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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX XXXX : {$2200.00} Consider this request as a follow-up to make sure the listed accounts are fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
2.XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
3.XXXX XXXX  XXXX XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
4.XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
5.XXXX  # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent.
Product: Credit card

I received an application for another citi AA card with XXXX bonus miles if I purchase {$3000.00} with first 3 months. I have had my primary card for approx short of 2 years and has been in excellent credit history and payment history. I was surprised that they were asking me to apply for a second card, but I figured the extra mileage points were a welcome and they would waive the annual fee for the first year. I applied for the card and I was accepted. I remember reading that I had to purchase {$3000.00} within first 3 months of the the new card to get the rewards. WHY because I could not find any mention of ANY rewards with my new card on line until I called customer service and was told of the terms I have stated above. I also submitted a comment that there was no mention of awards on my new card. Now after months of back and forth with CITI customer service on line with form letter responses, I finally get a real response from a senior complaint specialist stated that " from time to time we send promotion to customers who dont qualify for the promo even if they open a second account, our apologies but sorry '' They are contending that since my first card was less than 24 months open ( 21 months in XXXX ) I was not eligible for rewards but did get a second card which I have charged over XXXX dollars already. 

I stated that they have misled me and I would have never opened a new account if I knew that I would not be eligible for promo mileage bonus. I have been an exceptional customer and a fairly educated man and I can not believe that they can get away with this irresponsibility. This is wrong! Flat out wrong and misleading! 

I hope you can get through to them since I can not. 

I appreciate your help Sincerely XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested Credit Line increase with XXXX. They state in their online system that they will not do a hard credit pull, but I got a hard credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the recent Equifax hack. My personal information, including my Social Security number, address, full legal name, and driver 's license number was or may have been stolen. 

I checked through the site recommended by Equifax ( equifaxsecurity2017.com ) and was informed that I was affected by the hack. 

I was informed of this hack through traditional media outlets on XXXX XXXX 2017, months after Equifax knew the hack had occurred. Equifax kept this information from the public for as long as possible, and unknown amounts of damage may have occurred as a result.
Product: Debt collection

The original creditor ( XXXX XXXX ) had already charged off this debt and removed from my credit report. I received an updated copy of my credit report and found a collection agency named XXXX XXXX XXXX on it, stating that I owed {$10000.00} for a car that was repossessed over 4 years ago. I contacted XXXX and they have no record of my account. I then contacted XXXX and they referred me to another company named XXXX XXXX XXXX. When I spoke someone at XXXX, which said that they are managing the account for XXXX. I explained to them that this debt was charged off years and should not be on my credit report. They stated that they bought the debt and was trying to collect on it. I then stated, how can they buy something that was charged off and try to collect on it years later. I never received any correspondence or phone calls from either company XXXX or XXXX concerning this debt, it just showed up on my credit report. I explained to the representative that I do not have {$10000.00} or half of that. I was told that legal actions will be taken if I do not settle this debt. Something truly needs to done about XXXX buying and trying collect on old debts that the original company had already charged off and removed from their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account nor did I sign anything for this account please review and delete ... this is nog my account its been fraudulently used for over 2 yrs.. opened XX/XX/2017 2017
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate reporting of late payments on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). As a consumer, I am concerned about the negative impact this misinformation has on my creditworthiness and overall financial well-being. 

Account : XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX NUMBER XXXX ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXXXXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX  ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT NUMBER XXXX Upon reviewing my credit report, I discovered discrepancies in the reporting of late payments that do not align with my payment history. According to Section 611 of the FCRA, consumer reporting agencies must ensure the accuracy and completeness of the information provided in credit reports. The reported late payments are erroneous and misleading, significantly affecting my credit score and financial opportunities. 


I have previously contacted [ XXXX ] on [ XX/XX/2023 ] to dispute these inaccuracies. Despite my efforts, the incorrect information remains on my credit report, causing undue harm to my creditworthiness and financial reputation. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action in accordance with the FCRA. I also ask that all inaccurate information related to the late payments be removed or corrected from my credit report. 


I appreciate your prompt attention to this matter and look forward to a resolution that ensures the accuracy of my credit report and protects my rights as a consumer. 

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

My XXXX XXXX Credit cards are not populating on my XXXX  credit report. I have collection items that are paid but are still showing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IN XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX : {$110.00} XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 'S XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : {$1000.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX ( XXXX Creditor : XXXX XXXX  XXXX XXXX XXXXXXXX ) XXXX : {$110.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I have sent out letters to all three bureaus Equifax, XXXX  and XXXX  about inaccurate items reported on my credit report. It is going past 60 days and I still have not received a response from either of the bureaus.I feel like I am being ignored and demand a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$1800.00} listing XXXX XXXXXXXX as the original creditor to XXXX and Equifax. In violation of FCRA and FDCPA, a Collection should not have a balance amount reported as past due. This matter is inaccurately and incorrectly listed as a collection and also a balance amount past due at the same time. I previously disputed this same Collection to XXXX regarding XXXX XXXX, XXXX reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$1800.00} listing XXXX  XXXX as the original creditor. XXXX removed the XXXX XXXX, XXXX erroneous and inaccurate Collection account. I hereby further dispute XXXX XXXX XXXX pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. XXXX XXXX, XXXX is not my creditor. I also dispute XXXX XXXX as my original creditor. XXXX XXXX doesn't appear on my credit reports and this isn't my creditor. I dispute the entire balance currently and updated balance/ updated balances pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file. Equifax failed to provide documentation concerning the accuracy being disputed. Equifax is in direct violations pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY.
Product: Checking or savings account

