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

TRANSUNION 1. Account # XXXX XXXX I received a COPY OF MY CREDIT REPORT. To my surprise you are reporting my account incorrectly. 
This collection account is reporting not only as OPEN but also shows past due balance of {$190.00}. According to FCRA I have the right to an accurate credit report. Please remove this account immediately from my credit report. 

2. Account Name : XXXX XXXX XXXX, I Account # XXXX I received a COPY OF MY CREDIT REPORT. To my surprise you are reporting my account incorrectly. 
This collection account is reporting not only as OPEN but also shows past due balance of {$13000.00}. 
According to FCRA I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide a copy of my new credit report reflecting the account removed upon completion. 

3. XXXX XXXX XXXX ACCOUNT # XXXX XXXX I received a COPY OF MY CREDIT REPORT. To my surprise you are reporting my account incorrectly. 
This collection account is reporting not only as OPEN but also shows past due balance of {$13000.00}. 
According to FCRA I have the right to an accurate credit report. Please remove this account immediately from my credit report. 
Please provide a copy of my new credit report reflecting the account removed upon completion. 


4Account Name : XXXX XXXX Account # XXXX I received a COPY OF MY CREDIT REPORT. To my surprise you are reporting my account incorrectly. 
This collection account is reporting not only as OPEN but also shows past due balance of {$2000.00}. 
According to FCRA I have the right to an accurate credit report. Please remove this account immediately from my credit report. 
Please provide a copy of my new credit report reflecting the account removed upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card or prepaid card

Dear CFPB staff : I paid the statement balance {$2600.00} on XX/XX/XXXX to my Citibank XXXX XXXX XXXX XXXX account. However, I received an email from Citicards that reduces my payment to {$210.00} on XX/XX/XXXX. My bank account shows that both charges of {$2600.00} and {$210.00} were post on XX/XX/XXXX. I called Citicard and asked why you reduce my payment without my authorization. They agree to refund {$210.00} to my bank account. 

I ask the Citicard customer service to stop this illegal practice to reduce customer payment and charge high interest for outstanding balance without customer permission. 

I report to CFPB to investigate how many customers are victiums of this illegal practice. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Product: Vehicle loan or lease

Harley Davidson Financial is at the point of harassing me with multiple phone calls everyday due to a loan payment being late. I do pay my payment every month but they call 3-5 times per day including Sundays if I am late 1 day. This has become very stressful and would appreciate some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED INFO EQUIFAX HAS ON REPORT. SPECIFICALLY " PAID CHARGE OFF '' STATUS. THE DISPUTE WAS ANSWERED WITH " ACCOUNT CLOSED '' XXXX BAL. THEY SAID THAT ANSWERED MY DISPUTE OFF " PAID CHARGE OFF '' CLOSED IT AS UPDATED BY CREDITOR. THE " CURRENT ACCOUNT STATUS STILL SHOWS " CHARGE OFF '' WHEN I SAID SINCE THAT ANSWER THEY PROVIDED CLEARED MY DISPUTE AS TO WHY STATUS IS CHARGE OFF AND NOT " PAID CHARGE OFF '' THEY SAY THEY DIDNT SAY THAT. SO THEY CANT CHANGE IT. I SAID SO HOW WAS MY DISPUTE ANSWERED AND CLOSED. THEY TRIED TO TELL ME THAT THAT MEANS WHAT I WAS DISPUTING " XXXX BAL / ACCT CLOSED '' WHICH IT DOES NOT .... I ASKED HOW CAN IT ANSWER IT YET YOU CANT CHANGE IT BECAUSE ITS NOT SPECIFIC ... .AND TOLD TO CAL XXXX XXXX TO HAVE THEM FIX IT. 

SEVERAL TIMES DISPUTED... SAME RESULT AND IVE BEEN HUNG UP ON 3X IN A ROW WHEN THIS IS POINTED OUT.

DISPUTE SPECIFICALLY STATES " PAID CHARGE OFF " S/B IN " CURRENT ACCOUNT STATUS ''. 

WHEN YOU LOOK AT REPORT FROM EQUIFAX ... NOWHERE DOES IT INDICATE PAID CHARGE OFF... XXXX BALANCE. STILL STATUS AS AN OPEN CHARGE OFF AND CLOSED ACCOUNT. WHEN ITS A CHARGE ... ISNT THAT HOW IT SHOWS. 

CLOSED CHARGE OFF BAL = XXXX ( CHARGE OFF ) AMOUNT OFF CHARGE OFF EQUIFAX HAS CLOSED NOT ANSWERED DISPUTES ... GIVEN CREDITORS MORE THAN 30 DAYS ... AND I AM TOLD CALL CREDITOR AFTER 30 DAYS WHEN NO RESPONSE FROM THEM ... THEY CLOSE DISPUTE ... SAY " UPDATED BY CREDITOR '' NOTHING DONE BUT A DATE OR A STATUS CHGD. 

