23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My HELOC with Citibank XXXX is not being reported correctly. I filed for bankruptcy in XXXX and it was withdrawn. I refiled in XXXX and it was fully discharged on XX/XX/XXXX. I emailed all supporting paperwork to Citibank with my account number. I reaffirmed this loan both times at it was not part of the bankruptcy. I am current on this loan. 

Citi has old info and is reporting it as a bankruptcy with a derogatory on my XXXX Credit Report. They also stopped the auto deduct so they could stop giving me the quarter point discount for auto pay. They claim " that it does not matter to Citibank if you reaffirm or do not include your HELOC, if you file for bankruptcy, they will treat it as a bankruptcy on their loan. The inital HELOC agreement I signed does not give them the authority to do this unless I default, which I did not. I have been told that the bankruptcy department does not speak with ANYONE and they can only send messages to them.
Product: Credit reporting

Disputes with : XXXX XXXX - Equifax # XXXX - XXXX XXXX and XXXX XXXX # XXXX. I 'd submitted complaints and disputes to all of them because it was irresponsible and no reason to XXXX XXXX to report me as " Consumer Deceased ''. It has caused me a lot of undescriptable headaches with possible and/or current creditors. The only thing that I got from my communications with every Credit Report Agency is that some of the has restored the credit score that went down to XXXX point. Still missing credit score with Equifax and XXXX because Equifax has not reported yet to XXXX XXXX and for XXXX I have to pay. I 'm alive and in good health except for issues due to my age. As a matter of fact, I talked to XXXX XXXX customer service agent XXXX, and he supposedly transfer me to a supervisor but the person never answer the call and it was dropped. I called again in english and the english speaking agent transfer me to XXXX who never answer. I decided not to continue calling. The XXXX XXXX account number is XXXX. My credit report with Equifax and XXXX still says " Consumer Deceased '' even though I talked to them and said, listen to me, I 'm alive, make the correction now. If, be the end of the week such information is not corrected, I 'll be contacting a lawyer. and take the necessary measures to resolve this in another way and/or place. I apologize if I sound rude but you can imagine how I feel. Somebody will pay for this horrible mistake. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been opened in my name due to someone stealing my identity. Please remove them off my report. 
- XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Received goods back in XXXX. 
Was immediately unhappy. Returned goods how ever was told it was decided I did not? I continued to pay as I m always trying to improve. Then I find two amounts identical on my report. One XXXX XXXX who also sur me in court as well collection actions unlawful in ca. I submit activity to all bureaus and get one of two removed on Experian 6 years later but XXXX get serviced to court to find it was just fake. Sent a person w fake badge to my home to harass me Both XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX customer number XXXX should be XXXX as per the return policy and just posting two amounts for six years It was returned immediately dissatisfied no bureau will remove it its like they only listen to them I ended up submitting a dateline credit claim and it very well processed by Mrs XXXX Why did they not honor safeline I spent months on these issues to be harrassed
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE LOTS OF FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORTS. I HAVE ATTACHED POLICE REPORT AND CREDIT REPORT SHOWING THE FRAUD.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors. 15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX - LAST 4 SS # XXXX XXXX XXXX - LAST 4 SS # XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves
Product: Debt collection

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XX/XX/2022 I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

This XXXX I came across unauthorized inquiries on my credit report that I can not explain. I routinely check my report, and this has never happened before. After refreshing my browser to rule out a glitch, the discrepancies persisted. This situation is incredibly upsetting, and I request an immediate review of the documents I submitted to ensure I wont have to deal with this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing a collection account in writing as of XX/XX/2018. The collection company ( XXXX ) called me on a saturday afternoon ( I had not received anything in writing that there was anything to dispute ). The agent was told not to contact me further, and she states, " I will keep calling until you pay your debt -- all calls should be recorded ). 
The first collection letter from XXXX was billed for {$1700.00} ( an amount submitted by XXXX XXXX ). 
After I began my dispute with the 3 credit bureau giants,  Experian made an adjustment to reflect {$910.00} on my credit report as of XX/XX/18. 
I submitted emails the Experian and evidence that the property management company ( XXXX XXXX ) admitted the were wrong to bill me for rent when they already had lease on the unit as of XX/XX/XXXX. The landlord-tenant laws states a company can not try and collect rent plus reletting fees if another tenant is living in the unit of the prior person. I have made several attempts to have the collection account removed based on these facts, but Experian, XXXX and XXXX XXXX have refused to respond or make proper adjustments.
Product: Credit reporting, credit repair services, or other personal consumer reports

BARCLAYS BANK DELAWA is reporting me late XXXX and XX/XX/XXXX and XX/XX/XXXX. I was never late ... I have a great history with them. They were unable to verify my inquiry when I asked for proof. I have asked multiple times. I have proof I paid on time.
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016, XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ny XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XX/XX/XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Product: Credit card or prepaid card

I previously filed a complaint on a related matter. However, this complaint is different. On XXXX XXXX, American Express advised that it had closed my account because I had used XXXX, while linked to American Express, to pay certain related parties. AMEX stated it was a violation of their agreement, although it was not. 

The above is by way of introduction only. Now, I have received a letter from American Express, a copy of which I am enclosing, stating that the reason that they canceled my account because I did not provide financial documentation and/or IRS information as requested. The only problem is that American Express is made no such request. 

