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

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card or prepaid card

XX/XX/2019 I logged into my credit card online account and scheduled a single payment for XXXX dollars. Two listings in the scheduled payments queue appeared. Each listed scheduled payment as the ability to click on it individually and cancel it. I intended to cancel one of the two scheduled payments, with no explanation of why the two listings appeared after only one payment was scheduled in the first place. Both listings of the scheduled payments disappeared. This left me with no scheduled payments pending and I was left to again may a second attempt to enter a scheduled payment. Again two separate listings appeared, this account was rather new to me and I made the determination this must be how the website lists a payment schedule in its pending payments section so I tried to make no further attempts to fix this. I had faith only one payment would process and this is just a programing graphic glitch. The next day two payments processed to my original concerns. I called the credit card company immediately and was told that one of the two identical  payments would be refunded in 24 hours, Saturday. No refund appeared and I checked again on Monday with nothing having taken effect. I called again and was told the last agent I spoken to on Friday was very incorrect and it would take three weeks. I told the agent that was way too long to wait for US Bank to correct their programming error and get back my XXXX dollars. I was then told I can call my own bank to contact US Bank to expedite this, then I asked what information do I need to refer to my bank so they knew how to proceed. I was placed on hold for a long time and then told to forget that original set of instructions. That there was no need to contact my bank because that is not part of their internal processes. I would just have to wait three weeks as originally told before being placed on hold. I told them I wanted to cancel my card and make payments on the balance for the rest of the term that I had an introductory zero APR. I was told if I pursued canceling my credit card that my introductory zero APR would end. I complained that US Bank really made some huge mistakes beginning with their website and their process for fixing them. I was told if there was nothing else they were going to end the call on me. I am afraid to use my credit card online account because a double payment can happen the next time I schedule a payment.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and noticed that The current personal information being furnished is inaccurate, not relevant and out dated information. I am requesting that you update/correct my personal information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
NAME : Please update the name to XXXX XXXX ADDRESS : Please update the address to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Please delete all other addresses, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

I do not wish to have any telephone numbers on my report.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), 1 am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete. I have attached documents to verify my identity and proof of address.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was closed paid and XXXX  balance but it continue to report account as late and it keeps affecting my credit report. Each year it places a annual fee and if I don't pay it is shows late. Even thru I am not able to use the account. I have disputed the accounts several times but it keeps coming back account verified. I tried to send a cert letter to address know to system but it was returned attempt unknown. I really need help because it keeps dropping points on my credit report and I am unable to apply for credit and its not my fault.
Product: Debt collection

Here 's the case : I called XXXX XXXX to settle the debt. XXXX XXXX was the person whom I spoke to. I stated I am calling to pay the debt only if it will be removed from my XXXX and XXXX credit report. XXXX XXXX said that once the payment was made Diversified Consultants will be removed from my XXXX and XXXX credit reports in 30-35 days. I made payment of account in full with this good faith verbal agreement. 30 days came and went. I checked my credit report and Diversified Consultants still remained on XXXX and XXXX credit reports. I called XXXX XXXX back and he transferred me to XXXX XXXX who sent the attached letter. 

I called Diversified Consultants again and spoke to XXXX XXXX and he told me in a rude, disrespectful and harsh tone of voice that Diversified Consultants will not be removed from my XXXX and XXXX credit reports. Needless to say, I was and still am LIVID!!!! 

I called XXXX back in 40 days and again 45 days and Diversified Consultants and was told by a XXXX rep in the complaints that XXXX would be remove Diversified Consultants from XXXX and XXXX Credit Reports. I check credit report again XXXX XXXX, 2015 which is precisely 45 days after payment was made and Diversified Consultants still remains on the reports. 

I spoke to XXXX XXXX ( XXXX ) - again on XXXX XXXX, 2015 and he told me that Diversified Consultants will not submit a letter of removal for this account from my XXXX and XXXX credit report and this account will not be removed. 

The tactic XXXX XXXX used to STEAL my money is FRAUD. This is bad for XXXX business and I will never, ever, ever return to XXXX for any service of any kind and I would NOT RECOMMEND XXXX to anyone because of the FRUSTRATION and LIES I received about this PAID account. 