LAST PAYMENT IN XXXX. PAID AS AGREED W XXXX XXXX XXXX EQUIFAX WILL NOT CORRECT STATUS THEY TELL ME " THEY SEND DIFF REPORT TO THOSE REQUESTING IT '' THAT ONE SHOWS IT '' ASK FOR SUPERVISOR ... GET PUT ON HOLD THEN HUNG UP ON. 3X IN A ROW ON SAT XX/XX/XXXX. 

PLEASE HELP THEY DO EVERYTHING BUT WHAT THEY SHOULD EVEN IN THE LIGHT OF BEING WRONG. 

CANT BELIEVE THEY TRIED TO TELL ME MY LAST DISPUTE OF " PAID CHARGE OFF '' S/B STATUS WAS ANSWERED CORRECTLY WITH XXXX BAL / ACCT CLOSED BY XXXX XXXX ... THEN WOULDNT HONOR DECISION OF ANSWERED. IT IS PAID CHARGE OFF AND TOLD ME TO CALL XXXX XXXX 

MANY OTHERS WITH ... DO YOU WANT THOSE TOO
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I FOUND NUMEROUS INQUIRIES FROM CREDITORS WHO I DID NOT GIVE MYPERMISSION TO PULL MY CREDIT REPORT. THESE INQUIRIES ARE FRAUDULENT. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report, Its been well over 30 days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

According to Experian 's response to complaint XXXX the following items were removed in XXXX. My most recent credit report shows that the following account and unauthorized inquiries are still reporting. Please remove the following items from my credit report : Inquiries:XXXX XXXX XXXX XX/XX/2023 EXPERIAN , XXXX XXXX XXXX XX/XX/2023 EXPERIAN , XXXX XXXX XXXX XX/XX/2023 , XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023 EXPERIAN, XXXX XXXX XXXXXX/XX/2023 EXPERIAN, XXXX XXXX XXXX  XX/XX/2023 EXPERIAN, XXXX XXXX XXXX XX/XX/2023 EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

this message is for plaza servies llc about the account they have on file. i cant submit feedback to the closed complaint but i read your cfpb response. yes i noted the date the fraud occurredon XXXX of this year, but the reason is because i cantremember so i put something down and i also reported it to the police that it occurredin XXXX of this year. i have XXXX XXXX XXXX XXXX due to my XXXX. whetheryou want to believe it or not is up to you. i cant get a copy of the police report just yet because they informed me that it will take a few days. i promise you i am not making this stuff up. i have XXXX XXXX and XXXX XXXX  to where i get brain fog so dont start with me on this ok? thanks. i am not making anything up. when i get a copy of the police report ill send you a copy via email. i have severe XXXX and XXXX XXXX XXXX i cant even remember what i did yesterday. so dont start ok? thanks
Product: Debt collection

Today ( XX/XX/2017 ), I received a letter from knight adjustment bureau. They claim to have an account for me from XXXX XXXX. They also claim that I owe {$1200.00}. I do not currently have, nor have I ever dealt with XXXX XXXX.
Product: Debt collection

THIS COMPANY HAS A COLLCETION ON MY CREDIT REPORT THAT I DONT KNW ABOUT OR OWE I DONT HAVE CONTRACT WITH THEM
Product: Mortgage

I have been looking to remove my XXXX XXXX  XXXX ( XXXX  ) for what will be roughly XXXX months now. I contacted my lender, ServiceMac, in the middle of XXXX, XXXX to seek guidance on how to remove the PMI on my home. Due to rapidly rising house prices across the nation as a result of lower interest rates and short supply on the housing market, our homes value is now below the 78 % loan to value threshold. I am aware of this because : 1. ) We live in a tract home neighborhood in which homes have the same housing plan and dimensions 2. ) A home was sold down the street for an exceptionally high value, with less amenities and square footage than our home has to offer. 

We originally purchased our home in XXXX, XXXX for XXXX dollars, and the estimate on the home value now is between XXXX - XXXX dollars, which clearly pushes it past the XXXX ratio that ServiceMac requires in order to remove the PMI. 

ServiceMac has claimed to have sent out an appraisal in the form of a Brokers XXXX XXXX on XX/XX/XXXX. I waited a few weeks and called ServiceMac to let them know that I had not heard anything. A customer service representative told me to wait a few more days, and that I would receive more answers. So I did exactly that. I called between XXXX and XXXX times during XXXX and XXXX to try and figure out why this process was not moving forward, and they claimed they sent out this information to the broker, but they had not heard back yet. I asked them which broker was contacted, and they could not give me the brokers name. I did not challenge this, as I thought it could have led to a conflict of interest, I assumed. 

I waited until XX/XX/XXXX to finally call again and speak with a representative to figure out why I had not received a reassessment of my home. They explained that they would be receiving the reassessment of the home on XX/XX/XXXX from the broker, and that I should be expecting someone to come to my home for an evaluation. It is now XX/XX/XXXX, and no one has come to my home for an evaluation and I have not been contacted by ServiceMac. I called ServiceMac yet again for an answer. They did not have any and said they could only reach out to their PMI Department via email ( They apparently do not take phone calls ). This was now my second time speaking with the XXXX named XXXX. She gave me the same answer that she had done all she could to move this process along. The fact of the matter is, the process had not been moved along whatsoever. 

