23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The debt obligation originated with Citibank in XX/XX/XXXX. The terms changed in XX/XX/XXXX and we were unable to reach an amicable resolution for repayment. Since XX/XX/XXXX, I have paid extremely high interest rates due to this XXXX unpaid debt. This obligation has far exceeded the 7 year penalty and should be removed along with all of the other debt collection agencies that have attempted to benefit from this unpaid obligation. However, they keep reappearing and reporting to collect the same debt under different names. This is not only unfair to the consumer but a gross violation if the original debt was over 7 years ago.
Product: Checking or savings account

On XX/XX/21, {$5000.00} was fraudulently taken in unauthorized XXXX transactions from my checking account at Regions Bank in XXXX, Alabama.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus have names, addresses, phone numbers and information that is not my listed on my Credit report. The only info that should be listed is info show on my state real id drivers license that i have attached
Product: Credit reporting, credit repair services, or other personal consumer reports

This account from Santander Consumer USA is not my financial obligation and is hurting my credit score. I filed a dispute with XXXX, XXXX and XXXX  on XX/XX/2019 and to no avail this derogatory account is still listed on my credit report. I have not heard from any agency in response to the accounts validity.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Late Payments from Credit Report Dear CFPB Team, I am writing to formally file a complaint and request the removal of several inaccurately reported late payments from my credit report. This request pertains to my account with XXXX XXXX XXXX, account number XXXX, where late payments have been reported on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I believe these reports are incorrect and should be removed based on the following legal grounds : XXXX. Fair Credit Reporting Act ( FCRA ) : o 15 U.S. Code 1681s-2 : This section outlines the responsibilities of information furnishers to provide accurate information to credit reporting agencies. Any inaccurate or incomplete information must be corrected promptly.

o 15 U.S. Code 1681i : Under this section, consumers have the right to dispute information on their credit reports. Credit reporting agencies are required to investigate disputes and correct any inaccuracies.

2. Truth in Lending Act ( TILA ) : o 15 U.S. Code 1637 ( b ) : This section mandates that creditors provide accurate billing statements to consumers. Any errors or inaccuracies in billing should be corrected immediately upon discovery.

3. FCRA Section 1666b : This section requires that when a consumer disputes a billing error, the creditor must conduct an investigation and report the results back to the consumer. If the creditor fails to respond within the specified time, the creditor must remove the disputed charge from the consumer 's account. 
I respectfully request that you review my case, remove the inaccurate late payments from my credit report, and inform me of the results of your investigation. Enclosed with this letter are copies of my credit report and any additional documentation that supports my claim. 
I look forward to your prompt response and resolution of this matter. Please do not hesitate to contact me if you need any further information to expedite this process.
Product: Credit card

on XX/XX/XXXX, I applied for a Citi XXXX Credit card on the Citi Official website by the application ID:XXXX. The application got denied and the reasons are not specifics or clear. 
I demand to Citi bank under the Equal Credit Opportunity Act and Fair Lending Laws, to take my application to reconsideration by a physical person and not an automatic system 2 min answer. 
Attached my XXXX credit report with the denied letter as a proof and backup of this claim. 
The reasons of the Denied application are : *Length of time accounts have been established on your credit report. 
*Your credit report shows too many recently opened accounts. 
** Your credit report shows too many recent inquiries. 

My Counter-Response to the Grounds Set Out Above : 1= My credit Score is XXXX. By the time of the credit card application was XXXX, it dropped because of the Citi bank hard inquiry. 

2=*Length of time accounts have been established on your credit report. 
R// : I'm a US citizen , who was born In USA but grown in XXXX XXXX XXXX I came to the US 3 years ago, since I came to this country, I stated building credit with different credit cards and a car loan that is paid off already. No late payments or delays in any of them. If theres a minimum of reported years established by your internal policy, please provide me with the real number to understand this decision. 

3= *Your credit report shows too many recently opened accounts. 
R// : I have few credit cards open, to build credit, they have no balance, some of them are close and I can provide with a documentation if need it, the ones that I keep open are : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD XXXX credit cards in total, No late payments or delays in any of them. If theres a minimum of opened credit cards, loans, or line of credits established by your policy, please provide me with a REAL number of a maximum of active credit products to be eligible for a Citi Credit Card. 

4=** Your credit report shows too many recent inquiries. 
R// : My last inquiry was CITI CARDS CBNA on XX/XX/year>2024 that is this claimed application, before that I have XXXX XXXX ( XXXX XXXX CARD  ) XXXX XXXX/XXXX/2024. No other hard inquiries for this Year, if theres a maximum of hard inquiries by customer within a year or in the last years, please provide me with the real number to understand when to re-apply for the card. 

