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

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report a serious error in my XXXX consumer report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) under the United States Code, Title 15, Section 1681i. The error pertains to multiple accounts from XXXX incorrectly showing unpaid balances on my credit report. I am seeking your assistance in rectifying this issue promptly. 

Details of the Discrepancy : 1 ) Credit Reporting Agency : XXXX XXXX ) Incorrect Information : There are eight XXXX accounts currently reported as unpaid on my consumer report. However, these accounts have been legally discharged, and the balance is {$0.00}. The inaccurate reporting is in direct violation of the FCRA. 
Relevant US Code : Fair Credit Reporting Act, United States Code, Title 15, Section 1681i - Procedures for Correcting Mistakes on Credit Reports. 

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to intervene and investigate this matter thoroughly. The inaccurate reporting by XXXX has severe implications on my creditworthiness, potentially affecting my ability to secure loans, housing, or employment. According to the FCRA, I am entitled to a free copy of my credit report, which I have already obtained and reviewed, confirming these discrepancies.
Product: Debt collection

I called GreenSky and was told my payoff amount was XXXX on XX/XX/XXXX and it would take 24-48hrs for me to receive a payoff letter. When I received the payoff letter they added on an additional late fee and finance charge when I was told that I would have no payments or interest for the 1st 90 days when I called back to try to get this corrected on XX/XX/XXXX I was told I would get a corrected payoff letter and again was quoted XXXX. When I did not receive the letter I called again today XX/XX/XXXX and was advised that the finance charge and late payment they applied the day after was correct and that they would not remove the extra {$150.00} that they added on to my bill the day after they quoted me {$5200.00}. They have refused to work with me and are charging me extra fees every time I call in. They are now saying I owe XXXX. I dont know how to get this resolved without paying them more money. I wish I never took the loan from them and just want to be done with this company.
Product: Checking or savings account

I deposited funds totaling {$15000.00} XX/XX/20 to qualify for Citibank Bank 's {$500.00} bonus. I met all of the qualifications and the bonus was not paid. I called Citibank numerous times and they had an excuse each time. and they were not able to pay the required bonus by XX/XX/20, nor were they able to tell me why. XXXX XXXX Phone number XXXX The accounts involved Account # XXXX. 

Here are the terms of the offer Earn {$400.00} when you open a new checking account and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking account for 60 days You can also get an extra {$100.00} on the {$400.00} bonus when you complete one qualifying direct deposit each month for two consecutive months within 60 days of account  opening, for a total of {$500.00}. 

Please help me. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed five enormous accounts on my credit file that I have listed below, on XX/XX/2018 I received a letter back from the credit reporting agency stating the debt was verified as accurate. After much frustration I then  sent in a letter requesting the method of verification used to identify these enormous accounts as indeed belonging to me. I clearly stated my rights according to FCRA and also asked for names, address, and phone number of the furnishers they spoke with, I also asked that they respond within fifteen days. I  sent my letter through certified mail and it Was well over 15 days since they have received it without any response from the credit reporting agency which I believe is a complete disregard to comply with the FCRA laws. The five accounts in question are listed here. XXXX  XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX.
Product: Credit reporting or other personal consumer reports

All XXXX credit reporting companies are give my information to all the get out debt companies for which they don't really want to help i have talked to XXXX of them and all they want me to do is put money in a trust account and then they will call the creditors and make a settlement for which will take about 90 days. So that meant to me was i probably be sued by the ones not being paid during this time I'am supposing saving to money to a settlement with a company. I have a lot of debt right now and trying to make arrangements with my creditors. I get anywhere from XXXX to XXXX offers daily about consaladateing my debt with a loan but that is not the case they don't loan money with a lower payment they are just legal loan sharks.
Product: Credit reporting or other personal consumer reports

Hi how u doing my name is XXXX XXXX and im am wrting this complaint against the bureaus beacuse they claimed they investigated and the claims are accurate which is not true because the accounts are showing charge off each month as if the account is still actively being charged off each month its like the same account getting charged off repeatedly if the account was charged of back then then why are they still updating the account every month thats inaccurate and according to Cornell law that is illegal and its against my rights. I am not getting a fair credit opportunity beacuse of this inaccuracy i need this removed. They are neglecting my credit report and also neglecting there jobs : account numberXXXX account name : XXXX XXXX XXXX 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 XXXX XXXX  Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

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

Beginning in XX/XX/XXXX 2016 I began the process of fixing errors present on my credit report with XXXX, XXXX and Experian.
Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you.
or 2 ) Information on this item has been updated.
Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX.
Creditor : XXXX XXXX  Creditor : XXXX XXXX Creditor : XXXX Creditor : XXXX XXXX XXXX Creditor XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX has deleted XXXX XXXX and XXXX XXXX XXXX XXXX Experian has deleted XXXX XXXX XXXX  XXXX has deleted no inaccuracies
Product: Mortgage

chase bank foreclosed on the previous owner not me, and added my name to the foreclusre complaint a day before the judgement and did not summons me
Product: Debt collection

I recently found out through my credit report that more identity theft has occurred after the initial police report was filed XXXX. I noticed this issue when I tried to get a loan for a house and they told I couldnt get a loan unless I paid off the previous loan, I let them know I didnt take out any loan. I contacted my credit company, and they sent me a copy of my credit report which shows an account that was open by XXXX XXXX who is my nephews mother. ( I do not know her contact information ). She is associated with the original identity Theft case ( XXXX ). The company is Credit Corp Solutions. Im looking to get this incident resolved asap. I need to add the info to move forward with the investigation and clear my name and credit to be able to move on with my life!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission.

According to 15 USC 1681, I have the right to privacy.

