23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had a fraud transaction on my checking account where money was wired out by an unknown party. This occurred XX/XX/22 and I am still trying to resolve this with the bank. The bank indicated that they deny my request to get the money because I released information about my account. They indicated that I verbally approved this transfer. I just found out that the voice the bank had was not mine. They also said that I provided them with personal information which was not the case. I am trying to get a written transcript of the conversation.
Product: Credit card or prepaid card

After having difficulty paying a personal loan due to Citi not allowing online payments and reduced staff due to covid. I filed a formal complaint with citi against citi, and paid the loan off in full. Immediately the following months citi reduces the limit on all my cards to " balance owed ''. Thus decreasing my credit score dramatically and is continuing to do so every month. I take this as a retaliatory action and files another complaint. They then decreased my limits again. This is criminal and needs to stop. I have never missed a payment or been late. Citi is bunch of crooks. They have decreased my limits by over {$10000.00} causing my score to drop and they think it's some sort of game. I want my limits reinstated and their bullying actions to stop.
Product: Credit card

Hello, I am still experiencing issues with my ITIN not being correctly reflected in the personal details of my American Express account, I believe my previous complaint may not have been sufficiently clear. American Express has a policy of reporting ITINs to credit bureaus in the same way as SSNs, meaning an ITIN can fully replace an SSN.

To clarify, please do not confuse an ITIN with an EIN. Individual Taxpayer Identification Numbers ( ITINs ) are for individuals who are not eligible for a Social Security Number ( SSN ), while Employer Identification Numbers ( EINs ) are for businesses. ITINs serve as a replacement for SSNs in such cases.

My ITIN should be added to my file in place of an SSN, just as American Express successfully did for my husband. 

I will consider this issue resolved when I can access XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in my American Express web portal. This will confirm that the ITIN/SSN has been properly added to my account. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Amerihome agent provided misleading information and I need the recorded dialogue with representative. I was told that all information was received and being processed from my loan modification application and emailed for status continuously and got no response. My loan was sold to a new servicer and I never got a letter. Im providing proof that I did send Amerihome documents requested concerning new pay stubs XX/XX/year> and was not processed. My loan number under Amerihome before they sold it was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4200.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$17000.00} ; XXXX XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2016.
Product: Debt collection

I am a victim of identity theft and as a result, fraudulent activities were linked to my account listed below with this company. I attached all the relevant documents that this company needs to verify my claims on XXXX.18, but to my surprise these company failed to block/update these fraudulent  account within 3 days as required by law. 
Please note the below account is linked to fraudulent charges please delete asap : XXXX  ac # XXXX please delete this accounts fraudulent charges.
Product: Mortgage

Ocwen Loan Serving XXXX I first reinstated my loan with this company by paying a reinstatement payment, while filing bankruptcy, was making agreed payments each month, became XXXX, XXXX thing lead to another, but I paid the reinstatement before any finalization of the bankruptcy, in XX/XX/2016 I paid Ocwen in full and have the letter as proof XXXX, XXXX + but they refuse to report that I paid this house off to the credit bureau 's and the XXXX credit bureau 's are not helping me even after sending in the copies of all paperwork and receipts of paying this house off. I feel as if I am being mistreated unfairly and not given my correct credit scores and ratings because of this, I did the right thing by trying to correct my mistake of my financial mistake, but by doing so I am getting the bad end if they can not report the correct information and say they got there monies for this property I would like my monies back so I can go purchase a home for me and my child. or I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still being reported incorrectly. The account is charged off but reporting the account is past due. I never made arrangements to pay anything. This account has also been re-aged. This account cant be verified as accurate, there is no record of sale for the vehicle. Without a record of sale, to include the price and a verifiable purchaser, their numbers are just numbers.
Product: Debt collection

I am writing to express my extreme dissatisfaction with the claim made by your company that I am legally obligated to pay a debt to XXXX XXXX XXXX XXXX. Before I even consider making any payment, I demand the following documentation to validate the legitimacy of this debt. XXXX. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered. Please note that I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and I will not hesitate to take further action to protect myself if these demands are not met within the statutory time frame. I expect immediate compliance with this request. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX XXXX with Santander I had a ( disputed ) bill of {$110.00}. 

This amount was due XX/XX/XXXX. 

