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

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all false inquiries from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these inquiries be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

In addition to that, I have already sent a letter to the creditor asking them to reverse these late payments. They havent abided by what I requested and they also violated my consumer law because they never gave me the option to opt out from reporting this information to a XXXX party. 15 U.S.C. 6802 B Obligations with respect to disclosures of personal information. 
Creditor : XXXX BANK, Account : XXXX Reason : I paid on time but you're listing me as late for XX/XX/2022- Please update to paid on time! 

Creditor : XXXX XXXX XXXX, Account : XXXX Reason : I paid on time but you're listing me as late for XXXX and XXXX of 2022 - Please update to paid on time!
Product: Checking or savings account

Re : Complaint Number XXXX I have previously filed a complaint to you with regards to the refusal of Bank of America/XXXX XXXX to honour my instructions on being able to gain access and withdrawing my funds. Bank of America has emailed and written to me that there are no account records pertaining to my name. I have provided proof that the accounts exist as I've recently wired funds to one of my accounts in XX/XX/XXXX. The funds can't just vanish. I've also tried to contact the banker, XXXX XXXX in charge of my account via text message and she has refused to reply to me. There was an agreement between both of us that I will wire additional funds to my account and that they will, in return, wire back some of my funds to me on XX/XX/XXXX. They never did. I've tried to call her number in XX/XX/XXXX but there was no answer. I've been told by someone that the accounts have been closed without my permission or without informing me and the funds have been moved to another institution. In short, I've lost all my funds that I've remitted from XX/XX/XXXX through XX/XX/XXXX. I have tried to call the US Trust office in CA and the person said there are no account records which supports the letter saying such. I don't know what are the rules and procedures for retaining records of account owners. As far as I'm aware, banks in XXXX and generally in XXXX require records to be kept for six years from date of account closure. This is mandated by the regulatory authorities.
Product: Debt collection

This company continues calling me looking for a XXXX XXXX, my name is XXXX XXXX and I have repeatedly told them this and to stop calling me as they have the wrong number and I owe no debt to them but they continue with the harassing phone calls and refuse to stop calling even though I ask them every single day to cease.
Product: Credit reporting or other personal consumer reports

I've never been late with XXXX XXXX XXXXXXXX but according to my credit report i have XXXX late payments XXXX, XXXX XXXX XX/XX/XXXX and XXXX and XXXX of XXXX A creditor XXXX 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.

i have never recieved two satments in a month or a notcie of me being late ive been late on this account the lates where removed and put back The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report.

under the fcra The Fair Credit Reporting Act ( FCRA ) is a federal law that protects consumer credit information and regulates credit bureaus to ensure fairness and accuracy. The FCRA allows consumers to dispute inaccurate information on their credit reports, including late payments. Creditors must remove inaccurate late entries if proven. The FCRA also states that late payments can't be reported to the three main credit bureaus until at least 30 days after the due date. However, some creditors may report late payments after 60 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX  XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept Ed Acct. # XXXX US Dept Ed Acct. # XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C also states a consumer reporting agency can not furnish a account with out my written instructions.
Product: Checking or savings account

Request to Citi Personal Wealth Management : Keep accounts below opened after a partial transfer order to XXXX was made : XXXX IRA ( ~ {$70000.00} ) XXXX ROTH IRA ( ~ {$2000.00} ) On XX/XX/23, I called XXXX, Citibank Investments, a phone number I had previously used to successfully contact Citibank Investments, in order to keep the accounts above open after a transfer order. I was rerouted to Citibank credit cards. 
On XX/XX/23, I called XXXX, Citibank Investments, I was rerouted to Citibank Business. 
On XX/XX/23 I called XXXX, a Citibank Investments representative, XXXX, sent me a secure email so I could attach a rescind letter to keep both accounts open. XXXX told me he will be looking into the issue of keeping the accounts open and told me he would call me back the next day. I never received a call from XXXX. 
On XX/XX/23, I reply to XXXX with a PDF attachment. 
On XX/XX/23, I received a reply form Citibank.securemail.citi.com telling me to attach and encrypted PDF without any instructions. 
On XX/XX/23, I wrote to Citibank.securemail.citi.com to asking for further instructions. I have received no response. 
On XX/XX/23 I called XXXX, Citibank Investments, I was rerouted to Citibank department other than Citibank Investments. On XX/XX/23 I called XXXX, Citibank Investments. I was rerouted to Citibank department other than Citibank Investments. 
On XX/XX/23 I called for a second time XXXX, Citibank Investments. I was rerouted to Citibank department other than Citibank Investments. 
On XX/XX/23 I called for a third time.XXXX, Citibank Investments . I was rerouted to Citibank department other than Citibank Investments. 
On XX/XX/23 I sent a rescind letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX to request that the account above be kept opened. I have not received any response. 
On XX/XX/23 I called XXXX, Citibank Investments. I was assured my account will be kept open. 
On XX/XX/23. I called XXXX, Citibank Investments. I was told the account were still closed. 

