23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A few weeks ago, I signed up for the Citi ( XXXX ) XXXX XXXX XXXX Signature ( R ) Card. I got the card and notice, my signup bonus is XXXX points. I call Citi and say, how come I 'm not getting a XXXX bonus? The guy says I signed up with a XXXX link. I ask if there 's anything I can do to amend this. 
He says I have to close the account and reopen. This is fishy to me because then I would be ineligible, as I received an offer within the last 18 months when I signed up the first time. He assures me I will get the new bonus, I just have to do that. So I close it with him. 
A week later I apply again, this time making sure it 's a XXXX offer. I sign up and get the card, but I 'm then told I 'm not eligible because of exactly what I feared, I already signed up for a bonus when I applied the first time. I call Citi and they explain why I 'm ineligible. She transfers me to customer service. They understand what I 'm saying and after a long hold, say, " We 'll get you the right bonus but you have to re-open the account you closed. '' OK. 
I ask multiple times, " The bonus I 'm now eligible for is XXXX, right? " Yes, yes and yes. He says to not worry about the XXXX account I opened, he 'll take care of it. Well today I get a letter in the mail, " Thank you for re-opening your account, your card will arrive shortly. '' An hour later, I get an email I was " approved '' for the XXXX account. 
I have called back numerous times since then checking on the status of my account. Every single time, I get a different answer from a different person. I have been deceived by Citi and they continually do not honor the things they tell me. 
Now they tell me I have XXXX accounts and I can not receive a bonus offer on either XXXX of them. I am extremely dissatisfied and feel lied to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report : XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They  have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card or prepaid card

I received the overly verbose letter enumerating in detail why I was assessed the {$29.00} fee and why I was late unmaking the payments in the first place. 
There was no mentioned of the fact the the Post Office box on the pre-printed statement is the incorrect address for payments. 
Also, after calling the payment method indicate in the letter by phone, I just called that number, and was unable to make a payment because my only phone number ( XXXX ) was not recognized by the automated system, there fore that payment option was not a good one. 
I want to pay off the full amount, without any difficulties. ( Of course, with continued difficulties, the bank would continue to make money on fees. ) I am going to make a final payment in the balance due via a transfer from a credit card. 
Please allow me to make this final payment effortlessly.
Product: Credit reporting or other personal consumer reports

this company is reporting false information when reaching out to try and correct information company just sends back the same information over again
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX ... keeps reporting a balance of {$27000.00} as of XX/XX/2018 on the auto loan that was paid in full to them years ago. At the time of the sale of the vehicle I was told that a total of {$24000.00} was recovered and no money was due from me ... Now I come to find out they reported a balance on my credit report.. I attempted to contact XXXX who sent me 2 letters back to back ( computer generated response very simply ) stating they validated this debt and contract was sent to me which was a lie. Now all of a sudden I started to receive calls from them at XXXX and XXXX on daily basis as an " attempt to collect debt '' and threatening to arrest me for an unpaid balance or send a sheriff to my employment ... This is ridiculous and should not be a legal practice for collection of the amount that is not owned in first place ...
Product: Checking or savings account

I attempted to close my accounts with fifth third XX/XX/2018. My account was not closed, and I have since been hit with two overdraft fees, and have an outstanding balance of {$290.00} from a recurring payment tied to the account, plus the two {$37.00} overdraftt fees. The account is still not closed. Fifth Third Senior Vice Preisdent XXXX XXXX sent me a lettter threatening collections if I did nott pay, and provided contactt information and hours. I have tried calling within tthese time windows on multiple different times, on multtiple different days, only to recieve an auttorecorded message saying that fifth third is closed. The call window is XXXX M-F, XXXX Sa-Su. I placed multiple calls at both XXXX Saturday and XXXX Friday to no avail. 

This issue can not be resolved if the contact information provided is not functional. I have phone logs to back up the call placement times. I also have withdrawal records, and I'm sure the bank has video evidence of me entering and asking to close my account XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

From XXXX XXXX XXXX Dear Experian XXXX XXXX, XXXX XXXX XXXX XXXX XXXX I am writing to request the removal of several hard inquiries from my credit report. I recently reviewed my credit report and noticed that there are multiple hard inquiries listed, which I believe are negatively impacting my credit score. I believe they are as a result of a data breach at XXXX. 
I understand that hard inquiries occur when a potential creditor or lender checks my credit report as part of their decision-making process for granting credit or loans. However, I have reason to believe that some of these inquiries may have been made without my consent or knowledge, and this fraudulent in my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the following hard inquiries be removed from my credit report Please note that I have also disputed these inquiries with the respective creditors or lenders and have not received any satisfactory response. 
I understand that the removal of hard inquiries is not always possible, but I hope that you can help me resolve this matter. 
I would like to request that you respond to my request within the next 30 days, as per the FCRA.. 
Please remove these inquiries as soon as possible so that I can maintain a good credit history. 
Thank you for your prompt attention to this matter. 
I appreciate your cooperation in resolving this issue. 

