the building and they found that it is not meeting the   XXXX   XXXX   requirement. Then this loa n officer in formed me that they are applying for an exception. Finally they send me the loan rejection confirmation letter.     While I was contcating other lender they asked me about single entity ownership as a first question. Also finally I have received a conventional loan from another bank when they applied for an exception.     This loan office did n't check the very basic information and he asked me to pay for {$490.00} for appraisal which I paid. So I have asked for a return of that money to the  53 b ank board nad they refused to pay back. This loan harrasment and {$490.00} payment happened only due to their fault. Also the loan office lied that they are going to apply for exception and he did n't. he confirmed me that when I called to check.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

The United States Department Of Education is reporting inconsistent and inaccurate information which is in multiple violations with the FCRA. Per the FCRA all information being reported must be 100 % accurate across all three credit bureaus. The Date Of Last Activity shows for Experian as XX/XX/XXXX and XXXX  as XX/XX/XXXX while XXXX  as XX/XX/XXXX. This is an violation by the accounts with Experian and XXXX  would be ILLEGALLY re-aged on the time frame of which they would stay on the credit report. This account is closed as a XXXX Off but yet XXXX  is reporting it as open and 120 days late. This is a violation as well with the FCRA by an account can not be a XXXX off and late 120 days at the same time. An account first goes late then into collections then to charge off status. An account closed can not steadily report late payments per the FCRA. I've also disputed this account previously with Experian and XXXX  and came back as verified but yet on the document attached shows they never updated the Last Date Verified which defined by the FCRA they're suppose to update the profile each time. Per the FCRA i may collect up to {$1000.00} per violation for which this inaccurate and inconsistent reporting has caused my credit score to drastically drop and continuously drop. I've been denied job opportunities because of this reporting and even so loans. I've lost 3 jobs sadly during this pandemic due to closures and this inaccurate reporting is making it harder to move forward with its reporting. Attached is documents showing such violations and inaccurate/inconsistent reporting along with job denial.
Product: Credit card

This company is charging {$40.00} a month in late fees. I read the law changed in XX/XX/year> to limit such fees. More importantly, I never paid late. So how is this company charging exorbitant late fees??? I asked for proof and they don't have any proof and yet they have the power to destroy my credit report impacting my life and the life of my children. This is fraud. They are reporting me as late payments when I never used the card. I never even activated the card. Their own statement says they can not report this matter while it is under investigation yet they are reporting it with no proof and no investigation. They claim I owe {$140.00} on a card I never activated. They are killing my credit report by claiming I have missed payments for 3 months. This is extortion. This is fraud. I do not owe them anything. I thought your company/agency was supposed to protect consumers. What are you doing to protect me and my children?
Product: Credit reporting or other personal consumer reports

I know knowledge of XXXX  account.can a devil be honest for once.account XXXX
Product: Student loan

Good day, I have attached two screen shots of the confirmation email and the loan payment details from Edfinancial Services. I made a payment on XX/XX/. The payment was reversed without notice, leaving my account past due. XXXX  funds were in the account charged on XX/XX/XXXX  and the bank information was entered correctly. I'm not overly educated on the subject, however, accounts from others dealing with similar issues have been found and no solution was ever provided. I do not wish to play games and accrue extra interest as others have been forced to do with this company in their repayment process.
Product: Credit card

XX/XX/XXXX I applied online for a XXXX credit card so that I could finance equipment. I received a letter from Comenity Capital Bank stating that they declined because I am XXXX years of age. XXXXHowever, I am in fact XXXX years of age. The letter of declination that I received did not notify of where they received this information, and when I contacted XXXX by telephone they refused to tell me where they received such information. 
XX/XX/2016 I received a letter from the IRS indicating that someone had fraudulently used my SSN to file fraudulent tax return. I explained this to XXXX and they still would not inform as to where they received the information regarding my date of birth. 
Then 2 weeks ago I made a purchase on the very same XXXX website using a well established Credit Card. After 24 hours I received an email from XXXX canceling my order. They are now refusing to do business with me. I called but was treated rudely by someone in Sales who refused to escalate my call to someone with more authority and more access. He instead did the same as hang up on me when he transferred me against my instruction. The next person opened a case for me stating that someone would be calling me with 24 hours or thereabouts. 
I have not heard from them in over a week. They have fraudulent information regarding my identification, they will not inform as to where they received such information and they are refusing to do business with me.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Product: Debt collection

XXXX is claiming that I owe them money after I removed my son from their facility for what I felt to be poor care. When I removed him, I was paid in full, now they are claiming that there is a balance. They are using a collection company, IC Systems, and reporting this on my XXXX   Credit report. 

They are also reporting this as a loan. This is not true, and I have paid no money towards a principal on any loan from this company ( a daycare center, not a bank ), nor IC Systems ( collection company )
Product: Checking or savings account

XX/XX/XXXX : I arrived at a BoA location to make an ATM deposit. I attempted to use an ATM. It gave me an error. Another customer was off to the side and noticed this. He said that ATM is having issues and that he is on the phone with BoA right now about an error that ATM just made on his transaction. I cancelled out of that ATM, walked over to the next one and made my deposit. When I requested an e-mail only receipt as usual, it gave me an error and printed one instead. I didn't think more of that - I threw the receipt away. 

XX/XX/XXXX : I noticed that BoA made the deposit successfully but also made a withdrawal at the same time for the same amount. I called in to dispute this as I did not make this withdrawal. I gave the rep all info including about the other person who was on the phone making a claim. 

XX/XX/XXXX : I received notice from BoA that my claim was denied because it was " The same person that used both ATMs ''. At this point I realized that the ATM glitches were causing them to think I used and made a withdrawal at the ATM that gave me an error. I asked them to re-check the claim and get photo and video proof that I was withdrawing money from that ATM. I specifically mentioned this being a BoA banking location lobby on XXXX XXXX in XXXX XXXX, blocks away from XXXX XXXX. I mentioned this because they should have very clear photos and videos of that entire transaction that would be easy to pull. The agent said they will get back to me within 10 days, the standard for claims. 

XX/XX/XXXX : I called in BoA to get an update on the status. The first agent said they don't see any updates since XX/XX/XXXX and they asked me if BoA had reached out to me since XX/XX/XXXX. I said they did not and requested an escalation to a manager. I spoke to a manager who told me that the guideline for reopening claims is actually 60 days and that they do not have any limit on the amount of time to review a re-opened claim may take. 

It's at this point now that I'm frustrated because BoA glitched out, took money from my account, refused to properly review the claim, did not communicate the " guideline '' for reviewing reopened claims, and now they are telling me they have no timeline to review the re-opened claims.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX Account # 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 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 or other personal consumer reports

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX   XXXX {$15000.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX OF XXXX Account # 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 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.