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

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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 or other personal consumer reports

I am writing to follow up on my previous communications regarding the negative entries listed on my credit report. Despite raising this issue multiple times with your department, I am disappointed to see that these entries have not been addressed or verified accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2000.00} ; If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I brought up this exact concern to the Home depot before opening my account. I was guaranteed by the credit account manager that the Home Depot would never change account terms to add full back interest after the two year promotion date was over. Specifically he said that " The Home Depot cares too much for its customers to do that '' and that my account was " Two years no interest '' and that my concern was " two years deferred interest ''. THAT IS HOW HE SOLD ME ON CREATING AN ACCOUNT. Additionally, since I spend so much time TDY away from home, I have always set up payments so that purchases will be payed off in full before the end of two years. this method of managing my account has worked well for ten years with no problems until now. I don't know what went wrong. The auto payment were not nearly as agreed, in fact Citi made them digressive until the end of the two years and then added the full back interest to the principle. This is terrible PREDATORY lending and an internet search reveals Citi as absolutely famous for this. I contacted them when I learned about this and asked them to contact me to discuss it. No one contacted me. They just left me a message that they turned down my request. ( Which I hadn't even had a chance to explain yet ) Now, over a year later I have had some time to re-visit the issue and when I contacted Citi executives I was told that it had been too long ( even though I first contacted them when it happened ) and that it was my fault since I " chose not to manage my account ''. 
I don't deserve this. NO ONE DOES. 

1 I have excellent credit and have never missed a payment so why are Predatory Banks like City allowed to charge any interest rate they please?? 
2 why can Banks change the terms of credit accounts as the please and then tell me that " they sent me letter '' informing me of the change in terms?? Should notification methods be adiquate for EVERYONE, even if some people spend much time away from their place of residence. Why can't changes REQUIRE a confirmation.

3 How can organizations like Home Depot, Best Buy, Costo and others allow their customers to be taken advantage of by such a predatory lender as Citi? How can they possible demonstrate their disregard for their patrons any more clear?? ( I'm going to bring this up with the executives of each )
Product: Checking or savings account

Being a member of NFCU since XXXX, I have been charged overdraft fees unfairly as outlined by the CFPB and wish to be included in the consumer redress.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the second attempts made to remove fraudulent items from my credit report. Despite my previous efforts to rectify the situation, the issues persist, and I find the current state of affairs to be unacceptable. 

Here are the specific details of the situation : Clearly outline the nature of the fraudulent items, including dates, amounts, and any relevant transaction details. 

Provide a brief summary of the steps you have taken to address the problem so far, including dates and methods of communication with the company or service involved. 

If applicable, mention that you have attached any supporting documentation, such as screenshots, emails, or correspondence related to the fraudulent items and your attempts to resolve the issue. 

Describe the impact the unresolved fraudulent items have had on you, whether it be financial stress, inconvenience, or any other relevant consequences. 

Clearly state your expectations for resolution, whether it be a full investigation into the matter, a refund, or any other appropriate action. 

Specify a reasonable deadline for the company or service to respond to your complaint and take corrective action. 

I expect a prompt and thorough investigation into this matter to rectify the situation. If the issue is not resolved to my satisfaction, I may have no choice but to escalate this matter further, including seeking assistance from relevant consumer protection agencies or legal counsel. I am asking for your assistance to remove these fraud items in my credit 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 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 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: Payday loan, title loan, or personal loan

On XX/XX/XXXX My ex husband and I entered into an agreement with ISPC for the purchase of a water system for my home that I had just purchased. We signed the dotted line but there was no explanation that there would be a XXXX filing ( lien ) against my property, if I had known I would have never agreed to buy the system. My husband and I got divorced in XX/XX/XXXX and I was left with the payments, In XX/XX/XXXX, I filed for bankruptcy and I included ISPC in it. I did not find out about the XXXX filing until XX/XX/XXXX when I saw a physical copy that was sent to my lawyer 's office. In my statement of intent, I declared that I would be returning the financed equipments because I was no longer financially liable for it. At my hearing, the trustee asked me to call the finance company ( ISPC ) so they can approve the vendor ( XXXX XXXX XXXX XXXX ) to pick up the financed equipment. Well, XXXX which is an employee in ISPC legal department has been giving me the run around since XX/XX/XXXX. On XX/XX/XXXX, I called the company ( ISPC ) again, telling them to pick up the financed equipment because that was the reason why they filed a XXXX on my property, I was told that even though I am no longer financially responsible, my ex husband was. I provided them with my ex husband address and phone number, he relocated to a different state since XX/XX/XXXX, I do not have contact with the man. ISPC is guilty of unfair and deceptive tactics, no homeowner would agree to jeopardize their home over an overpriced water system that is faulty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times with XXXX and Experian that my bankruptcy should be removed as it is not verified. They claim to use XXXX to verify, but XXXX does not have a bankruptcy on file. I also confirmed with the Court that they do not provide bankruptcy information to third parties. All of this was sent in multiple letters, and yet they have stood by their claim that they have done their due diligence and it was verified. 

At this point, I am at my wit 's end with them and inaccurately reporting items that can not be verified through the channels they state. Furthermore, the two do not have the same information and are therefore not " accurate '' or " verified '' as they so claim. If it were, they would have the correct information and be able to provide me with tangible proof of their verification. 

