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

To Whom It May Concern, This letter is a formal complaint that you are reporting " INACCURATE '', " INCOMPLETE '' and " UNFAIR '' credit information. 

According to the Fair Credit Reporting Act, 15 USC 1681. ( a ) ( 4 ), consumer reporting agencies are required by federal law to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

I am distressed that the Credit Bureaus have included inaccurate, unfair, and incomplete information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure accuracy in the credit reports they 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 " FAIR ''. The following information therefore needs to be blocked and removed! 


1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit reportXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXX Account Number : XXXX XXXX. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX Please see the following exhibits in my one single attachment. 

Exhibit A : XX/XX/2021 See below evidence that the US Bankruptcy Court of XXXX District of New York does not report to any of the agencies. 

Exhibit B : XX/XX/2021 I have opted out of XXXX XXXX, which houses bankruptcy data. 

Exhibit C : XX/XX/2021 I received a letter from XXXX XXXX that this information was removed from my file. 

As you can see from the above exhibits, this evidence supports that the proper procedures and fairness have not been maintained.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Ga XXXX XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX. 
Equifax Information Services LLC XXXX XXXX XXXX, XXXX, GA XXXX. 
TransUnion Consumer Solutions XXXX XXXX  XXXX, XXXX, PA XXXX. 

Subject : Disputed items in credit report Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately. 
XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX These Hard inquiries don't belong to me, hasnt being Authorized by me and has to be removed. 

Thank you for your time. 

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

In XX/XX/2021 AMEX Closed a credit card that I never had used and which had a {$0.00} balance, and simultaneously American Express ( AMEX ) charged me an invalid annual fee in the same month of closing the card. I called to raise this issue with AMEX when I got a bill for a charge I did not cause on a closed card. I was assured by AMEX the canceled card would have the annual fee removed, due to their mistake, and NOT to pay it. AMEX eventually corrected the amount owed to {$0.00} but it was over 2 months later. This resulted in AMEX inaccurately reporting missed payments of 60 days late to all three credit bureaus! I had offered to pay the fee when first due but was instructed by AMEX NOT to pay the annual fee since the card was canceled and the fee was not a valid fee due. When I disputed the inaccurate payment history with the 3 credit bureaus, AMEX 'validated " the information without making the proper correction. This has resulted in lower XXXX XXXX scores and higher interest rates which continue to cause me financial harm do to their inaccurate reporting to the 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

Over an extended period, I have diligently contested the inaccuracies present within the information provided to TransUnion. Despite my persistent efforts to rectify these discrepancies, I regret to inform you that the issue remains unresolved up to the current date. 

The following items are fraudulent and unauthorized : Creditor : XXXX XXXX XXXX  Date of Inquiry : XXXX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Alleged Collection account : Under advice of counsel for litigation the following collection company did not provide proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX XXXXXXXX {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/2022 I updated Transunion about a wrong address for a creditor that was listed on my credit report. The creditor was XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX. XXXX had the same creditor listed with address XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX The Creditor was removed after the realization but the defamation to my character was already done and has caused me many hardships to my life and family. I was never updated about the removal or any update to my credit score from either credit reporting agency. This was a grave error and their responsibility to complete accurate investigations before reporting on me as a consumer.
Product: Debt collection

Unfortunately, a death in my family has caused significant financial hardship, and I have been unable to keep up with my mortgage payments. However, I have been in contact with the bank, and they have agreed to remove the late dates and negative status of this account from my credit report as a goodwill gesture. Please the attachment for the details.
Product: Checking or savings account

Hello my name is XXXX XXXX and 3 days ago I filed a complaint about the treatment I received from XXXX at the Ameris Bank XXXX XXXX XXXX branch which also happens to be my home branch. I was told when I called to complain that someone would contact me about my complaint. Instead, I woke up today to find that my debit card had been closed by the very same branch I filed a complaint against and that they were attempting to close my account- a business acct Ive had since XXXX with Ameris. I also have a credit card thru Ameris and feel this treatment is completely unprofessional. No one else from Ameris can help me outside of the branch I complained about so Im in a XXXX XXXX  Today I was stranded because I couldnt buy gas or get an XXXX the reason? Well while my account is in good standing- the branch I complained about has blocked my debit card and only they can re-activate it. My daughter was late being picked up because Ameris thinks they can block me from accessing my money for no reason. No one from your staff had returned my inquiries at this point and Im at a loss for what to do.
Product: Checking or savings account