ServiceMac has failed to honor their commitment of removing PMI once the home reaches the XXXX threshold, and they have breached their fiduciary duty of operating as an honest lender. ServiceMac has been negligent in handling this situation, despite me calling them between XXXX and XXXX times from XXXX until now. It has been stated that the Dodd-Frank Act granted authority to the Consumer Financial Protection Bureau to supervise and enforce compliance of the Homeowners Protection Act. I am now asking for the CFPB to follow through on this statement and protect me, the homeowner, from the predatory lending practices ServiceMac has performed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported a hard inquiry on my XXXX report. Someone may be using my info to open a credit card. Will you look into it for me? It may be Sears. Thank you. XXXX! XXXX XXXX XXXX XXXX
Product: Debt collection

I appreciate the efforts you have made so far, but it is imperative that the investigation is executed fairly to ensure the removal of all fraud-related entries on my credit report. 
As you are aware, several accounts were reported as fraudulent, and while I acknowledge the successful deletion of some of these entries, it is perplexing and disconcerting that others still persist. I find it difficult to comprehend how, despite the previous deletions and escalations of fraud accounts, another fraudulent entry has been allowed to exist on my credit report. I demand an explanation for this oversight and insist that corrective action is taken without delay. 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 
I urge you to remove the remaining fraudulent accounts promptly to rectify the unwarranted damage inflicted upon my credit history. It is your responsibility to ensure that my credit report is an accurate representation of my financial standing. Any delay in resolving this matter will only result in further harm to my credit score and financial standing.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX account XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with XXXX, it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in 15 U.S.C. 1681i and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, Experian has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that XXXX has already acknowledged and corrected this error, I expect XXXX to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints. 
Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the General Debt Cancellation from the IRS. 
Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.
Product: Credit reporting or other personal consumer reports

I dont have any credit because I came recently to the country so I am trying to build my credit but I didnt have any idea how to improve my credit of building so I started to learning about it and then I realize that I can check my credit report but when I saw it, I had like 33 inquiries and I dont recognize most of them and I dont really know what happened. I think that someone is using my Social Security to apply to different credit cards but as I dont have any credit history, they couldnt be approved and now that I want to apply to some credit cards they couldnt be approved because I have too many inquiries I already locked my credit file because I dont know if that person is gon na be able to continue requesting credit card so were trying to open accounts under my name. I just recognize the one from my car when I did when I came with XXXX XXXX XXXXXXXX and 2 secure credit card I have.
Product: Bank account or service

Hello, After opening up a Citigold account for the promotional offer of XXXX AA miles, I visited a local branch to verify that by using the promotional code given to me and meeting the account requirements, I would be awarded the XXXX bonus miles. I am well past the 60 day requirement to issue my bonus, and I have confirmation documentation via Citi online chat that confirms I opened the bank account with the promotional offer in a valid fashion and that I have met the requirements, therefore I would be rewarded the points by late XXXX. Since that period I have requested the miles three times, being told that I would receive the miles within two business days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX1XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/year> Equifax Information Services , LLC , XXXX XXXX XXXX, XXXX XXXX GA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, EQUIFAX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XX/XX/year>2025 XXXX XXXX XX/XX/year>2025 Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Prepaid card

I have had my benefits go XXXX a XXXX XXXX card since XXXX  And my son when moved in with me had a XXXX XXXX card.there has been a lot of money taking from use. In the years. I have dispute all of them and the comerica bank she it's was that we did it. Me and my son are XXXX. We have had XXXX id stone. They said I needed to contact the person to see to get are money back we never did. My name is XXXX XXXX and sons name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My phone number is XXXX. Please look at this for us XXXX bless
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently view my credit report and i can see a unauthorized made by XXXX XXXX XXXX on XX/XX/2023 I Recently view my credit report and i can see a unauthorized inquiry made by XXXXXXXX XXXX XXXXXXXX on XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I have 2 Aspire Credit cards. One ending XXXX with a {$500.00} credit limit. Annual fee of {$79.00} in XXXX and {$10.00} a month maintenance fee that just started XXXX or 5 months ago. I contacted them through chat because its the only option to contact them. Through chat they said I have to call customer service at XXXX, that phone number doesnt work. I keep getting a message from XXXX XXXX XXXX the call can not be completed at this time. Ive been calling everyday since last Friday, during their business hours. I then sent a message through the account mobile app. Originally I was going to cancel this account. I was sent a message that apr was converting to fixed from variable on XX/XX/XXXX. After these problems I decided to close the other account as well ending in XXXX. On XX/XX/XXXX this account is also moving to a fixed rate apr. Maintenance fees are going to {$150.00} a year, also an annual fee on the annual anniversary date. This one has a {$2000.00} credit limit. I got an email this morning from my message I sent through the app and they once again said I had to call customer service and phone call still doesnt go through. So they give me until XX/XX/XXXX and XXXX to close my accounts if I dont agree with the new fee policy, but customer service phone number doesnt work. Thank you for your assistance. Aspire credit card is issued through XXXX XXXX XXXX  I believe.