Attached is the letter I received with no mention that account will be removed from credit reports.
Product: Debt collection

Letter states I have an account with this company, I never signed an agreement with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries 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

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX Balance : {$210.00} ; XXXX  XXXX XXXX : {$3900.00} ; XXXX XXXX Balance : {$470.00} ; XXXXXXXX XXXX XXXXXXXX Balance XXXX {$880.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$730.00} ; XXXXXXXX XXXX XXXXXXXX Balance XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$7600.00}.
Product: Credit reporting or other personal consumer reports

I am sending in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question : Experian XXXX CARD Date Opened : XX/XX/XXXX XXXX Balance Owed : {$7900.00} XXXX CARD Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4900.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2100.00} -- -- -- -- -- -- -- XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$7900.00} XXXX CARD Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4700.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2100.00} -- -- -- -- -- -- -- XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} XXXX CARD Date Opened : XX/XX/XXXX XXXX Balance Owed : {$7900.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update these disputed accounts. Please forward me the name and addresses of persons contacted. XXXX ( XXXX ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the accounts must be promptly updated according to Section 1681i ( a ).
Product: Credit reporting or other personal consumer reports

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time framespecified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Collection company contacted me about a medical debt from two years ago for an emergency visit. I explained to them that I always had insurance and my emergency room copay was {$250.00}. They told me I owe {$1500.00}. I provided them with my insurance information. They did not reply to the information I provided via email to the representative that contacted me, and after a couple of weeks resumes calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire new financial products. I have requested contracts from this company with my information but I have not received any response from them, please help me immediately delete these inquiries. Here I add the FTC report hoping that you make a better decision in my situation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I received my monthly mortgage bill. The payment due was showing {$1100.00}. That exact amount was paid on XX/XX/XXXX. 
I received a letter dated XX/XX/XXXX claiming that my account was 15 days past due. and that a late charge of {$57.00} had been applied. I immediately called customer service. They seemed confused themselves and I was told I would get a call back the next day. 
When I finally received a call back, i was explained that the amount on the last bill was not a payoff amount. I insisted that I paid the amount stated on the bill and that I could not understand why my account was considered late. 
After a few calls, I was finally given a payoff amount of {$220.00}, which I was first told could not be paid over the phone and that I needed to wait for a letter stating the payoff amount. 
By then, more time had gone by and the amount I was to pay was {$320.00}. I called on XX/XX/XXXX and, surprise! This time the payment over the phone was possible! 
Then I received another bill for {$77.00} Then a " Request For Mortgage Assistance Application '', followed by a credit on my bill for {$120.00}, but a refund check for {$72.00}. 
I would have expected from my mortgage company to send payoff amount before the term, just like another mortgage company did for my wife. I could have avoided all that confusion and a credit report showing a late payment of under {$100.00} and a loss of over 100 points off my then exceptional Fico score. 
I feel that the reporting has been unjustified and unfair and wish you review this to help me resolve this.
Product: Credit reporting or other personal consumer reports

The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and XXXX  distress that this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reporting fraudulent accounts on my XXXX  and equifax report. I have I sent in my FTC affidavit, my id and ss # and and fraudulent inquiries. The company has not investigate my claim and claim they don't have any of my information. I also sent a claim from cfpb website and the company responded that I wasn't the person submitting the claim.
Product: Credit card

I left the country on XXXX XXXX 2015 and returned on XXXX XXXX, XXXX. My son was in charge of paying all my bills during the time I was abroad. All my bills were sent to my address in paper format. Thus, my son would come to my house open my mail and proceed to pay my bills. 
The problem emerged with my Citicard credit card when this credit card company changed-without my permission or knowledge- the billing format from paper to paperless. 
Unbeknownst to my son there were 2 payments that were not payed due to the credit card company 's illegal decision to make the change from paper to paperless. 
While I was XXXX- I had no access to my Citibank credit card internet account, and my son ( nobody else for that matter ) had NO access to my password to this account.. Therefore it is impossible that we would change the format of billing. 
When I got back home to the states, I checked my e-mail and realized what had taken place. I immediately called Citicard and began a chat with one of their agents who admitted that Citicard had changed their form of billing. I also requested that they reverse the late charge fees, as they immediately received my complete payment. They did reverse the late charge, and they received my complete payment. 
Days after I thought that this situation was resolved, since they reversed the late charges and seemingly understood what had taken place, I receive a letter ( copy attached ) stating that due to the 2 late payments, Citibank is decreasing my credit limit. 
I called Citibank as a result of this letter, and after reaching an agent who ca n't help me with this situation, I am assured that a superviso was not available and would call me within 24 to 48 hours. No supervisor from Citicard has called yet. A week has transpired since they promise they would call me back. 
Not only they have decreased my credit limit, they said that they have reported the late payments to the credit reporting agencies. My FICO score has been in the XXXX or higher for years. 
My desired resolution is that Citicard : 1. Restores my credit limit 2. Restores my good credit by clarifying the reason why these payments were late. Citibank CHANGED MY FORM OF BILLING TO PAPERLESS WITHOUT MY KNOWLEDGE OR PERMISSION.
Product: Credit reporting or other personal consumer reports