Thank you for your help and time!
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX years. 

XXXX XXXX XXXX  has posted a auto loan dating 7 years back without my approval balance XXXX XX/XX/2015 date opened XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these companies have posted negative information on my credit report without my written instructions per FCRA please dispute this information with the furnishes as I have tried and failed on multiple occasions directly
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had three incorrect charges posted by XX/XX/XXXXXXXX to myXX/XX/XXXX XXXXBank of America Visa. After several attempts at calling both XX/XX/XXXX and Bank of America I was finally, months later, able to get those charges reversed. However, there are 2 30 day late payments showing up on my credit report and I've paid 2 late penalties while waiting for the charges to be reversed. 


I should have some protections as a consumer in that I should not be penalized for balances that were factually incorrect, and the late penalty marks on my credit score seem quite unfair given the circumstances. 

This card had aXX/XX/XXXXbalance before these charges and it is my lowest limit credit card, one that I rarely use but I maintain only as it is my longest standing credit account. I've been a card holder of this card for 16.5yrs ( opened it in XX/XX/2004 ). 

Now unfortunately this is impacting my ability to obtain a jumbo loan mortgage to buy a home for my family, even though the amounts in dispute were less than {$100.00} and were in fact reversed. 

Bank of America has been completely unhelpful in this matter, putting the onus on XX/XX/XXXX even though they are partners on this credit card. 

At the end of the day, this is just a timing issue - it was an incredibly frustrating process trying to get my inaccurate charges reversed and because they were reversed in billing cycles beyond the initial posting date this issue was created. 

I have great credit otherwise and can provide supporting financial documents proving that I am certainly capable of covering my financial obligations. 

I am happy to work with you or with Bank of America to resolve this. 

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

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately :  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my husband and I filed a chapter XXXX Bankruptcy. We later withdrew our petition and the case was closed. No creditors were harmed based upon our filing and subsequent withdrawal. Since that date the three credit bureaus have had a bankruptcy showing on both of our credit reports. The balance is correct at XXXX dollars but the Bankruptcy should not be showing at all. My husband and I have both disputed this information many times with no luck having it removed for me and only XXXX XXXX removed it for my husband. 
This information is a public record that can not be validated or verified by anyone in the court and therefore should not be on the credit reports. It was also withdrawn so I do not believe We should face the same consequences as a person or people who have filed and gone to discharge on their bankruptcy. This invalid information is causing us harm and making it impossible for us to move forward with our financial future. We have been denied credit repeatedly because of this bankruptcy. I believe this also should have been removed in XX/XX/XXXX when all credit bureaus agreed to remove public records. 
Can you please investigate this and help me get this removed from our credit reports.
Product: Debt collection

I am currently trying to close on a house and was advised that I had 2 medical bills on the reporting agencies from 2012 by the amounts of XXXX and XXXX from XXXX XXXX XXXX. I was told it was sold to a Med Shield Incorporated. This debt beyond the 7 years limit and needs to be removed. They are still reporting it as if it is a new debt. I requested it be removed and they are not willing to do so nor give me further information to resolve it. They were rude to my financial advisor when they called with me on the line to get further information about my debt.
Product: Debt collection

HELLO MY NAME IS XXXX XXXX MY SOCIAL SECURITY IS XXXX, I NEED URGENT HELP OR PHONE NUMBER IS XXXX. THE DAY XX/XX/2020 I WENT TO A MACYS STORE AND I WAS OFFERED TO OPEN A CREDIT CARD WHICH I REGRET 100 PERCENT, I AM A VERY HONEST PERSON WHO WORKED VERY HARD MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS, THE REPRESENTATIVE TOLD HIM I WILL BUY SOMETHING BUT I WILL PAY IT IMMEDIATELY FOR THE REASON THAT I DID NOT WANT DEBTS AND IN MY RECORD CAN SEE THAT MAKE THE PURCHASE WITH THE CREDIT CARD AND THE PAGE INSTANT, SHE TOLD ME YOU WILL RECEIVE YOUR CARD BY MAIL, THAT CARD NEVER ARRIVED ME, SOMEONE OPENED THE BOX MAIL AND ACTIVE MY CARD MAKING PURCHASES, IN THE STAMENT OF THE CARD YOU CAN SEE PURCHASES UP ONLINE WITH ANOTHER ADDRESS THAT IS NOT THE My ADDRESS, YOU ARE CHARGING ME SOMETHING THAT I DID NOT, TALK TO THE LANDORD OF MY APARTMENT AND I ENSINE PHOTOS OF TWO INDIVIDUALS WHO FOR THAT DATE STOLEN ALL MAILS AND LETTERS YOU CAN SEE MY CREDIT RECORD PAYING ON TIME I'M NOT GOING TO LET YOU GUYS EAT ME SOMETHING THAT I DON'T USE, NOR GIVE ME MY CREDIT I'LL SEND YOU THE PHOTOS OF THE PEOPLE WHO STOLE THE MAILS, AND THIS IS GOING TO HAPPEN TO COSTUMER FAIR BECAUSE IT'S NOT FAIR THAT YOU DON'T ASK FOR ID IN A MACYS STORE TO BE SHOPPING WENT OVER TO LIMITE THERE YOU CAN TELL IT WAS A Robbery
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX XXXX today XX/XX/2020 and I applied to see if i could finance a diamond ring, however, when they ran my credit I was told that I was not approved due to having an account in negative standing appearing on my credit history. I had no idea what account they were talking about so I looked through my credit report and I saw an account from XXXX Card for an amount of {$1600.00} in negative standing. This account is not mine mine ; I did not open it nor did I allow anyone to open it in my name. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not contribute to any payments made towards this account. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding this unauthorized account.
Product: Checking or savings account