Hello once again I was trying transfer my funds off the account and PayPal the amount of {$120.00} and basically is holding my money I called XX/XX/2022 and they kept making excuses putting me on hold and kept saying its there security system but there not giving me a reason why the transfer wasnt going thru they literally do this everytime and tried maker send money to a unknown PayPal XX/XX/2022 now Im on the phone with them they have been nun but rude slamming the phone cause Im asking questions then literally catches a attitude so at this point I want my money and really want to sue this company they literally keep telling me they dont a solution and dont know what to do so now I want my money of the account
Product: Mortgage

A communication was hand delivered to me with information that my home is scheduled for a sheriff sale on the XXXX of XXXX, XXXX. I am current on a mortgage that was modified by XXXX  XXXX XXXX since XXXX. I was in the process of refinancing my loan to a better rate and found out that there is a second lien on my home and is requesting an unpaid balance of about XXXX. My loan was bounced around to few servicers and ended up with XXXX  XXXX XXXX. I do not understand why the information on the second lien was not fed to me during the modification period? The purpose of the modification program was to help home owners keep their homes, but not giving consumers the totality of deal defeats the purpose of the program in the first place. My loan was in two parts, a first and a second ( 80 % and 20 % ). XXXX  XXXX XXXX modified the 80 % and left the 20 %. I was of the understanding that once I kept up the modification agreement, my home was safe. Now after paying the agreed amount from the modification agreement from XXXX to present, I am told that my home is going into foreclosure. I think it was unfair to modify my loan without mentioning the second lien, or why would the original holder of my loan turn over one part of my loan to a different company and not the other as well? They are now requesting XXXX, XXXX which includes lawyers fees and unpaid balance. The original loan was for about XXXX.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2020 I XXXX XXXX myself XXXX from my bank of America account because of my identity stolen I could get two forms of ID. XXXX held on to the money order and claim they would refund well as of today no refund has been given... I need my money
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$3700.00}, XXXX XXXX XXXX Opened : XX/XX/2019 Balance : {$5000.00}, XXXX XXXX Date XXXX : XX/XX/2019 Balance : {$7900.00}, and XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$7600.00}.
Product: Mortgage

Hello, With my current mortgage company back in XX/XX/XXXX when they took over from my previous company. It was a rough start, the property is in Texas and I live in Michigan, the old company knew my michigan address and it 's all over he paperwork, and I had the auto payment option activated. The new company took over and communicated with me via Texas address knowing that I do n't live there, that continued until XX/XX/XXXX when I figured that and called them just to find a threat of pay or foreclosure, I asked for statement, address, routing info ... etc When received the statement it contained about {$1200.00} in repair fees, I was with work in XXXX, TX since XX/XX/XXXX visited the property at least once a week and I am the one who cut the grass and water the trees, I never seen them or any notice or letter, anyways they refused to waive the XXXX however they reduced it. while I was in the process of discussing the charges with them someone came and broke into my house, and stole tons of my goods, then put a lock on the door with password, apparently that was the mortgage company. They cried for hours and claimed this is a third party then waived part of the charges. Now I asked for my new insurance company for more than a year and did n't get it until I went on XXXX  and created a scene then their rep was more than happy to assist. This year, deja vu same thing happened more than a thousand dollars charges for repairs, more than half of it for cutting grass!!!! They failed to pay my taxes on time to the county from my escrow ( granted I kept an eye and reminded them 5 times to pay it ), then they added the late fees ( more than XXXX dollars ) to my charges. I called them in XX/XX/XXXX to inform them that I am unemployed and need to fill the appropriate forms and see what I can do, that was followed by several calls and nothing is done, again I only got it when I created another scene on XXXX early this month. This is a small snap shot on what they did excluding all the uncalled for derogatory and racial comments I heard during they ugly process. I need help, I am helpless and had no say when this brutal company took over.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible
Product: Debt collection

back on XX/XX/XXXX. I sent a letter to CCS Collection Services as Follows : CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX re account # ending in XXXX Dear collections agency This is a dispute letter to show XXXX XXXX XXXX XXXX  are not creditors and should not be listed on my consumer credit report. 

Using as an example XXXX XXXX XXXX vs. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX- XX/XX/XXXX, XXXX XXXX. 

And it says : To the limited extent to which it is set forth in the declaration the transaction before us is similar to that in the XXXX case. There the insured was offered a plan under which the annual premium could be paid in XXXX installments with a down payment of XXXX percent plus a flat monthly service charge. If an installment were not paid when due, the sole remedy available to the insurer was cancellation of the policy. Indeed, in the event of cancellation for any reason, the insurer could make no claim for any premium earned for coverage already provided but not paid for by the insured. The court concluded that the insurer was not a creditor of the insured, that the transaction was not a consumer credit transaction and was not subject to the XXXX XXXX. XXXX v. XXXX XXXX. XXXX, It also states : the Federal Reserve Board have consistently taken the position that insurance premium financing plans " in which the customer is not obligated to make remaining payments but may elect to cancel at any time by simply not paying an installment when due, would not create the creditor-debtor relationship required before a transaction becomes subject to [ the disclosure requirements of ] Regulation Z. '' XXXX XXXX of XX/XX/XXXX Now as per the following U.S. Codes : 1 ) 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX making the report. 

2 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person ( And no one there has been authorized in writing to do so. ) With that being said you have five business days to remove any and all traces of this from all 3 agencies if not done in 5 business days I will meet with my attorney to discuss further action. 


Best Regards, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prejudice XXXX All Natural Inalienable Rights Reserved