This letter serves as my complaint against Citibank NA as it relates to client/consumer access to Citi.com. As of the date of XX/XX/21 Citi customers have not been able to successfully log onto the website located at www.citi.com at all. I contacted a Citi representative on XX/XX/21 @ approximately XXXX PST about the matter. Her name was ( XXXX ) with reference number XXXX and she indicated that she was a Tech 2 website support person. I contacted XXXX at phone number XXXX. XXXX indicated that the website sign-in issue was an on-going issue that Citi was well aware of since XX/XX/21 and that they were diligently working to correct the problem. She then indicated that she would call me back within 24-48 hours about the matter. As of XX/XX/21 @ XXXX PST, I still do not have access to log into my online banking account. Attached is a screenshot of what happens when a customer attempts to log into the website. I also never received a return call about the matter from ( XXXX ) as she indicated she would do. This is horrible customer service and this type of practice is putting customers is jeopardy.
Product: Credit card or prepaid card

Im approved already for a credit card with continental finance and applied for another card on XX/XX/XXXX and was approve. However, they never sent mail with any info. Then I applied again on XX/XX/XXXX with verification being needed, no letter request, no email request just phone reps telling me to sending social security card, address and license. This made me uncomfortable given the fact Ive managed to keep their card thats already verified with the same info on my fit card application in great standing. Lastly, they refuse to offer me any credit line increases with the card I do have and or lower my apr over the last 1 and a half
Product: Credit reporting or other personal consumer reports

They had no right to use my information 605b with out my consent and I did ask them to remove the information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX, Acct. # : XXXX XXXX XXXX XXXX I sent a letter to XXXX XXXX on XX/XX/22 certified mail tracking # XXXX XXXX XXXX XXXX XXXX stating that illegal information is being reported by them on my credit report specifically, my credit utilization. In response, I received a letter from them ( attached ) stating that my request was received, and they need more information to research the credit bureau reporting of the account in question. 

THIS IS ABSOLUTELY UNACCEPTABLE AS THE REPORTING OF CREDIT UTILIZATION IS ILLEGAL. 

Upon carefully reviewing 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), it clearly states the following : ( 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 consumer and the person making the report ; As such, the reporting of any transaction or experience on my consumer credit report is ILLEGAL and forbidden by government.
Product: Credit reporting

I received a written letter from XXXX XXXX XXXX regarding an account. The written letter offered the option of " XXXX payment of {$430.00} '' and that my " account will be considered " Settled in Full '' after the payment is successfully posted. ( Please see attached letter ) I paid the {$430.00} ( please see attached payment receipt and bank statement ) and XXXX XXXX reported my account as " Reached An Agreement With A Lender To Repay Only Part Of The Original Debt ''. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " Settled in Full ''.
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 Account name : # 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 card or prepaid card

I had purchased a set of parts for my boat from a company located in XXXX. When the parts arrived I attempted to installed them as designed. The parts did not function and I engaged the company customer support for possible solution. The customer and tech support lacked the ability to fix or address the issue in appropriate matter. I asked for replacement or refund of the cost and the company disregarded the request. After numerous attempts to resolve this issue I contacted my Credit Card company to force a refund. I sent chat and e-mail logs regarding this issue. Detailed description with dates and times. The credit card company waited for over 4 months to come to a resolution ( even though the policy was 90 day turn around ) and has now refused the claim based on grounds that are not related to my claim.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX still will not comply with the removal of all discrepancies and collections from my accounts per listed Laws.

15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B I have been a victim of Frude with all three reporting agencies.
Product: Payday loan, title loan, or personal loan

Applied for {$45000.00} personal loan for a major purchase and was approved via an email and when I called in to verify the company said it was a marketing email although I just applied for that amount. So much for paying for that operation. See attached email.
Product: Credit card or prepaid card

Consumer Financial Protection Bureau ( CFPB ) -- been suggested i seek CFPH help because of the impasse here. I am trying to work with you and progress or cooperation on your part.

1. automatic monthly payments with high interest rate charges have been made and accepted every month 2. reviewed all the accessible receipts XX/XX/XXXX and accept those charges for the month. 

3. reject all other charges from day card was opened to present ( except for XX/XX/XXXX ) because you have not provided these receipts for me to review. 

4. expect a refund for full amount except for XX/XX/XXXX since request for list of all charges from inception of card to present has not been provided -- assuming these are fraudelent. 

