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

I am writing to to formally dispute the information garnished to my credit report. 
Regarding the XXXX  XXXX account, act number XXXX. this account shows a status of paid, closed with a notation of " {$240.00} written off '' and was last updated in XX/XX/year>. I believe this information is inaccurate an requires immediate correction. 

reasons for dispute inaccuracy of reporting, under fair credit reporting act section 607b, all consumer reporting agencies must ensure the information they report is accurate, the notation {$240.00} written off ' misrepresents the status of my account.as it has been paid in-full Failure to verify section 611 ( a ) IMPACT ON CREDIT WORTHINESS THE CONTINUED REPORTINGOF THIS NAGATIVE INFORMATION AFFECTS MY CREDIT WORTHINESS AND ABILITY TO SECURE FUTURE CREDIT. 
UNDER THE FCRA SECTION 602 a. CONSUMERS HAVE THERIGHT TO A FAIR AND ACCURATE CREDIT REPORT.
Product: Debt collection

I had a student loan that was federal loans back in XXXX school Bet Tech XXXX VA XXXX XXXX changed their name to XXXX XXXX XXXX XXXX loans were paid off on 2016 then it was transferred to from GSMR to Ed Financial XXXX XXXX not upload the loan information because they were paid off then they messed a lot of my personal information and Ed Financial XXXX XXXX account number to some XXXX else. That situation was finally handled however the local government of XXXX VA and XXXX VA area where the school was continues to harass me in reference to the previous federal student loan with XXXX XXXX which was paid off in 2016 now they blocked my social security debit card by the use of XXXX and the cell company XXXX or Lively to block my social security benefits Federal Direct is the card company that handles my benefits from social security the card company is run by XXXX and the bank is XXXX bank. The local police fire and ambulance services and other businesses both commercial and private continues to harass me in reference to this loan issue this is XXXX XXXX phone number XXXX that handles my social security benefits they somehow illegally blocked my old card without my permission cell phone company XXXX or Lively their customer service department was also involved with blocking my social security XXXX XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I never paid the following accounts late, XXXX  XXXX : XXXX  and XXXX  are not reporting this account, Equifax is reporting a status of 120 days late but does not provide the dates the account was paid late. The following accounts do not belong to me and should be removed from my credit file, XXXX : Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$1100.00}, XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$1100.00} and Equifax is not reporting this account, XXXX XXXX  : Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$5100.00}, XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$5100.00}, Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$5100.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information and/or provide proof with signatures of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Product: Checking or savings account

While visiting a Citibank branch on XX/XX/XXXX, I opened a new checking and savings account in the Citi Account Package. According to the personal banker who  opened my account and Citibank website, I was eligible to receive a {$400.00} sign up bonus if I ensured the following conditions were met : 1. Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
2. Maintain a minimum balance of {$15000.00} in your linked checking and savings accounts for 60 days. 

I have met all of the aforementioned conditions to be eligible to receive the sign up bonus. Below is a chronological order of events which illustrate that I in fact met all of the conditions required by Citibank : 1. On XX/XX/XXXX I deposited {$15000.00} new to Citibank funds into my checking account and subsequently transferred {$250.00} to my linked savings account. 
2. As stipulated by Citibank, I funded the accounts within 7 days ( requirement is within 30 days ).

3. As stipulated by Citibank, I maintained a minimum of {$1500.00} in my linked checking account.

4. As stipulated by Citibank, I maintained a minimum of {$100.00} in my linked savings account.

5. As stipulated by Citibank, I maintained a minimum balance of {$15000.00} in my linked checking and savings accounts for a period of 72 days through XX/XX/XXXX ( Citibank requirement is 60 days ). 

On XX/XX/XXXX, I received an email from Citibank advising me that I am not eligible to receive the {$400.00} sign up bonus because I did not meet the required conditions. I have attached/uploaded the email with this complaint submission. 

I immediately called Citibank to try and resolve the issue, but after 4 telephone calls, 3 hours on the telephone, and numerous transfers, my issue remains unresolved. 

