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

I requested a copy of my report on XX/XX/2023 using all my identifiable information that is on all of my credit reports. 

I received a letter stating they could not provide one as they were unable to verify my identity even though I provided my name, email, Social Security number and mailing Adress. 

I emailed on XX/XX/2023 and was never responded to. 

I believe this is an attempt to delay my report as my address that is listed is on all three of my credit reports as my mailing address. I provided my correct email, phone number and social security number.
Product: Credit card or prepaid card

I called to do a balance transfer with citi mastercard by XXXX. I confirmed with customer service that I could submit a another balance transfer in the already open transfer and was told that I had one year to make more transfers. I asked how much I could transfer. She let me know that my limit was {$2000.00} but if I wanted to transfer more, I would need to increase my credit line. I agreed to increase as I have excellent credit. 
I was transferred to the department that handles increases in credit limits. My limit was increased to {$6000.00} and a hard pull on my credit was executed. 
I asked to handle the balance transfer and was transferred back to the customer service department where I was then told my another representative that I could not make any balance transfers. 

I was then escalated and transferred to a supervisor for the mistake who submitted the claim. I confirmed that if I signed up For another citi XXXX account with a balance transfer Offer ; I would be able to transfer a balance. 

But now that I have a {$6000.00} limit this will effect me being able to obtain any more lines of credit and a significant balance ( not just {$2000.00} ) I submitted my complaint and no one could tell me what the options for resultions were. They simply stated they could not reverse the credit limit increase nor could they give me a balance transfer. I feel this is fraudulent behavior and poor interdepartmental communication on consumer credit policies and laws
Product: Debt collection

I Sent a certified letter to the company on XX/XX/XXXX, requesting a validation of debt. I received no response. After receiving a letter from an attorney around XX/XX/XXXX regarding XXXX XXXX, I faxed a second letter request verification of debt. I received no response from my letter, instead they send a letter to the clerk of court and a copy to me. This company has never verified this debt to me and now it sounds like they are threatening me with a court appearance.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> Late XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update these items immediately : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX XXXX XXXX Balance {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. I also have attached letter from FCO removing me from debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX
Product: Consumer Loan

I want to know if my husband 's name and my name were being used by Wells Fargo to open phony accounts. We were their customers for auto loan from XXXX XXXX to XXXX XXXX. I found it odd because our Honda CRV 2003 was paid off in 5 years by $ XXXX to compare with Wells Fargo 's Mazda3 XXXX it took us 7 years to pay off $ XXXX Thank you, XXXX
Product: Mortgage

Good morning, We have an existing mortgage with M & T Bank. However, they have been negligent in following up about taxes and overpaid the taxes due to an error of their own. 

Our new home was built on a former plot and it had a specific plot number. However, on the same plot there are two new homes. M & T did not bother to check with the town and decided to overpay taxes by nearly {$15000.00} that increased our mortgage amount by $ XXXX/month because of an error on their part. 

The town has acknowledged that the bank overpaid. The bank has acknowledged that they have overpaid. However, the bank has not credited us the amount of the overpay. 

We would like an immediate relief in the following format : 1 ) full refund of overpayment 2 ) interest for the amount of overpayment 3 )  recalculation of mortgage payment Thanks, XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year> and XX/XX/year>. Payment was received on for XXXX Billing Cycle was paid on XX/XX/year>, which means XXXX Statement was Paid on Time. This means that XXXX Billing Cycle is not be 60 Days Late nor is XXXX  90 Days Late. This inaccuracy of reporting for XXXX payment creates an error that trickles down and makes other on time payments appear late. I'm now requesting you investigate this account and update these payments to paid on time immediately!
Product: Credit card

This is part for. pending fraud case with local police.. I took a job, they sent me money on XX/XX/year> ( {$2900.00} which turned out to be fake ) .They told me I needed XXXX XXXX XXXXXXXX XXXX XXXX using cash app for amounts of : {$500.00}, {$200.00}, {$400.00}, and XXXX. XXXX gift card from XXXX for {$540.00}, and XXXX for {$200.00}. Also, XXXX XXXX for a cell phone for {$84.00}. The check deposited so I didn't know it was fake at the time.The next day, they sent me another check for {$4600.00} ( again another fake check, but I didn't know it was fake ) to buy computer, desk, chair, printer, office supplies. I did not purchases any of things got suspicious fast. Well this check cleared the bank as did the first one, well as I got suspicious I told them I didn't want the job, and they told me to send all the money back or I would get sued. Well both checks bounced the next day and they got all the money listed above from me, and ALSO the checks were reversed and I lost all my money from the XXXX XXXX, XXXX, XXXX and XXXX XXXX ( I never received the cell phone ). XXXX, refuses to give me my money back, even though I have a pending fraud case. I need this resolved.
Product: Debt collection

My credit union acted un a garnishment submitted by LNV Funding LLC, a company with whom I do not have any original contract. I was never sent notice ; never given an opportunity to validate debt ; and the address on the garnishment is not my address. 

