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

I have sent in several letters to transunion, equifax, experian and collection accounts. On these dates XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I sent letters regarding inaccurate, unknown and not the same information reporting across the credit bureaus on my credit report and there has been no changes. Bankruptcy docket #, the courthouse states that they do not furnish, provide, report, or verify bankruptcies with the Credit reporting agencies, vendors and third-parties. This information is public records. So it needs to be removed immediately. This is willful negligence on their behalf and a violation of the FCRA. As a result it is affecting my credit score and causing damage to my reputation. They keep sending from one person to another. I have been dealing with this for a year now and the accounts are XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. I demand that these accounts be promptly deleted.
Product: Credit card or prepaid card

On XX/XX/2022 Citi Bank XXXX XXXX XXXX XXXX XXXX SD XXXX deducted {$14000.00} from my account to cover bal Tranfer check XXXX made out to XXXX XXXX but then stated the offer expired and interest was at standard APR so I paid {$14000.00} in full XX/XX/2022 to avoid interest. I received new checks valid for bal transfer so I wrote out check XXXX on XX/XX/2022 in the amount of {$14000.00} at zero % interest depositing to my own bank to cover payment I made XX/XX/2022 to Citi Bank in the same amount of {$14000.00} at this point I was notified by XXXX XXXX first check XXXX made out to them was rejected and returned, I called Citi Bank to find out why check XXXX was rejected and was informed check needed to be deposited in my own bank so it was rejected, I then asked why was the funds not still in my bank giving my a {$14000.00} surplus on XX/XX/2022 when payment was made by me and at this point they will not give a straight answer and continue to refuse to return funds for rejected check XXXX in the amount of {$14000.00} back to my account. I have called City Bank several times a week for over a month and every time they tell me to wait or money will be returned in 7 days or just hang up but as of today account still shows balance due in the amount of {$14000.00} plus bal transfer fee of {$720.00}. As soon as Citi Bank rejected honoring check XXXX in the amount of {$14000.00} on XX/XX/2022 and received my payment in the amount of {$14000.00} on XX/XX/2022 account would have surplus in the amount of {$14000.00} so check XXXX in the amount of {$14000.00} on XX/XX/2022 would have been refunding my own money leaving account at zero balance. Citi Bank refuses to correct their error..
Product: Debt collection

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNKNOWN 15 U.S.C , 1681section 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 an 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 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

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

Also Known As : XXXX LA, XXXX Also Known As : XXXXXXXX XXXX Also Known As : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an FTC report # XXXX Experian violated my rights as a federally protected consumer and furnished my privact information on XX/XX/2022 to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX also on XXXX XXXX ) under 18 USC 1028a Aggravated identity theft and 5 USC 552a ( e ) ( 3 ) -Consumer Privacy Act.

Included are my proof of identification and a bill-this should apply to any and all communications regarding this complaint.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unverifiable Accounts Dear Credit Reporting Department, I am writing to formally request the removal of an accounts from my credit report as reported by [ Experian ] This request is based on the recent deletion of an accounts by XXXX, one of the four major credit reporting agencies. 
I recently disputed a charge-os for ( XXXX XXXX XXXX XXXX account : ... XXXX, XXXX account : ... XXXX, XXXX XXXXXXXX account : XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. account : ... XXXX ) The companies listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of ( XX/XX/year> ) According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right. to ensure that my credit report remains fair, accurate, and free of unverifiable information. 

Since XXXX has deemed this account unverifiable and removed it, you must take similar action. Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. 

With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. Thank you for your immediate attention to this request.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding the reporting of information on my credit file. As per the arbitration agreement outlined in your terms and conditions, I am formally initiating the arbitration process. 

It has come to my attention that the tradeline from XXXX XXXXXXXX XXXX, with the account number XXXX, has been inaccurately reported on my credit file. Despite my numerous attempts to resolve this matter through traditional dispute channels, it remains unresolved. 

This tradeline has caused me distress and I am now requisition civil liability if I can't get a deletion! Below I have attached a letter to Experian trying to resolve this matter but it is unresolved! certified mail Tracking number USPS XXXX # : XXXX I am requesting {$5000.00} and a deletion of the tradeline above!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact all three major credit bureaus, including XXXX, XXXX, and Equifax, in order to address errors on my credit report and improve my credit score. Despite these efforts, I have not received a satisfactory response from the bureaus within the required 30-day timeframe, and this failure to respond has had a negative impact on my credit and financial situation. As a frustrated consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure that my rights are protected and that the credit bureaus are held accountable for their lack of response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Account Number # XXXX I am writing to formally dispute the above-referenced account in my credit report, which has been reported as Verified. I firmly believe that the account is inaccurate and requires immediate investigation and deletion, if necessary, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have requested that the send me of they were able to verify that this account belongs to me, and how it was accurate. The bureaus XXXX, XXXX, and Experian have yet to deliver the information that I requested. 


