23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX DATE : XX/XX/XXXX Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 
XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general it, XXXX any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an any items of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvesIgaIon ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
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  The personal information is XXXX - XXXX remove this from my credit report immediately! 
Phone Numbers : XXXX, XXXX, XXXX, please remove this from my credit report immediately Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This account is being reported inaccurately, please remove this from my credit report immediately Inquiries 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  This inquiry was not authorized, please remove it from my credit report immediately
Product: Checking or savings account

When I tried to open an account with Citibank online rather a checking account or a savings account it always says there is a technical problem sorry for the inconveniences when I call Citibank they make do a lot thing nothing works and when I tried to open it over the phone they have not able to do it I'm trying to figure out what is the best solution and when I tried to open in the branch after couple days they close it without telling me why
Product: Checking or savings account

I cant to open any deposit accounts because it seems like my name is in some early warning services. I have no idea how to fix this problem. Im a victim of identity theft n its been nightmare for years. I dont know what to do..sigh
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data XXXX my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX Balance : {$470.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When Affirm started out the only way to access your account was with the phone number you used while setting up the account. For verification purposes, whatever number that was on file, would receive a text code in order to log in, or for customer service to access the account, or to make payments. Months after having the account and making on time payments I had issues. I changed my phone number ( I switched cellular service ) and was unable to access my Affirm account. I called Customer Service to get my phone number updated and to make a payment and basically Customer Service couldnt help. In order to make changes to the account I needed the code texted to my OLD PHONE NUMBER, which I didnt have. I called several times, tried to make payments and tried to update my information but it was nothing Customer Service could do. The last attempt a Customer Service Agent told me after a couple of days if theres no payment Affirm will call me to try and collect the payment and that he attached my new number. No call happened, I couldnt log on, I called back but nothing happened. Eventually Account went into default then went into collections. At that point I was able to pay, but it wasnt as easy. XXXX XXXX had to update everything before I was able to pay, address, phone number, amount and once it was updated weeks later I was able to pay the bill. Bill was paid in full, Affirm will not update my status as paid in full, and I keep getting declined for future loans because of this. This account is several years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is reflecting a bankruptcy >Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I contacted the court and they responded do not to you or any credit bureau for that matter ; therefore the item with the court was either an error or fraudulent. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis nexis Company is reporting a lien against me since XX/XX/2023 without properly notifying me or me giving them written permission to report on my behalf
Product: Money transfer, virtual currency, or money service

I signed for Paypal Merchant Processing through XXXX XXXX  through a Paypal Sales Associate and fulfilled all the requirements to redeem the offer. Yet Paypal has yet to send my email to XXXX to confirm I have fulfilled the requirements. 

I have contacted XXXX multiple times and they said Paypal needs to be the one to send them my email address to confirm I have fulfilled the requirements so I can get credited as XXXX for the signup at Paypal.
Product: Bank account or service

Greetings, I made a deposit at an on-premises ATM for my checking account with US Bank on XX/XX/2017 in amount of {$6600.00}. Checking account has been opened around 30 days ( or less ), but XXXX checks are drawn on US Bank. Customer service informed me that a seven ( 7 ) business day hold is being placed on my account due to Regulation CC. 
XXXX checks are US Bank Checks. XXXX check is my payroll check from XXXX. XXXX check is my business account at US Bank. 
Please, review and advise.
Product: Debt collection

On XXXXXXXX XXXX, I sent a certified letter to AR Resources Inc to cease contacting me on a debit I did not owe. This past month, AR Resources has begun calling my cell number. I do not answer as it is from a " restricted '' number. A minute later, another call comes in and a voice mail is left for me to call them back.
Product: Student loan

I was informed by Mohela that my loan did not qualify for forgiveness. I did everything I was instructed to do to have my loan forgiven. My application was submitted and my employer was on the PSLF list. In addition, they have increased my loan balance tremendously for no reason. PLEASE HELP!
Product: Credit card or prepaid card

HI, my name is XXXX XXXX, dob XX/XX/1956. 
I rented a car from XXXX rent a car from XXXX The rent was {$750.00}, rental agreement XXXX. I used my Wells Fargo Credit card, and I had like {$2000.00} available credit limit on my card. Before the rental was closed, Wells Fargo decreased my credit limit from {$4500.00} to {$2500.00}, so when the rental agreement was closed I went with {$600.00} over my credit limit. Wells Fargo also demands to pay in full the {$600.00} over my credit limit. This puts me in financial burden and hurts my credit score. 
I called Wells Fargo Bank and tried to solve the situation without success. I was told, nothing they can do. 
When acting so, Wells Fargo should take in consideration outstanding preauthorized charges, so those outstanding charges wont bring my account over limit. 

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

There are over 6 accounts on my credit that do not belong to me I have disputed these items with the bureaus and I have not gotten any response back I want this taken care of since it is not my fault but is affecting me 100 % Account Name : A - XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX INQUIRIES Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : A - XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : A - XXXX XXXX XXXX Inquiry Date : XXXX  XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : A - XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the XXXX Credit Bureaus last XX/XX/XXXX2022 to correct/fixed these suspicious items. I think you have not validated these items in accordance with FCRA and I will pursue legal action against you. This was already included in my prior complaint and I'm including it again. 
XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX CARD Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX/XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt disputing with XXXX, Transunion and XXXX. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts : 1. XXXX XXXX- REPORTING 4 MISSED PAYMENTS 2. XXXX XXXX XXXX XXXX-REPORTING 1 MISSED PAYMENT 15 USC 1681 SECTION 602 states I have the right to privacy.