Pre-Arbitration Notice and Intent to File Legal Proceedings Regarding Improper Account Retention, Non-Account Removal, and Statutory Violations : 15 USC 1681a ( 2i ), 15 USC 1681 ( b ), 15 USC 1681c ( 5 ), 15 U.S. Code 6801, and 15 U.S. Code 6802 of the Fair Credit Reporting Act ( FCRA ) This Notice is hereby given that I am initiating pre-arbitration proceedings due to its violations of the following federal laws and the failure to remove an inaccurate account from my consumer report, and its willingness and KNOWINGLY BREAKING THE LAW AND VIOLATING MY CONSUMER RIGHTS.
Product: Credit reporting or other personal consumer reports

I am certain that I pay on time every month. However, I don't understand why this company is reporting me as late in some months, which is incorrect. USC 1666b mandates that billing errors be fixed and updated to show the account as paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit Reporting act Capital One Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

this has been on my report since 2011 .they keep updateing the start date .it, s been almost 9 yrs for a bill i never owed .i had a 2 yr contract with XXXX two years was up when i left XXXX XXXX and went with the company i work for ( XXXX ) which also uses XXXX and i am still with them.if you look at my payment history you will see i pay my bills .this XXXX for XXXX i never owed and will never pay. i don, t  understand how they can keep changing the start date from 2011.this should not be on my report after 9 years.
Product: Mortgage

We are attempting to refinance our mortgage loan with XXXX XXXX XXXX XXXX. The credit union is not able to make contact with Fist Mortgage for pay off information. I have attempted to make make contact with First Mortgage by phone and e-mail and have not been successful. When attempting to make contact by phone, mail box is full. I sent them an e-mail and have not received a response. I also attempted to login into my account with First Mortgage on the internet and was not successful. After doing a XXXX search I was able to obtain information that their mortgage loans have been sold to XXXX XXXX and to XXXX. I contacted both of these financial institutions by phone and was advised that they do not have our loan. XXXX XXXX did indicate that First Mortgage did not sell all of their mortgage loans. We have received no written notification that our loan was sold and to who it was sold to.
Product: Credit reporting or other personal consumer reports

Equifax : XXXX XXXX XXXX XXXX, GA XXXX Re : Formal Dispute Letter & Request for Debt Validation To Whom It May Concern : I am writing to dispute the following items on my credit report : PORTFOLIO RECOVERY DEPTEDNELNET Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am requesting validation and detailed verification of these items. Specifically, I require : 1. Complete documentation showing you have verified the accuracy of these items with the original creditor, as required by 15 U.S.C. 1681i ( a )..

2. Copies of all pertinent information relating to these items, including but not limited to Original signed contracts or agreement - Account statements showing the alleged default - Documentation of assignment/transfer if debt was sold - Proof of your legal right to report this information - Documentation of all dispute investigations conducted 3. Evidence that you have followed " reasonable procedures to assure maximum possible accuracy of the information as required by 15 U.S.C. 1681e ( b ) Please note that under 15 U.S.C. 1681i ( a ) ( 1 ), you are required to : - Complete your investigation within 30 days ( 45 days if I provide additional relevant information ) - Forward all relevant information to the furnisher - Report the results to me- Provide a free copy of my credit report if the dispute results in a change If you can not provide complete verification and validation of these items within the statutory timeframe, you must delete them from my credit report as required by the FCRA, 15 U.S.C. $ 1681i ( a ) Additionally, please ensure that these disputed items are marked as " disputed '' on my credit report while your investigation is pending, as required by 15 U.S.C. 1681c ( f ).

This is a formal request under the FCRA, and the clock for your 30-day response requirement begins from the date of your receipt of this letter. Failure to comply with these legally required actions may constitute a violation of the FCRA. 

I look forward to your prompt response and thank you for your timely attention to this matter. Sincerely, XXXX XXXX
Product: Checking or savings account

I responded to advertising that offered a {$250.00} " New Account Bonus '' for opening and funding a new checking account. I have never banked at this place before. I completely qualified for the bonus, having my retirement annuity direct deposited into this account for three payments.

They have refused to pay the bonus.
Product: Vehicle loan or lease

ON XX/XX/2013 I SOLD THE CAR TO THE TOWING COMPANY XXXX IN CALIFORNIA THE DMV SEND ME A MAIL IN THE MAIL STATING THAT I STILL OWN PLATES AND CITY STICKER FOR THE CAR WHICH I NO LONGER HALF AND I EXPLAINED XXXX THE DMV THEY STATED THAT I HAD TO CALL THE FINANCE COMPANY WHICH IS NISSAN MOTOR ACCEPTANCE WHICH I DID THEY STATED THAT THE TOWING COMPANY HAS CALLED THEM AND I ASKED FOR A LETTER STATING THAT I DONT HAVE THE CAR NO MORE THEY KEEP GIVING ME THE RUN AROUND I JUST WANT THIS SITUATION RESOLVED