My complaint is with Regions. I kept getting overdraft fees for the same purchase and return item fees. XXXX I had 3 fees and XXXX I had 9 fees. Just those 2 months totaled {$570.00}. Messaged and called Regions several times to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporting act XXXX  account # XXXX /account # XXXX, has violated my rights. 


15 u.s.c 1681 section 602 A .states i have right to privacy 15 U.S.C 1681 section 604 A section 2 : its 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 filing this complaint due to multiple factual inaccuracies and failure to comply with FCRA reinvestigation requirements by the credit bureaus and furnishers. My previous disputes were not properly handled, and I am now demanding full deletion of the inaccurate accounts. Below is a summary of the key violations and supporting evidence : 1. Discrepancies in Date Opened The same account is being reported with different opening dates across bureaus. 
Example : XXXX  XXXX is reported as opened XX/XX/year> on TransUnion and XX/XX/year> on Experian, which is a clear violation of FCRA 1681e ( b ) ( requirement for maximum possible accuracy ).

2. Discrepancies in High Credit Amounts Example : XXXX XXXX XXXX  XXXX account shows {$740.00} high credit on TransUnion but {$0.00} on Experianindicating inaccurate or incomplete reporting. 
3. Failure to Correct Errors After Dispute Despite multiple disputes, the furnishers continue to verify incorrect information. 
TransUnions dispute results state Verified as Accurate and Updated, but key inaccuracies ( dates, balances, payment history ) were not corrected. 
This violates FCRA 1681i ( a ) ( 5 ) ( A ), which requires correction or deletion of inaccurate information. 
4. Equifax Removed These Accounts, Yet Experian and TransUnion Still Report Them Equifax has already deleted these accounts, proving that the information was unverifiable or inaccurate.

Experian and TransUnion have failed to follow the same standard, which is an inconsistency in
reporting and a violation of FCRA 1681a ( f ).

5. Previous Fraud Disputes Were Mishandled Now Filing as Factual Inaccuracy Previously, I disputed these accounts based on potential fraud or identity theft. However, after reviewing the data, I found factual reporting errors that must be reinvestigated properly. 
Important Note on Prior Disputes : Previously, I disputed these accounts on the grounds of potential identity theft/fraud, as I believed at the time that my information had been used improperly. However, after reviewing multiple reports from different bureaus, I now realize that these accounts are not just unverified but contain numerous factual reporting errors that violate the FCRA. Therefore, this dispute is entirely separate from any prior fraud claims and must be treated as a new factual dispute requiring a proper reinvestigation under 15 U.S.C. 1681s-2 ( b ). Since my previous fraud-related dispute was improperly handled, I am now demanding removal based on clear, documented inaccuracies rather than fraud. I have attached screenshots from my credit reports, dispute results, and proof that Equifax deleted the accounts while Experian and TransUnion still report them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Your help would be very much appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2022 I paid my auto loan with XXXX XXXX at XXXX XXXX XXXX. On XXXX  XX/XX/2022 I received alerts that my account was reported as XXXX days past due to credit bureaus Equifax and XXXX. Upon calling XXXX, they stated that they reported the payments as late because the payment was made at XXXX XXXX ( not stated if it was XXXX or XXXX ) which is not true. Confirmation for the payment was not received on my end until XXXX hours after the payment was made. The payment was then posted on XX/XX/XXXX, however, it states on my transaction history that my payment effective date is XX/XX/2022 ( as shown in my attachment ). XXXX is being unreasonable and does not wish to remove the delinquent mark despite all these facts being given to them. I was told by a member of their executive office that regardless of what time I paid my car note that my payment was still effective for XX/XX/2022 meaning that I was well within my XXXX day grace period and therefore not past due on this account. I have submitted complaints about this company before and have successfully had delinquent marks removed by the CFPB because of their inaccurate and unfair reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to fix the issues about the inaccurate information for the unauthorized inquiries and personal informations reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and personal informations that I am disputing : Personal Information : XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021