I am 100 % confident that I have met the required conditions and am eligible to receive the {$400.00} sign up bonus. 

I am hoping your organization can help me. 

Thank you.
Product: Mortgage

My husband, XXXX, and I have submitted several complaints through the CFPB. Each time Wells Fargo comes back and claims they did nothing wrong. We are seeking help from the CFPB. We do not qualify for programs for the lower income folks. We are not minorities. We are XXXX  upper middle class, educated people who were taken advantage of by Wells Fargo. 
We were victims of predatory lending in XXXX. We refinanced our home because we needed cash to pay down some of our credit card bills. As you are aware XXXX was right before the market crashed and our home was not worth what we refinanced it for. Wells Fargo put us in a 40 year loan at an interest rate of 9.63 %. They knew when they did it that we would never be able to pay it off. They knew it was a bad deal and they were smug when we signed the documents. 
In XXXX I had to take a different position because the economy had gravely effected my business. In XXXX my husband was unexpectedly laid off for a year. He was the major bread winner of the family. We tried at that time to work with Wells Fargo. Every time my husband spoke to them they talked about a new program ( HARP ) coming out that we may qualify for. Well as time went on we missed payments and had racked up credit card debt. In XXXX we received a foreclosure letter. We took money out of our retirement to pay up so we wouldn't lose the house. In XXXX of XXXX Wells Fargo foreclosed on us. 
Currently, I have been working dilligently to pay off credit cards. I have gotten our credit scores up to the 700 's. My husband had been rehired by his company a year later and is still there. I have been working for the same company since XXXX of XXXX. 
I am XXXX and my husband is XXXX. We plan on working another 8 to 10 years. We would like to buy a home and can not wait 7 years. We can't afford a lawyer to individually go up against a giant like Wells Fargo.
Product: Credit reporting or other personal consumer reports

My data been breech wrong name, address and bankrupt on my account. 

XXXX EQUIFAX XXXX All got my account mess up can't buy nothing
Product: Debt collection

Contacted via email by Hollis Cobb Associates regarding an alleged medical debt I allegedly owed on XX/XX/XXXX in the amount of {$580.00}. On the same day, I requested an itemization of the debt from Hollis Cobb Associates over the phone to verify the debt was real and to verify the amount they were asking from me. Per XXXX Notice for validation of debts, the five day window for providing me with this itemized debt information has now passed given that it is now XX/XX/XXXX. No itemization of the debt has been provided as of XX/XX/XXXX. They have continued to calls me over this debt long after the 5 day window. 

I requested on XX/XX/XXXX over the phone that the debt validation be mailed to my address and I provided it again to the woman on the phone. I have not received any validation of the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX ( Original Creditor : 11 XXXX ) XXXX
Product: Debt collection

I contacted Ability Recovery several times throughout XXXX & XXXX respectively. Most recently I spoke with their representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have provided the collection agency with dispute letters, fraud reports with local law enforcement as well as an FTC fraud report.

Ability Recovery has reported this debt under different account numbers with various dates of assignment and first date of delinquency all of which conflict with one another indicating that not only has Ability Recovery attempted to collect on an invalid debt but that they are also in violation of the fair credit reporting act in that they have intentionally re-aged this debt. 

This debt was also concurrently attempted to be collected in XXXX and XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX however the agency sent a letter of correction both to myself and the credit reporting agencies.
Product: Student loan

I applied for XXXX on XX/XX/XXXX and was informed that there was a 90 day processing time. The 90 day period has now passed and when I logged in to check the status of my application the status showed " Cancelled ''. I have not received any correspondence regarding this and have not been informed of what " cancelled '' indicates/translates. Upon contacting Mohela by phone on XX/XX/XXXX I was placed on a significantly long hold while my application status was " looked into '' and still was not provided with helpful information or resolution during the phone call. At conclusion of this call I was told that I would need to wait another 30 days for processing as they are unsure of why my application status is showing as cancelled. I submitted all required and fully completed documentation in XXXX of XXXX and I am not sure what the hold up is for moving forward with the forgiveness of my student loans on the basis of 120 months of completed public service. Being that the 90 days has passed I feel correction or further processing of my application should now be expedited and I should not be required to wait another 30 days due to MOHELA mishandling of my application.
Product: Checking or savings account