I demand that all monies be returned, and a debt validation process be determined. 

Additionally, because of the undue stress, embarassment and burden that this has placed mem under, I demand all financial remedies and all notice requirements for violation of the law, to the maximum extent of the law. 

This is unconscionable that a garnishment can be exeucted where there is no proof of service, because as far as I know, the address mentioned does not exist. It is erroneous information that is listed on my credit profile whixh is also incorrect. 

I have requested several updates to my credit profile with all credit bureaus, and apparently it hasn't changed. 

Why would a validated creditor utilize erroneous information? Why wouldn't they utilize the address on the original debt, if such debt existed? 

Please make immeidate remedy.
Product: Debt collection

Prime Acceptance has been difficult to work with from the beginning. My girlfriend was the primary person on the application and she tried returning the product less than 5 days of having it. She called the salesmen and the company in XXXX and they told her too bad she had to keep the product even though the loan was " secured ''. My girl friend left her job because they were calling multiple times per day and her manager was mad that she was receiving personal calls at work. They threatened to garnish her wages  and told her that they would make her pay either way. They have not updated any information on my XXXX report since XX/XX/XXXX. I pulled a report from XXXX on XX/XX/XXXX it showed a balance of XXXX in XX/XX/XXXX. However, on the XXXX report pulled XX/XX/XXXX they show a balance of XXXX. XX/XX/XXXX I had a XXXX report pulled and it shows the reporting XXXX dollars from XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX had court case was finalized against my girl friend for this account in the amount of XXXX but on my report XXXX dollars. We have received no more letters or correspondence since then. My XXXX XXXX report is showing this account currently listed as XXXX XXXX  and has not been unpdated since XX/XX/XXXX. My XXXX XXXX report is listed as Prime acceptance. I have disputed this information because this account because no similar accounts even show up on my XXXX  account. My girl friend is showing the XXXX XXXX on her XXXX and Prime Acceptance on XXXX but not on XXXX.. Per my bank it is illegal for both accounts to 1. choose which report they are going to report to and 2 have 2 companies reporting for the same account with different amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts on my credit report that do not belong to me I have tried reaching out to the bureaus as well as the furnishers and they are nopt helping me out I need this taken care of asap!!! I need to know who is using my name or opening accounts what is this,. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX - XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Accounts below have violated my rights : 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 - XXXX XXXXXXXX Account # XXXX XXXX  XX/XX/XXXX : {$360.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$270.00} - XXXX XXXX Account # XXXX XXXX  XX/XX/XXXX : {$490.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$3700.00} - XXXX  XXXX XXXX Account # ; XX/XX/XXXX : {$650.00} - XXXX XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$80000.00} - XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX {$15000.00} - XXXX Account # XXXX ; XX/XX/XXXX {$3500.00} - XXXX XXXX XXXX  Account # XXXX ; XX/XX/XXXX {$73000.00} - XXXX XXXX  Account XXXX XXXX ; XX/XX/XXXX {$360.00} 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
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving an ongoing issue with XXXX Risk Solutions regarding the removal of inaccurate bankruptcy information from my credit report. Despite my repeated attempts to address this matter directly with XXXX Risk Solutions over the past several months, they have failed to take appropriate action. 

For your reference, my personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Date of Birth : XX/XX/year> The specific bankruptcy listing in question is associated with the file number XXXX. I have received a letter from the bankruptcy court confirming that they do not report bankruptcy data to credit bureaus. A copy of this letter has been provided to XXXX Risk Solutions for their reference and verification. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), XXXX Risk Solutions is required to investigate and remove any information that can not be verified. Given that the bankruptcy court does not report this information and there appears to be no verifiable source for the bankruptcy listing on my consumer report, I am requesting that XXXX Risk Solutions promptly remove this bankruptcy listing from my consumer file. 

Furthermore, per 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate bankruptcy listing is a clear violation of this provision.

Additionally, 15 U.S.C. 1681 addresses the permissible purposes for obtaining a consumer report. I question who granted the credit reporting agencies permission to include this inaccurate information on my consumer report. 