Please advise on how to rectify this gross misconduct of accurate and verified reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting debts I do now owe. They are continuing to report a balance, they were included in Bankruptcy Docket # XXXX. XXXX is in clear Violation of the Bankruptcy Law and FCRA.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report removed the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with Experian. XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible.XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one, please put my credit card back on my XXXX credit file i didnt tell XXXX ti delete it at all, i did not file no complaint ti have it taking off, so add my card back on my report this credit card was deleted off my credit report with XXXX see please add this card back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent several letters to the creditor asking them to remove the fraudulent information, and I also asked the credit bureaus ( XXXX, TransUnion, XXXX, XXXX XXXX ) to remove the information as well, but all have declined to do so. 

My consumer rights are being violated under, 15 U.S. Code & 6802 " obligations with respect to the disclosure of personal information. '' because they never gave me the option to opt out of reporting my personal information to a third party. 


On XXXX/XXXX/XXXX, I reached out to all parties to rectify the issues. 

U S DEPT OF ED/XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$23000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 1 LATE PAYMENT Balance details 34 % paid off Balance {$29000.00} Balance updated XX/XX/XXXX Original balance {$44000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card
Product: Mortgage

I have tried working with flagstar bank to resolve several problems and they have yet to do so. First issue at hand is the incorrect last name they have. My loan was transfer to them and they did not correct my last name. I have sent them my marriage certificate, social security card, driver license, copy of a piece of mail and yet they have refused to update my last name. Legally making it impossible to sign any documents. When I contacted them about this issue they place me on hold and no wants to resolve it. I have sent them these request documents in email, mail and even uploaded it to them and yet each time I call the representative always say maam I apologize this was not the way to sent it please sent the information this way
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses, collections and inquiries that are fraudulent. I have mailed a number of letters and documentation with no response. 

The following collection accounts that are fraudulent and connected to addresses that do not belong to me include XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$510.00} ), XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

the inquiries are XXXX XXXX XXXX ( on the dates XXXX XXXX, XXXX, XXXX XXXX, XXXX, and 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, and XXXX/XXXX ( XXXX XXXX, XXXX XXXX
Product: Credit card

I closed my account in XX/XX/2023 with a credit balance of {$67.00}. was promised it would be refunded in 7 days. Just got a statement on XX/XX/2023 with the balance still being held by them. Called on XX/XX/2023, they again said they would refund the money in 7 days, still not received refund.
Product: Credit reporting or other personal consumer reports

The information listed below, which appears on my credit report, is the result of tra! cking. These fraudulent accounts consist of Auto loan account opened at XXXX XXXX XXXX XXXX on XXXX under account number ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX on XXXX under account number ( XXXX ) Personal loan XXXX XXXX on XXXX under the account number ( XXXX ) Personal loan XXXX  " XXXX opened on XXXX under the account number ( XXXX ) Personal loan XXXXXXXX XXXX XXXX under the account number ( XXXX ) opened on XXXX auto loan XXXX XXXX under the account number ( XXXX ) opened on XXXX
Product: Checking or savings account

Hi the account was closed out XX/XX/XXXX but now I field a dispute because I'm a XXXX XXXX order ca n't drive there and there saying I stop into the branch on XX/XX/XXXX to close it out in my own hands I ca n't drive so I want a answer and th branch manager retired XXXX XXXX and I'm trying to get a account open for my ssi payments there for government funds for direct deposit
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX  and XXXX XXXX has violated my rights under 15 USC 1681 section 602 states, " I have the right to privacy ''.

15USC 1681 section 604 A Section 2 states, " A consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : 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: Credit reporting, credit repair services, or other personal consumer reports

I am saddened that I can't not get this resolved. I recently disputed inquires on my credit report and you guys said they're authorized and they are most certainly not. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you delete these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX Also, I have accounts that remained on my report that are over 7 years. Please removed these accounts.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XX/XX/year>XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Dear Sir/Madam, I am writing to dispute any and all debts that you claim I owe to your agency. I am formally requesting that you provide validation of the debt in question, as well as the purchase agreement between your agency and the original creditor. 

Furthermore, I am revoking all rights for you to communicate with me via email, text, or phone calls. Please respect my request and refrain from contacting me through these means. 

Additionally, I am requesting that you furnish proof of being licensed and bonded to operate as a collection agency. It is important for me to verify your legitimacy before proceeding with any further communication. 

I would like to bring to your attention that you have failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet you have placed a collection on my consumer report. This is a violation of consumer laws and I demand that you rectify this immediately.

Furthermore, I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( D ), which is another violation of my consumer rights. Your agency 's use of false misleading, misrepresentation, and deceptive means is unacceptable and must cease. 

It is important to note that you have no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures as required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

I expect prompt action on your part to address these issues and provide the requested information. Failure to do so will result in further legal action to protect my consumer rights. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On the evening XX/XX/19, after making a cash deposit, and bringing my account at a positive balance, I reached to contacted Chase call center to see how could a NSF of {$34.00} charged on XX/XX/XXXX could be waived as a 1x courtesy. The Chase phone rep agent advised that they couldn't do anything and that i needed to wait until XX/XX/2019 to be eligible. However, the morning of Saturday XX/XX/19, I learned that an additional 3 nsf 's fees, {$34.00} a piece totaling {$100.00} was charged to my account and my cash deposit was conveniently pushed to XX/XX/19 which was the following Monday. This isnt the first time that  Chase has done this very questionable practice, but it is the first I'll be outspoken about it. If I understand correctly, deposits are posted first, followed by charges from largest to smallest. This isnt the first I've made deposit on this manner and no fees has been accessed. 
I work very hard. It is disheartening to see one hard earned money is been eating up by unfair bank practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

( Account name XXXX Account number XXXX ) This account was written off as a charge off but I never received a XXXX cancellation of debt form and because of this, this account is reporting inaccurate and has to be removed. 

I tried numerous times to get this removed from my credit report from XXXX, Trans Union and XXXX and have been unsuccessful.