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

I have tried repeatedly although unsuccessful to remove multiple inquiries from my credit report with all 3 credit bureaus multiple inquiries in a certain timeframe should only count as 1 inquiry. Each bureau refuses to remove the inquiries from my report which is affecting my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX  XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1100.00}, XXXXXXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/XXXX Balance {$2100.00}, and XXXXXXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/XXXX Balance {$270000.00}.
Product: Credit reporting

I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Transunion was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent woman, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that you will investigate these accounts for me to ensure accuracy Here are the accounts I am asking you to verify as accurate : XXXX Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020 XXXX -Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. (  Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Mortgage

had loan with Ocwen loan servicing XXXX XXXX, /XXXX, fl XXXX acct # XXXX bankruptcy 2009 case # XXXX told by credit counseling service there were payment arrangements made with this company. there were never any payment arrangement with this company. 
ocwen loan servicing , llc # XXXX /XXXX XXXX / XXXX, fl XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  needs to delete this information off my credit report as it's not correct information as a proper dispute will prove. The state and federal laws have clearly stated that if you cant register. The car was bought was bought and sold and states it only has had 2 owners. They have clearly violated state and federal laws and needs to contact the dealership as I have as my concerns continue to go unanswered. I don't owe XXXX XXXX any money.I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED XXXX, XXXX, XXXX. So, Im just so freaking frustrated and ticked off and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found 0 updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this. 
Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report ( specifically these accounts listed below ). Here are the accounts in error : XXXX XXXX
Product: Mortgage

I have been denied twice for a loan modification from Shellpoint in the last 6 months. My initial request went in XXXX and I should have been considered for the HAMP program that was still active. I have sent them proof that I can afford my mortgage payment and have asked them to add the arrears to the balance and give me a fresh start through the MHA program and/or their in-house programs. In the first review, the income that was calculated was not accurate and we were denied for lack of income per a discussion with Shellpoint representative, and so we submitted the package again via an appeal to the first submittal in XXXX XXXX. The denial letter of XXXX/XXXX/XXXX also states that the investor on our loan, XXXX has not given Shellpoint authority to modify our loan under HAMP and that the XXXX did not approve a Standard Modification because of the results on the NPV evaluation. 
The appeal was sent in on XXXX/XXXX/XXXX with the supporting income documentation. Shellpoint on XXXX/XXXX/XXXX once again denied our request, now for a different reason that was given to us over the phone. We are waiting for the denial letter as we write this. The reason that was given to us over the phone was something having to do with our property having equity. It sounds to us that the servicer and possibly the investor are just wanting to foreclose my property because there is equity and they would be paid in full, leaving me and my family of XXXX without a home. 
We believe that Shellpoint and its investor can work something out for us and have not taken the necessary steps required by the law to consider all options for us. They keep coming up with a different excuse to not approve our loan modification. Please help us investigate this servicer and investor, we really can afford to keep our home and now are stable to do so. We just need a chance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was aware of this fraud account on my credit XXXX of 2020. I am not aware of where it came from or who used my information. Since XXXX 2020, I have been trying to get this account removed off of my credit.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a laws against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I asked Transunion, XXXX  and XXXX  to verify two accounts ( XXXX XXXX and XXXX ) that were reporting inaccurately. They responded on XX/XX/XXXX stating that the Original credit, past due, terms and rating were updated on the XXXX Account for Transunion and the XXXX account remained the same. 

I then responded on XX/XX/XXXX to Transunion, XXXX and XXXX  because XXXX was still reporting inaccurately with three different months for the same late payment. Transunion reported XX/XX/XXXX, XXXX  listed XX/XX/XXXX and XXXX  reported XX/XX/XXXX. XXXX has since removed the late payment, however, it remains on XXXX  and Transunion. If the same creditor is verifying payment history on the account to all 3 of these bureaus, then how can the dates be different across both bureaus? 

I also responded to on XXXX XXXX to the XXXX  account still reporting inaccurately with different dates of last activity. Transunion has it listed as XX/XX/XXXX, XXXX  has it listed as XX/XX/XXXX and XXXX  has it listed as XX/XX/XXXX Again, how can these dates be different if the information is being verified with the same creditor? 
The bureaus responded and XXXX is still reporting with different date of last activity as XX/XX/XXXX for Transunion, XX/XX/XXXX for XXXX  and XX/XX/XXXX for XXXX  which is inaccurate.
Product: Debt collection

I pulled my credit report and noticed there are some items that are not right. 
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable :. 
. 
. 
If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 
. 
. 
. 
please view FCRA laws and 15 USC 1681s-2a
Product: Debt collection

ERC has reported to the credit bureaus an account that I have no idea who XXXX XXXX is and never had. I submitted another complaint a few days ago but just found out about this second one. I have not received any notices at my home in which I have been in for 2 years. 

After researching the original creditor there is no way this account belongs to this XXXX XXXX and I am requesting ALL collections pertaining to this creditor and myself to be deleted from all credit bureaus IMMEDIATELY. I am also filing a FTC and XXXX complaint as these collection agencies have to do better when validating and verifying debts and ownership of debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.