5= I work as a XXXX XXXX for XXXX XXXX XXXX Ive been in this position for 2 years and a half I can provide with paystubs as need it. Currently renting {$600.00} per month. And my annual salary is around {$66.00}, excluding incentives and bonuses.
Product: Mortgage

I acquired a VA loan through XXXX XXXX- I submitted full payment, they kept it {XXXX}. 
They transferred my loan to XXXX XXXX. I requested a proof of claim, 15 U.S. Code 1692g - Validation of debts. They didn't reply to my request, they contacted the XXXX I received a letter from the XXXX saying that I was behind on my payment. I will be making full payment once they provide me with satisfactory evidence of a loan that I owe. I have made three attempts, in making my request of proof of claim, validation of debt. Also, I am aware of the securities fraud Home Mortgage Disclosure Act of 1975 ( 12 U.S.C. 2801 et seq. ), Real Estate Settlement Procedures Act of 1974 ( 12 U.S.C. 2601 et seq. ), Truth in Lending Act ( 15 U.S.C. 1601 et seq. ). I will take action if they refuse to provide me with accounting history, legal documentary evidence in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified dispute letter to Equifax, and XXXX, asking them to valid that the account they are reporting is reporting accurate information on my credit report. Both Equifax and XXXX  mailed me a letter stating all on the information on my credit reported was accurate, however, as you will see on my attach file the reporting information is inaccurate and inconsistent. The date of last payment is inconsistent and inaccurate, along with the date of last active. I've made attempts to get in contact with XXXX XXXX to resolve the correct amount owe and to dispute the inaccurate information reported, but still have not gotten a response. If this matter does not get resolve, I looking to file civil suit because this clearly violate the Fair Credit Act.
Product: Debt collection

XX/XX/2020, I submitted a dispute to XXXX regarding an erroneous debt placed on my credit file. Even after submitting my identification to verify myself, which is required because I have been a victim of identity theft presumed by a relative more than 15 years ago. XXXX  is reporting the debt of XXXX XXXX / Ars LLC / Ability Recovery Services , LLC of {$860.00}. This item does not belong to me ; I have never had any business dealings with these companies. In a prior dispute, this item was removed from a different credit file ; however, there was no XXXX  response. This account is fraudulent not belonging to me I have not had a relationship of any kind. As a result of the false information or accounts obtained falsely, it negatively impacts my credit, and the bureaus or the collection agencies have NOT done due diligence to verify and rectify.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting false information to my XXXX, that is not on my credit report. The information theyre reporting has damaged my credit score and theyre refusing to fix it. They are reporting bogus made up information. My XXXX dated XX/XX/2022 includes 4 derogatory 30+ marks of delinquency in the last 12 months and noted that the most recent delinquency was 5 months ago. Since none of this information is listed on my current credit report at all, there is no option for me to dispute this. When I called to escalate this issue, I got put on hold for over an hour and no one ever comes back to the phone. I was told that they no longer report to FICO and there was nothing they could do. 

Also, theyre refusing to delete a credit card thats been reporting for more than 7 years. The records they are completely wrong and theyre refusing to a knowledge this. When I reached out to myFICO, they advised that this is the most recent information that Equifax reported to them.
Product: Credit reporting 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 items 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 any items 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

My credit/ background is reporting arrest and convictions on charges that were dropped and wrongfully arrested for.
Product: Debt collection

XXXX XXXX, 2017 XXXX XXXX XXXX {$XXXX}. I had insurance that I gave to this department that was never filed by them. I do not feel that I should be held responsible for an error they made. 

XX/XX/2017 XXXX XXXX XXXX, {$XXXX}. I have no knowledge of this account or of the company. I have asked that this be removed from my credit and it has not been removed. 

XX/XX/2017 XXXX XXXX XXXX {$XXXX}. I have no knowledge of this account or of the company. I have asked that this be removed from my credit and it has not been removed.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to inaccurate and unverified information on my credit report. I have disputed the following items on my credit report with XXXX because I believe they are inaccurate and can not be verified. Despite my formal request for verification under Section 611 of the FCRA ( 15 U.S.C. 1681i ), XXXX has failed to provide adequate verification or delete the contested items. The disputed information includes : Creditor/Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to contacting the credit bureaus directly, I have also filed a report with the Federal Trade Commission ( FTC ) regarding this matter. My FTC report reference number is. This report outlines the same issues I am presenting here and supports my claims of unverified and inaccurate information on my credit report. On XX/XX/year>, I sent a formal dispute letter to XXXX, requesting verification of the items listed above. I provided copies of my credit report and supporting documentation, but I have not received a satisfactory resolution. The disputed items remain on my credit report despite the lack of proper verification. Given the continued presence of unverified and potentially inaccurate information on my credit report, I request that the CFPB take the following actions : Investigate the failure of XXXX to comply with the FCRA. Ensure that XXXX either verify the accuracy of the disputed items or promptly delete them from my credit report. Address any potential violations of my rights under the FCRA by XXXX. Please find attached the following documents to support my complaint : A copy of the FTC report XXXX .Any correspondence between myself and XXXX regarding this dispute I appreciate your prompt attention to this matter and look forward to a resolution that upholds my rights under the FCRA XXXX 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit, that was not properly investigated. I have filed several disputes with Experian and XXXX. This dispute is submitted under the FCRA 15 U.S.C. 1681 ( i ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Disputes Reported : Over ten disputes were reported between XX/XX/XXXX and XX/XX/XXXX ; without resolution. 