On Saturday XX/XX/2018 I discovered my TD bank account was overdrawn by XXXX dollars. I discovered it was from an unauthorized TD discretionary overdraft program that I did not enroll in. I had called several months previously due to having overdraft charges and was told I would be unenrolled in program. I assumed any deficit in my account would result in payment being declined. I called my branch office and spoke to XXXX who explained to me that the feature was never turned off. I went into the office to sign form to turn off. I had my daughter make a XXXX transfer of XXXX dollars. I also transferred XXXX from my savings account. I reached out to customer service on XX/XX/XXXX because I was hit with more overdraft fees because they did not credit my XXXX transfer automatically as it has in all previous occasions. Customer service manager refused to credit my account because he did not have access to phone call that was made previously where I was assured feature would be turned off. My account is now {$190.00} still overdrawn. I am a XXXX adult that only receives XXXX and pension payments once a month. That is reason why I prefer to have my purchases declined and not to be provided payment for a cost of {$2.00} and be charged {$35.00}. Each day they charged me {$170.00} in overdrafts. Even when I made transfers to cure my default that was their fault for advising me that this feature was not on. They require you to sign a form to turn the feature off but I never signed anything to turn this feature on. I also was told by their customer service that I would not have this feature on when I called several months ago.
Product: Credit reporting or other personal consumer reports

My Student Loan is now paid off as of XX/XX/2023. However, XXXX XXXX has now REMOVED the paid tradeline off of my credit report which also DELETES over 25 years of good paying history. 

This is a very important component of credit scores and after paying satisfactorily for 25 years, this tradeline does not even show up like I ever had this loan. This should still be on my credit reports for the next 10 years after it was paid off.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.

Secondly according to the 15 USC 1681.The law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately.

I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT.

15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

Dear Chase Auto Customer Service Team, I am writing to formally request a copy of the Form 1099-C ( Cancellation of Debt ) for the charged-off loan associated with my account ending in XXXX. I appreciate your responses to my previous correspondence, including letters I received on XX/XX/2024, and XX/XX/2024. 

To assist in processing this request, I have attached copies of these letters for your reference. However, I now need a copy of the Form 1099-C for my tax records. 

Account Details Account Holder Name : XXXX XXXX XXXX XXXX Account Number : Ending in XXXX Loan Type : Auto Loan Date of Charge-Off ( if known ) : [ XXXX XXXX ] This document is essential for my tax records, as the Internal Revenue Service ( IRS ) requires me to report any canceled debt as income. I kindly request that you confirm whether a Form 1099-C has been issued for this account. If it has, please send a copy to the address provided above. 

Additional Information If a Form 1099-C has not yet been issued, I request confirmation of whether the debt has been canceled and, if applicable, the required documentation to comply with IRS guidelines . 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The late payments recorded do not correspond with my regular payment pattern.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX  XXXX. 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 have found inquiries i dont recognize on my report and need them removedExperian -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian -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

Inquiry Removal Letter : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX TransUnion XXXX RE : remove unauthorized inquiries, After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 
Thank you, XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX charged my Chase visa credit card {$1700.00} XXXX ( canceled ) the purchase was protected and I was nopt give a refund or credit.
Product: Payday loan, title loan, or personal loan

I previously filed a complaint against Grain due to them not allowing me to update my checking account so I could pay my account. I was able to add my new account and brought my account current. However, the company continues to report to credit companies that I am not current, in addition, today when I logged in to confirm my recent payment had posted my account is showing as charged off. The company never notified me that they were charging off my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITACPT XXXX BALANCE {$12000.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused to the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act.
Product: Credit card

I made a payment of {$500.00} on a credit card with a limit of {$1100.00}. After i made the payment, Bank of America reduced my credit limit and sent an email several days later. I was late with payment because I didnt see how to make the payment through another bank account I have besides Bank of America so I waited until one of my incomes check were deposited into the account.