According to 15 USC 1681s-2, 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I initially sent a written request to Transunion letting them know that under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. I advised them to not respond to my request by saying that these accounts have been verified. I asked them to send me copies of the documents that they have in their files that were used to verify them. Also, If they did not have any documentation in their files to verify the accuracy of these disputed accounts to 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 They are damaging my reputation and credit worthiness. They accounts in this dispute are. 
1.XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX   4.XXXX XXXX DBA XXXX XXXX XXXX I never received a response. On XX/XX/XXXX I sent them a personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, is immediately and completely REMOVED from my file. 
It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information. 

On XX/XX/XXXX I received a response from XXXX stating that the following accounts could not be verified and they were immediately removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE DBA XXXX XXXX XXXX Per the PROCEDURES and laws stated in 15 U.S.C. 1681i and  its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT. 
I never received a response yet again. On XX/XX/XXXX, I sent another request to have them follow suit and delete the accounts from my credit report since they have not provided me any documentation of how they verified that these accounts are mine. I have yet to receive a response. They have violated my rights as a consumer. I will be filing a legal complaint if this is not resolved.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be updated.

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 TRANSUNION 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
Product: Credit card or prepaid card

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The DISCOVERBANK XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


DISCOVERBANK XXXX
Product: Checking or savings account

In the past the XXXX XXXX dept. WAS ALERTED IN DIFFERENT WAYS ... 
Have latest XX/XX/XXXX paid rent {$450.00}? got confirmation yet the bank should be fine it didn't go thru and never alerted me.i had signed up for alerts.had to repay. 
He past chase banker allume gave me 3 cards and spread my money on 3 cards when I should of got 1.also when I went to another branch to look into it.he a XXXX male took my Id and keep it.etc
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Equifax To Whom It May Concern : I continue to dispute the validity of this account. I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked all three credit bureaus on three different occasions to verify the account listed on my credit report, and all three credit bureaus updated my report with verified. XXXX XXXX. However it was not corrected. Under the fair credit reporting act : Agencies fail to follow guidelines for handling disputes. Creditors give reporting agencies inaccurate financial information about you. Credit reporting agencies are obliged to correct or delete inaccurate, incomplete, or unverifiable information. I have a right to dispute incomplete or inaccurate information in your report and provide the verification method. 

XXXX- is reporting the collection account as a collection, open date XXXX last active date XXXX 

XXXX Is reporting the collection account as a collection, open date XX/XX/XXXX, last active date XX/XX/XXXX Equifax- Is reporting the collection account as open with a past due balance and balance, payment status Late 120 days, open date XXXX. Date last active XXXX 


Please delete all unverified collections immediately.
Product: Mortgage

I filed a complaint last year. When I go online to check status the database has " several '' of my previous complaints intertwined with several of my previous and current complaints. The complaint I am trying to file a complaint today has to do with Bank of America. Bank of America has been practicing Predator Lending Tactics with my late daughter who was an XXXX Veteran. My late daughter ( XXXX XXXX XXXX ), AKA XXXX XXXX, suffered great XXXX among many other ailments until she committed XXXX. My late daughter was harassed by Bank of America tremendously and now they pick up where they left off with ME! On my previous complaint ( s ) I stated that Bank of America 's latest Predatory Lending Tactic was/IS to REFUSE my mortgage payments. Bank of America " knows '' that there's a current Bankruptcy case. Bank of America know that if they REFUSE my mortgage payments they can 1 ) ruin my bankruptcy case 2 ) raise my mortgage payment ( s ) 3 ) OBTAIN OUR FAMILY HOME THAT MY DAUGHTER PAID THE ULTIMATE PRICE FOR!!! Please help our family maintain our family home that my daughter fought so hard for. I have too many documents to fax, email etc., for this reason I would like to meet with someone personally so that they can make hard copies? XXXX XXXX for The Estate of XXXX XXXX XXXX ( XXXX XXXX ).
Product: Checking or savings account

Since opening my account I've had nothing but issues. First I have had to pay to have 4 debit cards mailed. I have not recieved a single one. I've been In the branch 4 different times. Once they even gave me a cashiers check for XXXX however they say the system will not allow them to print me a debit card. I wrote a check to my son so I could get my funds the bank refused to cash it. I tried to transfer my funds the bank refused to transfer my funds. Now they have me locked out of my account yet again and refuse to unlock my account. Stating I have to drive 3 hours to the only branch in my state to show my id to unlock XXXX account. Again. I told them I wanted to close XXXX  account and they can mail me a check to my address on file. They refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Inquiry date : XX/XX/XXXX ; Removal : XX/XX/XXXX Appeared on report : XXXX XXXX XXXX XXXX NY XXXX Address ID # : XXXX Type : XXXX XXXX code : XXXX ( Info is attached ) ========================================================= <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove from all 3 bureaus immediately> DEPT OF EDUCATIONXXXX XXXX : {$2400.00} DEPT OF EDUCATION/XXXX XXXX : {$5800.00} DEPT OF EDUCATIONXXXX Balance : {$5800.00} Total balance : {$14000.00} ========================================================= *** Please remove fraud alert from all 3 credit bureaus until it's requested again ***
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke to XXXX  about my inquires back in XXXX. I still havent had them removed. I spoke with them in XXXX, XXXX, and XXXX and they are still there. The creditors that put the inquires out there have sent several letters to XXXX   as well. The inquiries that need to be removed are the 5 XXXX XXXX XXXX inquires from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 1 inquiry from OneMain on : XX/XX/XXXX 1 inquiry from XXXX on XX/XX/XXXX 1 inquiry from XXXX/XXXX on XX/XX/XXXX 1 inquiry from XXXX XXXX on XX/XX/XXXX I have already sent over documentation stating that I did not make these inquires.