As per the FCRA, 15 U.S.C. 1681i, the credit reporting agencies have the obligation to conduct a reasonable investigation into the disputed information within 30 days of receiving the dispute. Additionally, under the FDCPA, 15 U.S.C. 1692g, I have the right to request validation of the debt, which should include verification of the original creditor, the amount owed, and the date the debt was incurred. 

This debt is not mine and I have no contract with this company, and they have not provided any proof.
Product: Debt collection

I have a letter from XX/XX/XXXX from a debt company called afni written to settle for {$79.00} for a debt they assumed is {$120.00} from XXXX. 

I called XXXX several times and even made an appointment to a local store to discuss the debt. No one from XXXX has been able to justify that debt for me after 3 months of calling and asking. 

From my record, I have paid my monthly dues to XXXX and when I stopped using XXXX as my utility company in XXXX, they issued a refund to me via check. And now 3 years later they sent my account to collection. 

I have tried to apply for a loan recently and that XXXX case has brought my credit score down and unable me to get my loan approved. I usually pay my bills on time and never miss one but this is affecting me a lot.
Product: Debt collection

15 usc 1692XXXX ( c ) which states : If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for ar purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX when I became a victim of identity theft and sin fraud. Since then I have been fighting with several creditors reporting agencies and the government to remove the fraudulent accounts and nothing gets done. I am tired of fighting. I just want to have this done and removed so I can finally live my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX  an Identity Theft affidavit for the American Honda Finance reporting on my credit file. The balance on the account is {$6800.00} I have sent American Honda Finance and also XXXX  a copy of my Identity theft affidavit back in 2020. They were suppose to block the account and they failed me as a consumer, Also according to 15 USC 1681 ( d ) Investigative consumer report. XXXX  AND HONDA FINANCIAL FAILED ME AS A CONSUMER AND STATED EVERYTHING WAS VERIFIED when either of them failed to do their full job according to what congress states in 15 USC 1681 ( D ) I AM DEMANDING AMERICAN HONDA FINANCE BE REMOVED FROM MY REPORT.
Product: Vehicle loan or lease

On XXXX XXXX XXXX CIG wrongfully had someone to repossess my vehicle. I do not have any contract agreement with CIG and they are not the note owner of the vehicle they are simply a servicer, As the owner of the account, as defined by 12 CFR 1002.2, I am a federally protected consumer, and it is my right to receive accurate and transparent information about the transactions and credits associated with this account. I have filed two previous complaints requesting validation of the account and have yet to receive any concrete resolution. 

A request for the following was made : FULL ORIGINAL and/or UNALTERED documentation specifying credits, tax liabilities, discharge of debt, bonds, and/or securities as they are applicable to this account. 
Compliance with 12 CFR 1026.13, which requires correcting the billing error and crediting the consumer 's account with any disputed amount and related finance or other charges, as applicable.
Product: Credit reporting or other personal consumer reports

Please remove all inquiries off of XXXX & XXXX. 

It is illegal to report transaction history to consumer report.15 U.S. Code 1681b - Permissible purposes of consumer reports.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ''
Product: Credit reporting or other personal consumer reports

Two account Appearing on my credit report I disputed the accounts under FTC Guidelines and Requested the information to be removed from my credit report I was told by Experian that the creditor verified the account with proof that the accounts our mine so I requested the information from Both parties and they told me that they dont have to provide me with any documentation from the Investigation. But under FTC 605B ( 15 U.S.C. & 1681 C 2- which states that these accounts must be removed within 4 business Days of receipt.of FTC report both companies deliberately Disregard it the Law
Product: Credit reporting or other personal consumer reports

Equifax has illegally blocked all my credit monitoring services with out my permission I can not get real time updates or alerts if someone is trying to use my information federal law states unless I request a credit alerts non shall be added I already froze my report
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX AUTO LEASE ACCT # XXXX XXXX XXXX XXXX is knowingly reporting my auto lease 30 days late to XXXX, XXXX and TransUnion for the month of XX/XX/XXXX. My lease payment was due on XX/XX/XXXX of {$240.00}. I made a successful payment on XX/XX/XXXX for {$240.00}. However, XXXX system in error applied that payment to the end of the lease in XXXX, I contacted XXXX, they acknowledged the error, but were indifferent to the 30 days late they wrongly reported and refused to update the error until the next billing cycle, In the meantime, this error dropped my credit score 40 pts. I was intending to lease another XXXX through XXXX XXXX, but now unable to do so until the 30 days late is corrected. 
I have spent hours of my own time calling and talking to numerous XXXX representatives, even receiving 2 phone calls on XX/XX/XXXX & XX/XX/XXXX, from agents who identified themselves as XXXX XXXX employees that work in the Office of the President, XXXX XXXX. They both assured this issue would be resolved, but a week later nothing has changed online or with XXXX, XXXX or TransUnion. 
Additionally, XXXX XXXX 's website will not allow me to make my XX/XX/XXXX payment. The payment platform gives me one option top pay {$960.00} ( which I do not owe ) XXXX XXXX is aware of this and has said once that option is corrected they will back date my payment for XX/XX/XXXX. We will see ... 
My attorney advised me to apply anyways and if XXXX XXXX   refuses me, file a lawsuit for damages. I think I will follow his advice.
Product: Credit reporting or other personal consumer reports

I previously had a mortgage in good standing for years. Then I applied for a loan payment forbearance then a loan modification which was eventually approved. I was advised by the mortgage lender during this four months process that everything was okay with my credit it I was lied to. Despite being in constant communication with my mortgage lender during this period and being approved for a loan modification, they were reporting four months of late payments which has never been corrected. During the last few weeks of this four months process I received an inheritance and paid my loan off in full yet flagstar bank has never corrected my credit report. These incorrect late payments on my credit report has affected my XXXX credit score tremendously negatively. I even reached out to them in writing again about this past week and was denied. 

Please correct my credit report by removing all late payments from XXXX XXXX as soon as possible please.
Product: Debt collection

On the dates of XXXX, I have recieved XXXX calls from Barclay 's . Also, I believe that the calls have been made in retaliation regarding my previous complaint : XXXX filled on XX/XX/year> at XXXX XXXX  concering calling during a prohibited time ( after XXXX XXXX  XXXX. ) After filing my complaint, I have recieved XXXX additional calls from Barclay 's, and this leads me to believe the subsequent calls are retailiatory in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account XXXX has violated my rights.

15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$92.00} Highest Balance {$92.00} Opened XX/XX/2020 ( 2 yrs, 1 mo ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX Closed No Info
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft XXXX XXXX XXXX XX/XX/2013 amount XXXX
Product: Mortgage

I am the homeowner who has been mistreated and misguided by my mortgage servicing company Wells Fargo. I previously submitted a formal complaint to CFPB and as the result of that and my legal motion in my foreclosure state ( NY ) supreme court, Wells Fargo agreed to review me again for a new loan modification application. I have had several false starts where Wells Fargo internally would start the process and before I even replied with the full set documents denied me twice. I believe that Wells Fargo has been acting with willful and international deceit and bad faith and I have been discriminated and prejudiced based on my nationality, my gender, and my economic status. Last year Wells Fargo decided to hide behind NPV decision, which they left unexplained to me. This year, while my financial income and expenses stayed the same, Wells Fargo decided to calculate my income at 40 % of the proven submitted and supported income, based on mine calculations. I have appealed the decision and Wells Fargo refused to explain their decision. Such blatant misconduct and lack of clear guidance from the mortgage servicer again highlights the mounting problems and that financial institution. Wells Fargo designed the process to misguide and mislead me and other related
Product: Student loan

I am a navient student loan customer and currently the online access portal denies me access to my student loans. I am not late and everything is current and there is no co-signor on the loan. I called on XXXX/XXXX/XXXX and spoke with their customer service to inquire about the difficulty in obtaining access to my account to process a payment. The customer service Supervisor mentioned that I could not access my account information online due to a litigation matter regarding a cease and desist letter that I submitted in XXXX. I had asked them why now do I have been denied access since the years XXXX I had successfully processed my payments online. After an hour of trying to resolve this matter, I was left with the customer supervisor by the name of XXXX, that they would process a payment over the phone without incurring a fee. I went ahead and accomplished my payment through their customer service. My confirmation number is XXXX in the amount of {$270.00}. Further escalation led me to speak with another employee and she had mentioned that they were upgrading their website and that I should check back within the month to see if I am able to process and access my student loan information online. I would like to inform the CFPB as I am not sure how this issue will be resolved. In order to hedge against further demise of this issue, i am documenting and reporting this complaint now in the hopes that Navient may provide me a solution that either addresses the cease and desist or the upgrade to their website. I am not sure which problem is causing this issue. This is the first time that I had to deal with this situation. 

We 're sorry. Because of your current account status, we 're unable to process your request online. Please call us so we can assist you.
Product: Credit card

Complaint against Barclays bank for illegal behavior regarding a filed dispute. 
Company has a dispute team located in XXXX whose service is unprofessional and violates my consumer rights here. 
Dispute is with XXXX XXXX XXXX XXXX ( XXXX XXXX ) a CA based company. 
Purchased a leather sofa using a Barclays credit card. Item was delivered damaged. 
Contacted company who refused to replace the defective item Contacted Barclays credit card company- filed a dispute for a charge back. 
Barclays illegally denied the dispute -displayed unfair consumer treatment and violation of the Fair Credit Billing Act.

Requested re-opening of dispute but bank refuses to act in contravention to the Act.