15 USC 1681 SECTION 604 SECTION 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC code 1681a states Defintions ; rules of construction - Exclusions. -- Except as provided in paragraph the term " consumer report '' does not include -- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B states - A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
THE FCRA ALLOWS 30 DAYS FOR THIS TO BE RECTIFIED.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment and frustration to follow up regarding the persistent presence of fraudulent items on my credit report. Despite previous complaints and attempts to rectify this matter, the fraudulent entries remain unresolved, causing significant distress and financial harm. 

As I have previously communicated, these fraudulent items are not only inaccurate but also detrimental to my financial well-being and reputation. Despite providing extensive evidence and documentation supporting my claims of fraudulent activity on my credit file, it appears that little progress has been made towards resolution. 


I demand immediate action to thoroughly investigate and remove these fraudulent items from my credit file. It is imperative that your team conducts a comprehensive review of the evidence provided and takes decisive steps to rectify this egregious error. 

I expect a prompt response to this complaint, outlining the concrete steps being taken to address the fraudulent items and a definitive timeline for resolution. Additionally, I request regular updates on the progress of the investigation until this matter is satisfactorily resolved. 

Failure to take immediate and decisive action to rectify this situation will leave me with no choice but to escalate this matter to relevant regulatory authorities and pursue legal recourse to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance Owed : {$150.00} XXXXXXXX XXXX XXXXXX/XX/2020 TransUnion : XXXX XXXXXXXX XXXX XXXX, AZ XXXX.
Product: Vehicle loan or lease

I would like to see them return my money and and pay off my car for asking for a down payment of XXXX and pressuring me to buy an extended warranty for XXXX. So a car that started off at XXXX ends up costing XXXX Which the car isnt even worth that much. 
As a woman I felt like I was being taken advantage of.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I opened up a XXXX XXXX XXXX card because the associate said I would get 25 % off purchases made that day and the next day. I was looking for a disclosure about the 25 % ( because I thought it was 20 % ) and the associate said they didnt have any updated ones so I never got one. I just received my first statement in which the balance is {$1000.00} ( my actual balance is {$1100.00} because I purchased items online that night, so the complaint is for the full amount of {$1100.00} ). When looking at my purchases, I did not receive the 25 % off of everything like I was told. I called customer service and they told me the 25 % off was up to {$100.00}. I was never told this and would not have opened the card. The customer service rep transferred me to a manager at the water tower XXXX in XXXX where I opened the card and she told me she was going to contact the manager of the associate and call me back, but I still havent received a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax credit reporting a few times requesting that they please report my XXXX/XXXX account onto my credit report. This credit card has a XXXX balance on it and will help my equifax credit score. I was told I need to contact XXXX and have them report it to equifax. I contacted XXXX and was told they do report to all 3 credit reporting agency 's. I explained that this account is not reporting to equifax. I could not get any help. I called back equifax and explained what XXXX told me and they could n't help. I am submitting this complaint because I want this account to report on my equifax credit report.
Product: Credit reporting or other personal consumer reports

identity theft is what happened and also i asked to lock my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX, XXXX Account XXXX, XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

We are in the middle of a loan modification application that our lawyer has filed back in XXXX of XXXX. They received it on XXXX XXXX. The Attorney for Select Portfolio Servicing inc is ignoring the application and notified the XXXX XXXX Sheriff 's office never notified us and the Sheriff set a date for our house to be Auctioned off on XXXX XXXX. We are going to file 2 adjustments that equal at least 60 days. It took the mortgage company almost 8 months to send me the assumption form to sign and date which was on XXXX XXXX by facing it over to us. I faxed it right back to them after reading and signing it and I also expressed mailed it today. They refuse to notify the Law firm XXXX about the loan modification application. We have people calling us and ringing our door bell all hours of the night. They are Harassing us. They also said our social security cards were not readable so we sent them certified mail return receipt and they received it on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX  Dear Experian, I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 Account Number : XXXX  Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXXXXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

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

I am writing this statement to expunge the following information off of my profile. The items that I need expunged are already listed in the report. I'm a victim of identity theft and did not make these charges. I'm asking that these items be expunged so that my credit report can be up-to-date and correct. I've already reported to the Federal Trade Commission and printed out copies of my affidavit I would really appreciate it if these items get deleted expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONGOING ISSUE YET TO BE FIXED ALL YEAR!!! XXXX # XXXX On XX/XX/20, I submitted a complaint to XXXX and EQUIFAX, that my XXXX account ending in # XXXX not showing on my Equifax credit report. I have been trying to fix this issue all year long. Equifax blaming XXXX, XXXX blaming Equifax. This issue has been going on since XXXX! 

On XX/XX/20, I called XXXX to follow up on this issue for the 100th time this year, a representative told me my XXXX account ending in # XXXX will be reporting to my Equifax credit report within 3-5 business days. -THIS NEVER HAPPENED! 

On XX/XX/20, XXXX XXXX responded to my CFPB complaint and stated he see 's the issue and the account will be updated on my credit report within 30 days. -AGAIN, for the XXXX month, THIS NEVER HAPPENED. 

I've also received letters from XXXX representatives XXXX ( XX/XX/20 ) and XXXX ( XX/XX/20 ), stating that the issue is fixed and should be back reporting to my Equifax file. 

I need a STRONG XXXX manager and Equifax manager to contact each other and finally fix this issue!!! I'm tired of being told it will be reported in 30-60 days, everytime I call XXXX or Equifax, it's the same story. FIX THIS ISSUE NOW! Do not respond to this complaint until a manager from XXXX and Equifax has spoken and 100 % fixed this issue!
Product: Debt collection

After disputing debt through XXXX, account was closed. Then reopened by being transferred to debt collector which was also submitted in court under Bankruptcy. Have not been able to communicate with them to dispute reopened account. Which is inaccurate.