I paid this amount in full onXX/XX/2019 Santander reported me late forXX/XX/2019 and XX/XX/2019on XXXX  and perhaps other credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all 3 credit bureaus a 120 day late report is on there last reported XX/XX/XXXX through XXXX. One bureau said last reported XX/XX/XXXX. The acct number only reveals ***XXXX. I was given number to XXXX  and through all departments they do not have any information associated with my social security number.

I am unsure if this is an old account or if its fraud but i am unfamiliar with any accounts through XXXX.

Please help!
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 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: Credit card or prepaid card

I do not have any correspondence from this company any more and further more would like to have the negative account removed from my credit due to the fact that I paid off the balance, and also ; the reporting is a violation of my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  Equifax All 3 Credit Reporting agencies refuse to release any & full credit reports to XXXX XXXX XXXX in her requests by her name, DOB, SSN.

All 3 Credit Reporting agencies will only provide to XXXX XXXX XXXX ; by her current address ; nothing else ; a strictly limited information.

Infact all 3 credit reporting agencies ; contrary to federal laws ; inform Ms. XXXX they only do data release related of Ms. XXXX 's current and given address ; not by her name, DOB, SSN.
Product: Debt collection

This account was originally from XXXX BANK XXXX COM STORE. It was 90 days late in 2016 and later sold to the collection agency LVNV FUNDING LLC. I have disputed the account due to LVNV FUNDING LLC posting the wrong dates for the account and past amount due. I have also disputed the statute of limitations for this debt. 
LVNV FUNDING LLC Has taken steps with all three credit bureaus to show the debt is currently valid. I have submitted the original invoice to all three credit bureaus showing when the account was 90 days past due. LVNV FUNDING LLC Refuses to remove the account from my credit reports and has caused a significant impact to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have countless times to have the 3 major credit reporting bureaus to remove inaccurate information on my report. Ive submitted a affidavit with ftc and verified my identity but they still report the same thing which lowers my score and makes it impossible for me to approved for new credit. This covid 19 pandemic has made it difficult enough to obtain credit to pay bills and identity theft is at an all time high. Experian, XXXX  and XXXX are not following the law and removing inaccurate information nor are they verifying information, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. On XXXX XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into the inaccurate charge-off information appearing on my credit report provided by Equifax. This information is incorrect, and I request its immediate removal from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable laws. 


- Account Number : XXXX - Creditor Name : XXXX XXXX The charge-off information reported is incorrect. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history. 

Right to Accurate Information ( FCRA Section 609 ) : Under Section 609 ( 15 U.S.C. 1681g ), I have the right to obtain and dispute the completeness and accuracy of the information in my credit report. I request that you investigate and verify the accuracy of the reported charge-off. If the information can not be verified, it must be removed.

Reinvestigation of Disputed Information ( FCRA Section 1681i ) : Under Section 611 ( 15 U.S.C. 1681i ), I have the right to request a reinvestigation of any information I believe to be incorrect or inaccurate on my credit report. I demand that you review and correct this information immediately. 

Removal of Inaccurate/Invalidated Credit Information ( 15 U.S. Code 1681i ( 5 ) ) : As per Section 611 ( 5 ) of the FCRA, if, after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete such information from the consumers file.

Responsibilities of Information Providers ( FCRA Section 1681s-2 ) : Under Section 623 ( 15 U.S.C. 1681s-2 ), information providers must ensure the accuracy and completeness of the information reported. The inclusion of this incorrect charge-off information represents a clear violation of this section.

Compliance with Accuracy Procedures ( FCRA Section 1681e ) : According to Section 607 ( 15 U.S.C. 1681e ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in credit reports. The inclusion of this inaccurate charge-off indicates that these procedures have not been followed.

Truth in Lending Act ( TILA Section 1601 ) : Section 1601 of the U.S. Code ( 15 U.S.C. 1601 ) is part of the Truth in Lending Act ( TILA ), which requires the provision of accurate and transparent information in the terms and conditions of credit. This regulation reinforces my right to accurate and truthful reporting of my credit information. 


I demand that this inaccurate information be removed from my credit report immediately. I am enclosing a copy of my credit report highlighting the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and seen unauthorized inquiries. I called transunion and they wouldnt help or remove the unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

On XX/XX/2021, I started the return process with XXXX with XXXX. 
Since then XXXX had Blacklisted me and refuse to do anything. 