I would hope that AMEX is held at least to a standard of behaving in an honest and forthright fashion. At this juncture, I have been provided to inconsistent reasons for the cancellation. In the first case, their document does not prohibit the conduct. In the second case, they canceled me because I did not abide by the request, which request they never made. In both cases, AMEX acted very improperly. 

I asked that American Express not be taken at face value this time around, as it is clearly promulgating inconsistent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted dispute to you and I didnt get a response with in 30 days and youll are required by law to do so please investigate my dispute, please. Thank you
Product: Checking or savings account

On XX/XX/XXXX I noticed XXXX charges from PayPal XXXX XXXX that I did not make, ( please see attachments ) so I opened up a claim with XXXX  XXXX XXXX I was told it would take 45 days to resolve the claim, on XX/XX/XXXX I got a notice the claim was denied because XXXX told them I did this myself, on XX/XX/XXXX XXXX  XXXX XXXX reconsidered and paid the claim, but PayPal and XXXX do not want to Cooperate, both companies are telling me to log into my account, the email that the crook used was not mine XXXX from PayPal and XXXX from XXXX both gave me the same email that was used, Ive written and called the executive office of both XXXX and PayPal and both wrote to me and told me to log into my account and resolve the issue but I do not have an account with either them Ive told them this in writing and over the phone, XXXX at PayPal says he called me but could not reach me but I have called PayPal several times and the people I spoke with say there is no executive office and they dont know XXXX and I end up telling them the entire scenario they promise to call me back but they dont follow up
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining about Chexsystems cause I have an issue where my identity was stolen to open a fraudulent checking account. I filed an FTC affidavit and tried getting a hold of Chexsystems to see if they have a fax that I can send them the paperwork too. I have a real big emergency where I was denied membership and I was approved for an auto loan cause I had a car accident where I was declared a total loss. I have no vehicle and it is imperative that this gets resolved ASAP so I can have them re check my check systems, my social is XXXX
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. I demand the following accounts be properly verified or removed immediately. 
The accounts & inquiries in question are listed below. 

Inaccurate Accounts : XXXX  XXXX Bankruptcy : XX/XX/XXXX - Dismissed First Premier - status derogatory XXXX XXXX - status collection/charge off XXXX XXXXXXXX XXXX XXXX XXXX derogatory Unauthorized Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It has been OVER 30 days & I have not received any verification. When I call, I always get someone who does not speak clear XXXX and I am told the items have been verified. 
Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> when my check from ADP hit my account with Cash app where I receive my direct deposit. I was immediately logged out and the email, number, and password to the account were changed. 
I immediately connected Cash app support as I did not make these changes At first they said they couldn't pull up my account, as now none of the information no longer matches my account. They were able to pull up it with my XXXX XXXX. CashApp support gave me a case number, and told me it would be investigated. 
Upon their faulty investigation they're trying to claim I or someone else I have permission to made that transaction and denied me any further assistance. 
However I did not make that transaction not gave anyone permission. I can't even access my account, as all my information was changed, so I'm not sure how they came to the conclusion I myself made the transaction or gave someone else permission. That was definitely not the case. I'm out over {$500.00} and my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$17000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : *Account Name : XXXX  XXXX *Account Number:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

INACCURATE EVICTION STATUS. I WAS NOT EVICTED FROM ANY PREMISES.
Product: Mortgage

Dear Ameri Home Mortgage, L.L.C. 
I trust this message finds you well. I appreciate your swift response and the breakdown of the mortgage payment details. Upon meticulous review, I wish to highlight certain inconsistencies : Principal Amount : The listed principal amount for XX/XX/XXXX to XX/XX/XXXX is {$1000.00}, which doesn't align with the mentioned {$1300.00}. 


XX/XX/XXXX to XX/XX/XXXX : XX/XX/XXXX : {$210.00} XX/XX/XXXX : {$210.00} XX/XX/XXXX : {$210.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$230.00} Total : {$1000.00} ( not matching {$1300.00} ) 2.Total Principal Calculation : XX/XX/XXXX, to XX/XX/XXXX : {$3100.00} ( not matching {$3100.00} ) Escrow Amount : Total Escrow Paid : XX/XX/XXXX, to XX/XX/XXXX : {$440.00} ( for each month ) Total Escrow Paid = {$5200.00} ( not matching {$6100.00} ) Interest Calculation : Total Interest : XX/XX/XXXX, to XX/XX/XXXX : XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} Total Interest = {$14000.00} ( not matching {$15000.00} ) Total Payment Calculation : Total Payments Received : {$24000.00} Sum of Principal, Interest, and Escrow = {$22000.00} ( not matching {$24000.00} ) While the total payments received are {$24000.00}, the sum of principal, interest, and escrow is {$22000.00}, not matching the total payment. 
Differences : Differences in calculations : {$1800.00} ( XXXX ) + ( XXXX ) + ( XXXX ) Additional Escrow Payment : 3.A supplementary {$1500.00} was made towards the escrow account, which doesn't seem to be included in the payment breakdown.

I would appreciate your assistance in clarifying these discrepancies to ensure accurate records and a clear understanding of the payment structure.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX