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

I XXXX XXXX XXXX am a consumer of the United States. XXXX XXXX ( partial account # XXXX and partial account # XXXX ) is willfully and knowingly harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it impossible for me to purchase a home for me and my children. Attached to this complaint labeled as exhibit A is proof of two violations of XXXX XXXX  harming my consumer report along with late payments on the dates of XX/XX/2017 and XX/XX/2017. I have repeatedly requested these late payments to be reported positive on all my consumer reports but XXXX XXXX insists on violating my federally protected consumer rights under title XXXX chapter XXXX.
Product: Credit card

Ref. complaint number Your complaints XXXX I see this complaint has been closed, I did not close this complaint or get to see what the response was. Please re-open the complaint so I can read the company response. 
My internet has been down for XXXX weeks so was unable to respond earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reporting inaccurate information and fraudulent information/date on my credit report and provided proof many times to Experian to remove or update my credit report. The information is removed and days later it gets put back on my report. I have reported inaccuracies many times but the inaccurate information reappears on my report.
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 XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX ... I am XXXX years old ... .I HAVE NEVER LIVED IN XXXX , GEORGIA ... .I HAVE LIVED IN XXXX, GEORGIA my entire life ... .yet EQUIFAX has yet again added a XXXX XXXX apartment COLLECTION ON MY CREDIT REPORT THAT WAS ONCE REMOVED AND PROVEN TO BE FRAUD ... ..I HAVE NEVER ATTENDED IN SCHOOL IN ALL MY XXXX YEARS, YET EQUIFAX IS REPORTING STUDENT LOAN ACCOUNTS ON MY CREDIT REPORT THAT DEFINITELY DO NOT BELONG TO ME .... 

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Product: Credit reporting or other personal consumer reports

Letter to Remove Inaccurate Credit Information I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. These account are out of the statue of limitation which mean by law they need to come off my credit report : XXXX. The inquiry was not authorizeXXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 



Based on my reading I know by law inquiry are only allow to stay on your credit report for 2 years from the day the inquiry was pulled. Which means that all the above accounts need to be removed. I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back to me within 30 days. 



I am also requesting that you send me an updated credit report once your investigation is complete you can send the copy to XXXX XXXX XXXX XXXX, South Carolina XXXX Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I found that XXXX XXXX XXXX is inaccurately reporting to my credit report I have not done any business with XXXX. Nor have I signed a legal contract with XXXX. These student loans are causing me hardship and I am unable to get the funding I need to close on my home. Experian has failed to investigate and furnish the requested contract that proves this debt belong to me. I am asking to delete this account immediately form my credit report. This ia aggrivated Identity theft.
Product: Credit card or prepaid card

Capital One dismissed my dispute, citing XXXX 's requirement that a second opinion ( for an unused, non-operative pushmower ) be provided. 

XXXX 's Return Policy has no such requirement. 

" Outdoor Power Equipment Mowers, chainsaws, generators, pressure washers, trimmers, blowers, etc. must be returned within 30 days of receiving the product and must be unused and in original, unopened, undamaged, factory-sealed packaging. '' XXXX XXXX XXXX  [ REFERENCE prior CFPB Complaint ID XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to post inaccurate information on my credit report with XXXX, Equifax and XXXX.There own data they are reporting to XXXX, Equifax XXXX and XXXX, is in inaccurate and no agencies will not let me dispute this although it is a separate and new dispute that is potentially damaging my credit scorereview the attached document screenshot, it clearly shows XXXX XXXX XXXX states this collection was opened in XX/XX/2018 and their reporting shows they didnt start reporting ( late ) not until XX/XX/2018! 6 months late! There is no reporting from XX/XX/2018 although they are listing the open date as XX/XX/2018 and they inaccurately and maliciously reported the collection history six months Late and have done for years! This has and continues to damage my credit score each day!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian  and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Experian and XXXX credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( XXXX  ), 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 creditor XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/2015 Balance {$0.00}
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XX/XX/year> ) Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : brigit/coastal communi
Product: Credit card or prepaid card

Below is my latest correspondence to the company which includes needed details. 
I am reaching out to you with hopes to resolve this matter ASAP as Ive been dealing with it for 4 months already which is hindering me from purchasing my home. 
I had a 1 year promotional account with you all and I paid it off on time in XX/XX/2020. In XXXX I noticed you all update my credit stating that I had a late payment of {$7.00}. I called and spoke to a rep who removed it and ensured me that my late payment would be removed from my credit report. After 30 days it was still reporting, I filed a dispute with the credit bureaus who received confirmation for you all that the late payment was correct. 30 days later I filed ANOTHER dispute and you all said that the payment wasnt in XXXX it was actually in XXXX! I then reach out to you again on XX/XX/XXXX to figure out whats going on because at this point its fraudulent activity to continue falsifying information. Your supervisor notifies me that she will push an update to the bureaus that the payment is incorrect but this has not occurred. I called last week and again today to no avail and even found out that you have decided to close my account which is retaliation from me actively holding your company accountable. As stated above, I need this resolved ASAP because it is hindering my ability to purchase a house.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the repeated unsuccessful attempts to correct the late open accounts listed on my credit file. Despite multiple communications and assurances from your company, the inaccuracies persist, adversely affecting my creditworthiness and financial standing. 

The presence of late open accounts on my credit report is highly detrimental, as it inaccurately portrays my financial history and poses significant obstacles to accessing credit and financial opportunities. Despite my diligent efforts to rectify these inaccuracies, the problem persists, causing undue stress and frustration. 

I have made numerous attempts to contact your company to address this issue, providing all necessary documentation and information to support the correction of these inaccuracies. However, the lack of progress in resolving this matter is deeply concerning and reflects poorly on your company 's commitment to customer satisfaction and integrity. 

I demand immediate action to correct the late open accounts on my credit file and ensure that my credit report accurately reflects my financial history. Additionally, I request compensation for the damage caused to my creditworthiness and the inconvenience and stress I have endured as a result of this ongoing issue. 

I expect a prompt response detailing the steps you will take to rectify this matter, along with a timeline for resolution. Furthermore, I request regular updates on the progress made towards correcting these inaccuracies and restoring my credit file to its accurate state. 

Failure to address this issue promptly will leave me with no choice but to escalate this matter further and seek assistance from regulatory authorities. I trust that you will prioritize this issue and take the necessary steps to resolve it expeditiously. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to appeal Citibanks research results on a dispute I filed ( XXXX ) in XX/XX/XXXX regarding a promotion ( XXXX ) bonus of {$500.00} for opening my checking 's account. I have still not received this bonus after meeting all terms and conditions of the promotion. 

I applied to open a Citibank Checking account over the phone on XX/XX/XXXX. However, my application was not immediately approved. 

On XX/XX/XXXX, Citibank sent me an email ( attached ) saying " we need more information to complete the processing of your application ''. Following the instruction I sent a copy of my Social Security Card by mail to Citibank. 

Then on XX/XX/XXXX, Citibank sent me another email ( also attached ) to notify me that my checking account is finally open. On XX/XX/XXXX I made a deposit of {$15000.00} to meet the requirement of promotion XXXX. 

Hence, it is clear that Citibank 's statement in their letter to me ( also attached ) that " your account does not qualify for this promotion because the required deposit was not made within the stated timeframe [ 30 days ] '' is false. 

I have made several phone calls to Citibank 's customer service since XX/XX/XXXX and submitted the attached documents by mail and fax. All the agents I spoke with supported my view that I should have received the promotion bonus, yet the bank 's back office did not look into the facts I provided when denying my dispute.
Product: Credit reporting or other personal consumer reports

I have advised these companies that these accounts were opened fraudulently. I am a victim of identity theft, and I didnt open these account. I didnt give anyone permission to open these accounts using my information. I am requesting that the account be closed & removed from my credit report. Please investigate this matter and correct the fraudulent account as soon as possible. In addition, pursuant to FACTA, as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the account listed below, which remains on my credit report despite my request for investigation. I am requesting an immediate reinvestigation of this account under the FCRA ( Public Law XXXX, XXXX VI, Section XXXX, Subsection XXXX ). The continued reporting of this account with inaccuracies is causing severe harm to my credit score. 

As part of this reinvestigation, please provide me with the names, addresses, and contact details of each individual or entity you used to verify and validate this account, so that I may follow up accordingly. Additionally, I request an updated copy of my credit report once the investigation is complete. 

- **Account Name : XXXX XXXX XXXX  - **Account Number : XXXX Please ensure you comply with Section XXXX of the FCRA, which mandates that inaccurate or unverifiable information must be removed from the consumers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX A Original Creditor Name : Comenity Bank I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.
Product: Consumer Loan

I paid off my Chrysler Capital lease so I could keep the vehicle when lease expired. After almost 2 solid months, this corrupt outfit has refused to provide any final accounting of my account, or refund a substantial overpayment due me, send me title to the vehicle, or in any way acknowledge payoff of this lease! This is THE most corrupt and incompetent firms providing finance for any of the major auto brands, with a huge number of consumer complaints, and NEEDS TO BE INVESTIGATED AND FINED! The company is not even a Chrysler subsidiary, it is instead owned by Santander bank group and simply licenses the Chrysler name, further defrauding customers who think they 're dealing with Chrysler when they are not.
Product: Credit reporting or other personal consumer reports

I had a credit card with Capital One prior to the pandemic shutdown. In XXXX XXXX  XXXX I was rushed into XXXX XXXX and spent the rest of the year healing combined with the fact I lost my job like millions of others due to the pandemic. I was behind on payments until XX/XX/XXXX when I paid off the balance completely via the mobile app I used to have for Capital One. It's now XXXX and the balance is still being reported as unpaid on my credit report and it has apparently been given over to collections illegally due to the balance already having been paid. This is severely affecting my ability to get other credit, cars or housing. I understand that this may be a system oversight so I am asking that Capital One update the balance to reflect as paid since XX/XX/XXXX. 

Thank you.
Product: Student loan

I was requesting a reimbursement for payments made during forbearance on my direct loans. I consolidated and made the request through XXXX, my loan were then teansfered back to mohela, which is where they originated and payments were made. On XX/XX/XXXX I called mohela and requested reimbursement, they informed me I was eligible and put the request in. I followed up half a dozen times. They kept telling me that it was sent to the dept. of treasury and I could expect my refund. I recieved forgiveness is XX/XX/XXXX so I called again to make sure that my forgiveness wasn't going to change my refund and I was informed it wouldn't. I called again this past Tuesday XX/XX/XXXX and I spoke to someone who told me that for some reason there was a stop on my request. She said that she could see I was eligible to have XXXX payments refunded and she called a supervisor. She concluded the conversation by stating that she was going to send the refund back through with priority after having the supervisor approve it. She told me to call back in XXXX week. I called back on XX/XX/XXXX and the person I spoke to said that I wasn't eligible for refund because my payments were made before consolidation. I have been getting different stories and no answers for a long time. It was made clear to me many times that I would receive a refund. My loans were direct loans at the time payment was made and it was made to mohela.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I attempted to schedule a wire transfer through the online banking portal in the amount of {$73000.00}. I received a voicemail from an XXXX to call back to verify any information, i disregarded the voicemail. I ended up calling Chase bank through my 800 # on the back of my debit card. I was transferred to the money movedement department to answer some questions to authorize the wire transfer. I provided the answers backed to the rep and they said my transfer would go out tomorrow. The following day XX/XX/year> around XXXX, i spoke to another rep from XXXX XXXX verified my identity and was asked to answer more questions. I responded to the rep and was told the 2nd review would review and my wire would go out the following day and that if i have any issues, i can call XXXX department back to assist with setting up another hour. An hour later, i saw that my wire transfer request was rejected. I called back, had to through a more extensive identity verificaiton process, thereafter for the rep to tell me they could not assist me in setting up a wire transfer. I requested escalation and asked to file a complaint internally which was ignore as the first rep and escalacation supervisor ignored my request. I expressed my frustration and articulated my answers from the security questions and was informed by the escalation rep that response was not documented correctly. I was asked to go through the online banking portal to re-initiate a wire transfer and that they have documented my responses and that the wire would go out tomorrow XX/XX/year>. This morning, i received an email from Chase that that wire transfer was rejected.