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

Recently checking my credit report, I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : 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 , Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is constantly disregarding my disputes they are only disputing two account at one time when I have sent them several accounts to dispute. Inaddiition it is taking them well more than 30 days to give me an update... .they are failing to investigate my inaccuracies. Certified letter XXXX this was mail off on the XX/XX/22 they have received it on the XXXX but I spoke with a rep they said they received it on the XXXX of XXXX and its only XXXX accounts disputed I am disputing well over XXXX accounts I sent them a XXXX page documents which they threw away.. I also have pictures of the information I put in the folder. This is not right that they are taking me as a joke... .and not complying.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.
Product: Student loan

1. Wh en I make a payment it takes several days for it to process.    2.  By the time it processes, several days of interest have accumulated against the balance the loan was at before the payment was supposed to have posted.    3. G reat Lakes claims to apply my payments to the highest interest earning loan, however, behind the scenes they apply my loans evenly to different tokens, distributing the payment between subsidized and unsubsidized loans. Now, I am enrolled in school part time and eligible for deferment. Had they applied my automatic payments to my unsubsidized loans they would have been gone, now they will accrue interest while I am in school.    4.  We are allowed to allocate extra payments how we like but we are not allowed to allocate automatic payments. We have to use automatic payments to save the quarter percent in interest but in doing so we cost ourselves money by giving up the right to allocate to unsubsidized loans.
Product: Credit reporting or other personal consumer reports

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Product: Checking or savings account

I opened a Citibank checking and savings account because they directly advertised a promotion to me when I logged in to my citi.com account. The promotion was a {$400.00} bonus that would be added to your account after meeting requirements. The requirements were that the consumer was to deposit {$15000.00} and maintain that {$15000.00} balance for 60 days. The terms stated that the bonus would be credited within 90 calendar days. The account was opened on XX/XX/XXXX and the {$15000.00} was deposited on XX/XX/XXXX. I contacted Citi on XX/XX/XXXX and the rep confirmed I had met the requirements and told me they were positive the bonus would be credited on XXXX. It was not credited on XXXX. I contacted Citi again and the rep again confirmed that I had met the requirements and said that they would escalate to the promotions who would credit within 2 business days. I contacted Citi again on XX/XX/XXXX and the rep again confirmed that I had met the requirements and said it could take up to 5 business days at most from the initial escalation. I contacted again XX/XX/XXXX and was told there it was with the promotions team and refused further help. As of XX/XX/XXXX, I still have not received the bonus that was advertised to me and I met the minimum requirements. 

I believe the way Citi is handling this issue is unfair to the customer. I believe Citi should honor their promotions that they advertise to clients. I feel other consumers should know about Citi 's practices. 

I printed the promotion page to PDF and took a screenshot when applying. Those will be attached.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights- Under 15 USC 1681 section 602. It states I have the right to privacy. Under 15 USC 1681 section 604A section 2 - It also states a consumer reporting agency can not furnish account without my written instructions. Under 15 USC 1666B a credit may not treat a payment on a credit card account under an open and consumer credit plan as for any purpose.
Product: Credit reporting

They refuse to refund a misleading product. This needs to be addressed. Equifax is terrible period.
Product: Credit card or prepaid card

I took my vehicle in for repairs at the local XXXX dealer. The repair bill was approximately {$5200.00}. The XXXX dealer offered me a XXXX credit card to pay for the bills. I was told that the card was 0 % interest for the first 6 months. Which it was. I then received a statement 6 months later that I was over my credit limit. I called the XXXX Credit card company to ask how that could be seeing I was making my payments on time and have not used the card besides the initial transaction to pay for the repairs. They then told me that after the 6 months they added all the interest for the past 6 months to my account seeing it wasn't paid off. There was nothing that disclosed this on the paperwork and the XXXX deal did not disclose this during the process. That amount was approximately another {$1200.00} that I now had to pay. I have since paid the card off in full, but would like to recoup the extra money that I believe they gouged me for by not disclosing it and falsely advertising to me a 0 % interest for 6 months.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
The item is not correct and is causing me financial and emotional distress because of its derogative nature. The following items must be updated : AMEX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Debt collection

This is my second complaint against this collection company. The response from the first complaint was totally false and inaccurate. To follow proper procedures, I sent a certified letter to them requesting validation of what is reporting on my account. Mid-Michigan Credit Bureau failed to retrieve and receive the mail. Tracking information is provided in the attached. This in a direct violation to : FDCPA section 809 ( a ) VALIDATION OF DEBTS, states : A debt collector shall send the consumer a written " Notice of Debt '' letter containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
This account should be removed immediately or legal action has to be taken.
Product: Credit reporting or other personal consumer reports