Best Buy Citibank VIsa Balance : XXXX Valid Purchase:XXXX Fraudulent Purchases : XXXX Outstanding Balance Refund Owed to Me : XXXX XX/XX/XXXX XX/XX/XXXX XXXX Costco Autopayment XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FRAUDULENT Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX FRAUDULENT ACTIVITY Autopayment XX/XX/XXXX XX/XX/XXXX XXXX Autopayment XX/XX/XXXX No Purchases Autopayment " XX/XX/XXXX XX/XX/XXXX XXXX Autopayment " XX/XX/XXXX No Purchases Autopayment " XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX XX/XX/XXXX XXXX Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, 15 U.S.C 1681 section 602A. states that i have the right to privacy 15 U.S.C 1682 section 604A section 2 states that a consumer agency can not furnish a account without my written instructions.
Product: Mortgage

This inquiry/complaint is to Wells Fargo. XX/XX/XXXX, my husband began a reverse mortgage loan with your company. At the time, he was in his seventies, and no one ever explained to him that he would be responsible for paying the annual property taxes and insurance : as a result, these fees were paid by Wells Fargo. He passed away XX/XX/XXXX, but XX/XX/XXXX, I became eligible, by age, to take advantage of the non-borrowing spousal law. When I was told about the payments made by your company ( XX/XX/XXXX ), I offered to pay the amount due, but was told " hold '' my payment until I was notified. I was notified XX/XX/XXXX -but I was notified that my home would be sold at foreclosure on XX/XX/XXXX. On XX/XX/XXXX, I was informed that XXXX now owned my home, and I have been trying to negotiate ( unsuccessfuly ) with them for a equitablbe solution. At present, I am expected to vacate the home by XX/XX/XXXX. I am a XXXX year old widow with XXXX and XXXX and I have no family and nowhere to go. Please re-consider and help me.
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. 


Here are the following accounts which has violated my rights : XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX 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

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following items: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

XXXX XXXX is reporting a debt on my credit report that they do not have collection authority for. This debt collector represents an inactive debt and is a duplicate reporting. This debt is currently being pursued by another debt collector, effective XX/XX/19. Per the FCRA, a collection agency must validate the debt by proving it is an active debt within 30 days. I have made several attempts to have the credit reporting bureau remove this the debt but they have not complied.
Product: Money transfer, virtual currency, or money service

Wed XXXX amount of {$490.00} Possible fraud.. 
Not sure what to do.
Product: Debt collection

XXXX IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY IN A COLLECTION STATUS AND IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I Attach the letter too and they could not provide the promissory note of this alleged debt.
Product: Debt collection

My name is XXXX XXXX, a resident of Georgia and I am one of the many victims of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  elaborate Ponzi scheme. I have been working with XXXX XXXX XXXX, until his retirement. 

I am trying to communicate with my lender ( Navy Federal Credit Union ) that I am a victim of fraud. The vehicle in question is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a part of the fraud and that this matter is being investigated by the US Attorneys office in XXXX XXXX. 


The case number for the open Federal Investigation involving this matter is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and his email is XXXX XXXX XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX, my address is XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, my cell # is XXXX. I am a customer at the Capital One Bank in XXXX XXXX location. My father passed away and I am the only ( one alive ) beneficiary on his bank account. He has a large amount of money at Capital One bank in XXXX XXXX. This branch doesnt have customer service. I had to go to a teller, and XXXX the teller, submitted forms that I had to sign along with death certificates which were faxed to the legal department. These matters are only done by their legal department via email and phone. After several emails since Mid XXXX, I didnt get any response, so I called the legal department only to find out Your fathers account has been closed, but I didnt receive a check. The customer service person in the legal department, just kept repeating that without any explanation as to why. So I went back to the XXXX XXXX branch. Since all services are done thru the tellers window, I had to stand on a long line for over 30 minutes, then at the teller window for over 1 hour so they can locate my fathers account. I have a XXXX XXXX and standing causes XXXX XXXX. The teller finally did find the account. Apparently the legal department placed my fathers account under my name and closed it out under his name. But no check was issued to me.After more then a week, I then had to go back to the bank because I did not get any response or a check still. I was told by XXXX the teller that they needed again the death certificates of my father, mother and brother as they are all listed on the account, but all passed away. Again I gave the teller original death certificates to send to the legal department. Still no response a week later. My lawyer XXXX XXXX XXXX, XXXX  XXXX ) even contacted them, but no response to him either.. This is also holding up my fathers estate. My calls, emails and trips to the bank is doing nothing. I also have a large sum of money in this bank. Im concerned that something will happen to all this money. Because there is no reason for this bank to not release the money. Please help me receive the money my dad worked so hard for and that belongs to me so we can also finish the estate. I dont trust this bank. The bank is robbing me. Capital One contact information is : Bank XXXX XXXX Account Ambassador ; XXXX, Customer Service Phone : XXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account being reported by XXXX XXXX XXXX is not valid. The XXXX XXXX  credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment toXX/XX/XXXXXXXX  who both billed for the insurance and offered it from the beginning. Since synchrony bank received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.