Despite providing proper identification and the letter from the bankruptcy court, my requests have gone unanswered. The presence of this inaccurate bankruptcy information on my credit report is causing significant harm to my creditworthiness and financial well-being. 

I kindly ask the CFPB to intervene in this matter and ensure that XXXX Risk Solutions complies with their obligations under the FCRA. I request that they promptly remove the inaccurate bankruptcy listing and notify me in writing of the results of their investigation and the actions taken to correct this error. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue promptly.
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.
Product: Credit card or prepaid card

XX/XX/2021 I received 2 letters from Chase regarding my two credit cards. One, the limit was lowered from {$5000.00} to {$1200.00} and the other limit was reduced from {$12000.00} to {$5900.00}. They claim this is because my usage on other cards. By lowering my limits, they are increasing my usage on their cards and adversely effecting my credit score. I have been a customer for many years and I've had these cards for several years. Not only is it an oxymoron to lower my limits causing 90 % usage on their cards because usage is high on a couple other cards, but also because they boast about closing the wealth gap and all their doing to help people of XXXX. They just single handedly took my credit score from good to either fair or poor once this reports. You can't do anything with bad credit, which is what they're doing to me. Then the smugness of the rep, XXXX to tell me she's the final say and her boss won't change anything is CRAZY. They pulled my report ( adding an inquiry when too many inquires was one of the reasons stated for lowering my limits ), asked me questions about 4 of my accounts in which I was more than honest. I'm being punished for taking advantage of 0 % balance transfer, vehicle loans, and 59 % usage on one of my accounts. Disregarding the fact that 5 companies have increased my credit limits in the past two months. They supposedly did a thorough review, but it doesn't matter that my balances go up and 6months or so later go back down. It doesn't matter that we just sold a car and received a {$25000.00} check to pay down debt. It doesn't matter that we just spent {$12000.00} to purchase a house. It doesn't matter that we have 2 rentals that pay our mortgage. All the money they've made during this pandemic and their empty promises to help close the wealth gap makes them a fraud. I didn't get bailed out as they did with MY tax money. Yes, I was a day late on my payment 3 times, but I guess people aren't allowed to forget things when they're going through stuff. Two of the times I was on leave from my job, in XXXX and going through XXXX XXXX. They knew they were going to tell me no before they pulled my credit and asked my a bunch of very invasive questions about some of my other credit accounts, questions my mortgage company didn't ask me. They never answered my question wondering if they'd lower my limit again for these same reasons when these accounts were paid. The only answer smug XXXX gave me is that they wouldn't make my accounts negative ... that's not even what I asked. Chase reported a net income of $ XXXX in the XXXX, at the height of a world wide pandemic, but they want to mess with the little people like me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Consumer Loan

i HAVE NEVERXXXX BEEN LATE WITH COUPLE ALWAYS MADE MY PAYMENT ON TIME EXCEPT THIS ONE TIME WHEN i DID NOT RECEIVE A BILLING STATEMENT AS USUAL AND i CONTACTED THEM TO WHERE TO MAIL MY PAYMENTS SO THE ADDRESS WOULD BE CORRECT THEY delayed giving me the correct address but it was mailed four days ago to XXXX which is the next city over fom mine. then tonight at XXXX they called me and wanted to collect the payment I told them i had already sent it to XXXX four days earlier and the they still wanted me to pay them tonight. I told them that they had called at almost XXXX at night and they state they are debt collectors. The girl could not understand that I had paid my payment and she isiseted that i pay it to avoid late charges. don ' like getting calls late at night
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian for failing to comply with the requirements set forth in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I have attempted multiple times to resolve inaccuracies on my credit report through formal dispute letters, but Experian has failed to adequately investigate and correct these errors. 
I have read about the recent lawsuit filed by the CFPB against Experian for sham investigations into consumer disputes and re-inserting incorrect information into consumer credit reports. Based on this lawsuit and my personal experience, I believe that Experians actions are in violation of the FCRA, and their failure to properly investigate and address the inaccuracies on my credit report is causing significant harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian boost keeps my credit score artificially lower than all others because I refuse to purchase any products from them. When I removed accounts from their boost product my score immediately decreased seven points. This even though no negative information happened on my actual accounts. The information is fraudulent & untrue. Nothing happened to my accounts to force a score reduction & other agencies have raised my score higher than Experian with the exact same activity. My actual credit usage has gone down not up as Experian reported.