The inaccurate item at hand is one 30+ late payment from XX/XX/XXXX with XXXX XXXX XXXX I have re-verified this information with an XXXX XXXX representative on a recorded line on XX/XX/XXXX at XXXX XXXX XXXX Stating that my account does not have any marks for a late month, only a returned check fee from XX/XX/XXXX, a fee which was returned to me as a credit after payment was received and the issue was resolved. Once again, it has been verified that my account is in good standing with no late months on file. XXXX XXXX representative submitted a request on behalf to fix the reporting issue that has threatening access to credit, housing, and employment, and housing. 

As per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. In accordance with, 15 U.S.C. 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S.C 6802 A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. Seeing as the financial institution never provided a consumer notice with 21 days, Experian and XXXX failed to investigate. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. I have disputed this issue with Experian and XXXX ; however they refused to launch an actual investigation into resolving the matter.
Product: Mortgage

I am requesting hardship assistance. However I am being told I do not qualify for any assistance because I received a modification last year. I am also being told I had XXXX repayment plans, this is inaccurate. I requested a supervisor to contact me so that we could resolve the repayment plan discrepancy. But I have yet to receive the phone call. time is of essence i have no been referred for foreclosure action!!!
Product: Debt collection

Subject : Urgent Demand for Investigation and Resolution of Fraudulent Accounts and Inaccurate Credit Reporting To Whom It May Concern, I am writing to you as a victim of identity theft and a distressed consumer who has encountered significant barriers due to the negligence and noncompliance of your organization with federal consumer protection laws. Despite my diligent efforts and the clear provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B, the fraudulent accounts opened in my name have not been addressed appropriately, causing substantial harm, including the inability to secure housing for my newborn daughter and me. 
As previously communicated in my letters sent to your company dated XX/XX/year>, accompanied by a comprehensive identity theft report, a detailed list of the fraudulent accounts, and a signed affidavit, these accounts were opened without my authorization. The documentation provided should have sufficed to initiate an immediate investigation and removal of these erroneous entries from my credit reports as mandated by the FCRA. 
However, it has been nearly a year since my initial report, and the lack of action from your side is not only disappointing but also in direct violation of consumer protection statutes. The persistent inaccuracy in my credit reports has unjustly tarnished my financial reputation, causing undue stress, barriers to essential services such as housing, and jeopardizing the well-being of my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I noticed the following accounts on my credit report after previously informing the credit bureaus of the fraudulent accounts. Please assist me with this matter immediately. 

1 : XXXX XXXX XXXX ACCT : XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX
Product: Debt collection

I received a collection letter from RPM ( Receivables Performance Management LLC ) today on XX/XX/2018, in an attempt to collect a supposed debt to XXXX for {$320.00}. 
The letter states if you do not notify their office within 30 days they will assume this is a valid debt. I called them immediately upon receipt of the letter, XX/XX/2018, and was told I can not dispute it. The woman I spoke to threatened that they can take legal action, told me I can not dispute, and proceeded to hang up on me. I do not owe XXXX any money. The XXXX account in question that I previously had for several years was in good standing and was paid off, which is how I was able to get my pin number from XXXX in order to go to a new company. Nothing was left owed to XXXX.
Product: Checking or savings account

I am not opted in to overdraft protection yet have been charged multiple overdraft fees.
Product: Debt collection

Capital one filed a lawsuits against me without notifying me, they never called me or return my call, I left a voice mail for some one called XXXX XXXX XXXXXXXX never called back, When they pick the phone ( XXXX ) she was not collaborative with me and she said they will send me to court, she was threaten me, I also called again and they transfer me to someone called XXXX went to voicemail and I never heard back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

They reported me over 120 days late and that is inaccurate. I wrote them and asked them several times to remove the late marks, and still they remain, the fair credit report act states they have 30 days to either dispute or remove and the have chosen to do nothing.