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

I have 2 student loans on my credit report from XXXX. I called the number on my credit for the loan servicer, and they said I had to email the original servicer, so I did, and an automated email came back and said this company no longer services student loans. Therefore, I asked they be removed from my credit because these loans are dismissed, therefore reported wrong on my credit, pulling my score down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelson Cruz and associates agreed to pay for delete all entries to all credit reporting agencies to which they report. Final payment has been made.
Product: Credit reporting or other personal consumer reports

I am writing to complain about Experian. I have been unable to log on to Experian 's website for several months. I have tried calling and have never gotten anyone to help me. In the rare cases that I get to a representative at Experian, they tell me that everything is fine with my account and that there may be a lock due to multiple attempts to access the website. They asked me to wait XXXX XXXX and reset my password online. I have done this at least 5 times over the past 6 months and have never been able to resolve the issue or access my credit report or details online. 

I have never had such terrible customer service from any service or company like this. Other services, such as XXXX or XXXX, do not have such problems with access to my credit report, history, etc. 

Due to this, I can not monitor my credit effectively, and there is no reprieve in sight. I have spent hours upon hours on hold calling Experian to get this resolved and have even tried to escalate this issue. Still, they have either just cut off the line after several hours of being on hold and waiting for a representative or supervisor, or the person who does answer can not help me resolve the issue and asks me to wait for XXXX XXXX and try again. I am frustrated with this issue and Experian and am at my wit 's end. Please help me resolve this issue!
Product: Credit reporting or other personal consumer reports

I was told by the court they do not report to credit bureaus bureaus requesting removal of the inaccurate data for their violation of the FCRA.
Product: Debt collection

I am not good at checking credit until I have to buy something but I kept getting denied and I wondered why because I dont use my credit for anything because when I was younger my foster mom told me Credit is king so I always stuck by that but lately Ive been getting denied and I havent applied for nothing or got any phone bill in my name but I have lost my Social Security card multiple times, and places I think people will steal my identity which they have in this particular moment. Im just trying to get this off my report so I can move forward with my life going into the new year.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX Account Number - XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXXXXXX XXXX, Section XXXX, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquires on my credit report of which I do not recognize and would like them to be removed due to the privacy act, and due to the lack of written consent to release this information to the credit bureau. 
XXXX XXXX  Date : XX/XX/XXXX XXXX, Transunion, XXXX XXXX Date : XX/XX/XXXX XXXX, Transunion, XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX, Transunion, XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX, Transunion, XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX, Transunion, XXXX
Product: Credit card

Someone opened a credit account with CapitolOne in my name without my knowledge or consent on XX/XX/2024. I received a CapitolOne Venture Card on XX/XX/XXXX in the mail. I then called CapitolOne on XX/XX/XXXX to report the fraud, and they informed me the account had been opened with erroneous personal information, including a wrong date of birth. CapitolOne opened an investigation which is now ongoing. I have started freezing my credit accounts with the reporting agencies, and will be seeking to remove the hard inquiry that's now on my report.
Product: Bank account or service

I originally received a promotional offer from Citi for opening a CitiGold checking account with a promotional offer for XXXX XXXX miles upon qualifying debit purchases ( see attachment on XXXX/XXXX/16 ), and upon calling Citi to open my CitiGold account I was put on hold to verify my eligibility and was CONFIRMED that I was ELIGIBLE, and the account was then opened with the promotional offer. I also contacted Citi via online chat to confirm the debit purchase requirements, in which Citi confirmed that making {$1000.00} in debit purchases ( along with the already completed bill pays over 2 months ) " to receive the promo bonus '' ( see attachment on XXXX/XXXX/16 ). After completing the requirements, I contacted Citi via online chat on XXXX/XXXX/16 ( see attachment ) to confirm all requirements were met and the representative confirmed everything was met and after 90 days I would receive the bonus. After the 90 days I contacted Citi via secure message on XXXX/XXXX/16 and was told that I was not eligible for the promotion ( despite being continually confirmed of eligibility ) and therefore would not receive the promotional bonus. I signed up for this offer based on this promotional bonus and Citi has $ XXXX monthly fees for the account ( which I would not have agreed upon without the promotional offer ). This willful misleading is unethical and fraudulent, Citi willfully agreed that I was eligible and confirmed the completion of the requirements as evidenced by the attachments, and now that I am due the promotional miles Citi has suddenly reneged on the offer while continuing to charge monthly fees for the account. Citi should be held accountable for honoring the promotional offer, particularly given the fact that throughout the process they confirmed and reconfirmed my eligibility and qualifications for the promotional offer. This type of misleading can not be legal and Citi should be held accountable, particularly given that a quick internet search shows that Citi has " scammed '' many people with this same offer.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : 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

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each p
eriodic 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 requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