I have submitted multiple certified leters and complaints with CFPB and there are still exiisting inquiries on my credit filed I did NOT request, PLEASE REMOVE.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX XXXX credit card on time and I gave documentation to confirm that it must have been an mistake made in the crediting of my account. I would like my credit report to reflect that I have been paying my XXXX XXXX account on time.
Product: Mortgage

Please see the detailed letter and exhibits uploaded that explain the issues with Mr. Cooper. I applied for a Flex Loan Modification and it was approved in XX/XX/XXXX. I had until XXXX to get the application signed and returned to Mr. Cooper. I was in the hospital XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I still made the payments according to Mr. Cooper representative. I had many issues w/the process that Mr. Cooper will not take accountability for their mistakes. The issues ( 1 ) setting up automatic payments, ( 2 ) late payments of property taxes causing me penalties, ( 3 ) issues with the escrow impound account and issues with homeowners insurance, ( 4 ) refusal to accept payments over the phone even with approval by a manager ( Code 55 ), ( 5 ) 15 different reps giving me misinformation and conflicting instructions to complete the process. There was an impound account but I was paying the property taxes and homeowners insurance that was supposed to be paid by Mr. Cooper. The took payments until XX/XX/XXXX. Then Mr. Cooper stopped accepting payments. The first Flex Loan Mod payments were {$8300.00}. They cancelled it. Then said I could appeal. I appealed. Mr. Cooper offered me Second Flex Mod at payments of {$21000.00} per month. Although I had/have {$210000.00} in the bank to pay ; Mr. Cooper refuses and wants me to pay the entire loan off or it will foreclose on me. I've had a terrible experience dealing with Mr. Cooper.
Product: Debt collection

XX/XX/2021 is when the collection agency took over the bill. It's for {$470.00}. About 10 or 11 months ago I went into my credit report and I saw this negative report and I had no idea what it was. When I called them they didn't have my right address so I never got a bill from them. I told them the correct address and I told them to send all of it back to the original doctor not only did I never receive a bill the address isn't corrected and the original doctor hasn't gotten anything
Product: Credit reporting or other personal consumer reports

The inaccuracies on my report are making it difficult for me to move forward. These mistakes are unfairly hurting my scores and creating unnecessary obstacles.
Product: Credit reporting or other personal consumer reports

I reviewed my most recent credit report from equifax and I noticed inquiries that does not belong to me. After reaching out to the creditor I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push-back even though I expressed the inquiries in question did not belong to me and the creditor agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items that have appeared on my credit report. Despite repeated attempts to dispute and remove these items, they persist, causing significant damage to my creditworthiness and financial standing. 

I have submitted multiple disputes and provided extensive documentation and evidence supporting my claims of fraud. However, to my dismay, these efforts have not resulted in the removal of the fraudulent items from my credit report. 

It is imperative that immediate action is taken to thoroughly investigate these fraudulent items and remove them from my credit report. Their continued presence not only damages my credit score but also undermines my financial integrity. 

I request that you expedite the resolution of this matter and provide regular updates on the progress of the investigation. Transparent communication throughout this process is essential to restoring my confidence in your organization and ensuring a satisfactory resolution. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal recourse and involving regulatory authorities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$500.00} CXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Product: Credit reporting or other personal consumer reports

I am of a victim of the XXXX XXXX XXXX and filed Identity Theft report with FTC with regards to inquires on my EXPERIAN credit report. The Identity Theft report number is XXXX and i have attached a copy of the report to this complaint. My rights under FCRA are being violated due to identity theft and requesting immediate deletion of the unknown inquires listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently obtained my TransUnion credit report and identified several accounts that I did not authorize. As a victim of identity theft, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, to demand the immediate removal of these fraudulent accounts. 

The following accounts are fraudulent and must be deleted from my TransUnion file : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXX ( Balance : {$2900.00} ) XXXX. XXXX XXXX Account # : XXXX ( Balance : {$24.00} ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # : XXXX XXXX. XXXX, XXXX Account # : XXXX XXXX. XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX -- Account ending in XXXX And these credit inquiries that I did not authorize please delete these inquiries 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/year> TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 in 60 days to be removed.

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. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports 8