After they Blacklisted me, I filed an complaint with XXXX ( XXXX refuses to respond to XXXX ), I had disputed the charge. 
Reason why is that the products are defective and XXXX refuses to contact me back ( Blacklisted ). 

Under the " MagnusonMoss Warranty Act '', by law, XXXX supposed to honor the warrenty and fix they products in a timley matter. 
XXXX refuses to honar the warranty by either fixing or exchanging the products in a timley matter. 

" MagnusonMoss Warranty Act '' also states that if XXXX don't do or refuses to do any of said stuff, it states that entitled to my choice either a Full Refund or a replacement, both of which is at no cost. 


I gave Affirm everything and then some backing everything up on what I am claiming. 
Affirm emailed me on XX/XX/2021 letting me know that Affirm is breaking the law and they are alowing XXXX to break even more laws and that I am responible for the entire ballance. 

1 more thing, Affirm claims that I am 2+ weeks late on my 1st payment.

Even tho Affirm lock my account for 2+ weeks and their system refused to allow me to make a payment.
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 : XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative. And, also I dont know this item, not mine. You're reporting this item erroneously. This is an error and inaccurate information must be deleted from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete this.
Product: Debt collection

I become aware of this " debt '' when I credit application was denied and I subsequently checked my credit report in XXXX. I contacted debt collector, PETER ROBERTS & ASSOC located at XXXX XXXX, MA XXXX to inquire. He informed me that this was for collection of medical debt by XXXX. As I have not received any XXXX care from this company since at least XXXX, I called the company which informed me that the debt was for what appeared to be a medically unnecessary treatment provided to XXXX, which was denied payment by insurance company because the procedure was medically un-necessary. XXXX XXXX is a XXXX year old adult. XXXX told me that they pursuing me because they have me down as her guarantor. I have never, either orally or in writing guaranteed XXXX ' medical medical bills, much less the medically un-necessary treatment. 
I told Atrius health and PETER ROBERTS & ASSOC that I will pay the bill to save myself the trouble of litigation and avoid having negative information on my credit report. 
Despite the fact that I paid this bill that does not belong to me PETER ROBERTS & ASSOC still reports this debt collection as if it was legitimate to credit reporting agencies ( as a debt that I owed and paid true collection ). I did not owe any money to XXXX and they used collection and negative impact on my credit score blackmail me into paying the money but still kept this false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to open a credit card through XXXX XXXX XXXX and all four times they have told me my social security doesnt match what Experian credit bureau has on file. I tried last XXXX and recently in XXXX to open a secure credit card but couldnt because of the social security card issue. I just need to update my information but I cant get a hold of anyone at Experian credit bureau.
Product: Student loan

Navient keeps harassing me everyday. Calling m e 30 tim es a day every day, from different numbers. They keep violating my right under the law. This has caused emotional trauma for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payment for Capital One on XX/XX/2020 Capital One Reported a Late Payment on a Credit Card I have with them. The late payment came from an annual fee on my Capital One XXXX  Card. Because I don't use the card and keep an empty balance, I had forgotten about the late fee I paid the late annual fee including the late fee and had asked them to delete the late payment from my credit report since the late fee didn't come from having a balance. And they said they could not do so. 

Since then, the late payment had severely hurt my credit report. Despite having flawless payment history otherwise
Product: Debt collection

The debt was paid late by my insurance but it was due to the fact that the doctors office in question submitted the claim incorrectly multiple times. My insurance contacted the doctors office and let them know as well. I was in contact with my insurance the entire time. My original date of service was XX/XX/2015.There are XXXX entries for this XXXX date of service on my insurance site. The doctors office turned me over to a collection agency that wanted to hear nothing but when I was going to pay a bill I did not owe. They have since reported this on my credit and I am in the process of trying to buy a house.
Product: Debt collection

Enhanced Recovery Co has reported an account to the credit bureaus that does not belong to me. The never contacted me or sent me any kind of letter regarding the matter. The account is for {$320.00} and it does not belong to me.
Product: Credit card

My HSBC business accounts were closed by the bank in 2013, so I personally and specifically asked them to close my personal accounts as well. Last month, I received a statement from them for an open credit card account. It had no billed amounts or balances but it showed the account still open. I 'm concerned that an open account with no activity might pose a security risk and I do not wish to take responsibility for that. Also, it could cause trouble for me if I choose to take a mortgage. Should they choose to close it, it could impact my credit at a time that I need it.