The customer service employee, dont have any information and try to end the call quick. They have no information on what I can do instead, they have wait for a call from a supervisor to fix the problem its been 2 weeks no response. I explained multiple times that I didnt allow for them to pull from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was put on hold and never talked to anyone. several times
Product: Mortgage

In XXXX I submitted my complaint pointed out how the Servicer - Rushmore Management LLC provided me with a Re-Instatement figure and in that Re-Instatement figure how it included payments that I had already submitted payment for via their attorney on XX/XX/2021, and how because of Rushmore 's error how this has resulted in me being denied assistance from the XXXX program in my state of XXXX 

In Rushmore 's response to me they asked me to provide them proof that I paid them {$6000.00} on XX/XX/XXXX with. For perusal I am attaching the canceled check from my bank.
Product: Credit reporting or other personal consumer reports

I am not involved in these inquiries and I am not associated with the listed creditors. I'm asking you to remove them from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my report contain errors : XXXXXXXX XXXX  XXXX Late Payment Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX  XXXX Charge XXXX Account XXXX XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. The FCRA requires that credit bureaus investigate disputed items and correct any errors within 30 days. 

I believe that the above-listed accounts contain errors in the form of incorrect balances, inaccurate late payment reporting, and/or incorrect dates. As such, I request that you investigate these accounts and correct any inaccuracies as soon as possible. 

I also want to express how deeply concerning and stressful it is to have inaccurate information on my credit report. It affects my ability to secure loans and credit, and it can impact my financial well-being. I urge you to take my dispute seriously and promptly investigate and correct any errors on my credit report. 

Thank you for your prompt attention to this matter. 

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

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

XXXX transferred my Savings Account to Citizens in XX/XX/2022. XXXX did not charge my account any service fees. Citizens immediately began charging me dormant fees, service fees, and now statement fees. I did not consent to all these fees, and Citizens did not clearly advise me of the change in terms during transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, Transunion made a mistake on my credit report they added a loan account from a company called XXXX XXXX XXXX XXXX , I have never opened a loan account with such a company and never had a loan opened from any company before. Also, Transunion added the following address to my credit report " XXXX XXXX XXXX XXXX XXXX, NY XXXX '' I never resided at such address and I have no knowledge about it. 

I disputed the charges with Transunion through XXXX and the results of their investigation was : TransUnion investigated your dispute but the information was verified as accurate. Other information was also updated. 

There is 0 % chance the I had such a loan account because the account was opened XX/XX/2016 and I had No SSN or any ability to have a loan or credit under my name at that time. 

This all started when I called Transunion trying to lift off the fraud alert I had put on my account in mid-XXXX. Transunion took all of my information over the phone, name, date of birth, address, and SSN number. And they couldn't help me remove my fraud alert, so I kept it as it is. Two days later, I received a notification that there has been a change to your credit report. Once I opened my XXXX XXXX account to check, I noticed that my Transunion credit score dropped from XXXX to XXXX which is XXXX point decrease. Moreover, I called them and explained to them that they made a mistake since it all happened only when I contacted them. I then disputed the loan account that was put on my credit report ; and the wrong address they put on my account. Now I'm not sure how such a mistake could happen from a credit bureau. I'm in the middle of applying for loans and this hurts my current and future plans. Transunion made a mistake and I'm paying the price for it because when I called them they said it will take 30 days to resolve the dispute and this is financily damaging to me and I don't know to etxten I have already been or will be financially harmed. Please help me resolve this issue ASAP. 

Additionally, have two dispute number one from Transunion and one from XXXX XXXX dispute number : XXXX Transunion dispute number : XXXX Attached is two pictures shows the loan account and the wrong address mentioned on My credit report. Thank you.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports shows my XXXX XXXX being 60 days late which does not make sense because usually it goes from 30 days late to 60 to 90. Can this please be fixed. I am not able to have a good credit score do you this. Its on a few of my XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the inaccurate items in my file that resulted from an incorrect reporting but I still have ITEMS left that needed to be removed. I recently conducted a review of my recent credit report, and I noticed that your agency showed two ( 2 ) credit inquiries that I find to be problematic. I contacted the companies listed below and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request, and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXXXXXX XXXX KY XXXX. Please remove these inquiries at your earliest possible convenience, as I am going to be applying for a mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

to whom it may concern : Under federal law any collection company must posses : ,a contractual agreement with original creditor that you have the right to collect this debt, must have original document with my signature on to validate this debt, proof of debt original contract, if you have to request this to the original creditor it means you don't have it therefor you are reporting this account illegally, violating federal law, I am a litigious consumer and I with enforce my right, I know that I can request monetary retribution damage for your illegal report. 
Please remove this report from my credit or I will pursue monetary retribution. 
Thank you for you quick responds.