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

Citizens Bank on multiple occasions was presented at area banks with checks stolen from the USPS ( my checks ), those checks had been altered - new payee and new amount. Banks flagged the checks. 
Those bank branches refused to notify law enforcement, refused to work with law enforcement, and refused to provide me ( the victim ) with any information in writing. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Citizens Bank ( local branch address, I do not have the corporate HQ address ) XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped 38 points with Equifax on XX/XX/XXXX and 44 points with XXXX on XX/XX/XXXX. I am trying to rebuild my credit from a failed business venture. The only 2 things I did in the last 2 months is pay off a XXXX dollar balance owed on a credit card and paid XXXX on another. Nothing else has changed on my credit report. My scores were just at the minimum XXXX to get a mortgage loan but now they are back at the XXXX and XXXX levels. I have done nothing except pay off debt. My scores should not have dropped like that for something that improves my credit and shows good payment history. I think the credit reporting agency 's are mishandling my credit which is keeping me from moving forward with my credit progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the consumer reporting agencies Equifax, XXXX, and XXXX of fraudulent accounts on my credit report resulting from identity theft and a data breach. pursuant to 15 U.S. Code 1681c2 ( section 605B ) which states that these accounts must be removed within 4 business days of date of receipt.They are still on my report and this affecting my livelihood. pursuant to 15 U.S. Code 1681c2 authority to rescind and/or decline ONLY applies if : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
This request was not given on the substance of any reason to decline or rescind as stated in 15 U.S. Code 1681c2. Also keep in mind that this request does not meet the requirements for you to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, Account Name : XXXX Account # XXXX, and Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, have violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 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, no 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 a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX numerous times & have gotten unsuccessful results. This company is reporting inaccurate information on my credit report also. The balance is false that they claim I owe. A lot of information they're reporting is false. The account balance was dismissed during the pandemic for insurance reasons that the collection company refuse to disclose to me. They also told me that they couldn't give me any information because they no longer have the account. XXXX XXXX told me that the account was sold to a law firm in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This number is non-reachable & I have no good contact for this company. XXXX XXXX is the ONLY collection listed on my credit report for this debt, NOT XXXX XXXX XXXX. This is illegal!!! This company is violating my consumer rights because they are reporting false information to the credit bureau on an account they claim they no longer have. Please DELETE this deceiving information/account from my credit report.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : 1. XXXX XXXX ACCOUNT # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I traded in My XXXX XXXX XXXX and it was paid off. Currently of my XXXX credit Report it is showing the Balance of {$12000.00} and the last date reported is XX/XX/XXXX. Also it is currently showing past due and I have not made a payment since XXXX which is incorrect. I never missed a payment and it was paid in full on XX/XX/XXXX. Please see attach letter
Product: Credit reporting, credit repair services, or other personal consumer reports

i would like for the fraudulent accounts to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$2600.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX  XXXX Balance : {$820.00} XXXX XXXX Balance : {$8900.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have already filed a complaint with the XXXX credit bureaus regarding inaccurate data on my credit report. The agencies did not respond to my complaint and accused me of using a third party to send the complaint. I want to clarify that I sent the complaint myself. Attached are my letters, along with my ID and FTC report.
Product: Mortgage

We wish to bring to your attention an issue regarding our mortgage account with Freedom Mortgage. Despite our consistent history of timely payments over the past seven years, there have been inaccuracies in their reporting, resulting in erroneous claims of delinquency on our part. 

Specifically, we have observed discrepancies where our account has been reported as behind by 30 and even 90 days, which we firmly believe to be unjust and unsubstantiated. Upon attempting to address these concerns with Freedom Mortgage, we received a generic response lacking in specificity or resolution. 

We are deeply concerned about the potential impact of these inaccuracies on our credit profile and overall financial well-being. Moreover, we suspect that such practices may be indicative of broader issues within Freedom Mortgage, potentially harming other consumers as well. 

We respectfully request that your agency investigate this matter thoroughly, including an examination of Freedom Mortgage 's reporting practices and adherence to fair credit reporting standards. It is our hope that through your intervention, we can rectify these inaccuracies and prevent similar occurrences for other consumers in the future. 

We have documentation proving our on time payments. They can not substantiate delay in payments for the time periods claimed. We require immediate removal of these erroneous claims. 

Thank you for your attention to this matter.
Product: Vehicle loan or lease

My lease was up with GM Financial on my XXXX XXXX in XXXX of XXXX. At that point, COVID was at the height. You couldnt get a new car and I was an essential employee so I needed a vehicle because I had to go to and from work every day. They were sending out email, which I have copies of, that were offering extensions due to COVID. Basically it was on a month by month basis. During the time, I was paying the lease in full. I wasnt deferring the payments or anything. I was paying to use the car because I needed to use it. 

Fast forward to XXXX of XXXX. I finally was able to go get a new lease and turn the old one in. About 3 months later in XXXX I believe, I got a letter saying I owed money because I went over the allowed miles. When I called to dispute this I was told while my lease was extended, the miles were not. The person told me you have to separately ask to extend the miles. I explained why I needed the miles and couldnt understand why I would extend a lease without extend the miles. Why would I pay $ XXXX a month to let something sit in my driveway? They said that didnt matter. I was also told this was only waived for Doctors and Nurses which was insulting because I run a business that was just as essential during the pandemic and worked pretty much 7 days a week for 3 months. I was transferred to a supervisor who said nothing I can say will change this and I owe them the money. There is no way they are waiving the fees. 

I am now having issues with my credit and XXXX the problems is this bill. When I called them today, the woman on the phone wouldnt budge again. Claimed I " assumed '' wrong to think the miles would be extended with the lease. I asked if there was anywhere it said the miles dont get extended and she wouldnt answer. Just kept telling me I assumed wrong. Im pretty sure no one would think that in extending a lease, which INCLUDES miles each month, that those wouldnt be a part of it. I have emails they sent out where they offer to extend leases with no problem and nowhere in the email is it mentioned that the miles are not a part of it. I think its sneaky and shady of them to not mention that because I think most people wouldnt even think of it. 

I reached out to a lawyer today and it was recommended I send a complaint to CFPB. Ive attached the two Emails they sent at the start of COVID. Youll notice they gladly offer to extend the lease but nowhere do they mention you have to extend the miles.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Dispute of Collection Account Account Number : XXXX Creditor : XXXX XXXX Dear CFPB, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am requesting verification of this debt, as well as the specific legal basis for this entry. 

After reviewing my records, I found no written agreement or signed contract with lvnv funding authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be 100 % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting that XXXX XXXX provide all supporting documentation, including the original agreement and proof of validation, within 30 days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law. 

This inaccurate reporting is adversely affecting my credit score and financial standing. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the 30-day period, as required by law. 

Should the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

XXXX XXXX ( last XXXX of XXXX XXXX ) XX/XX/XXXX To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXX XXXX XXXX Date Of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Of Inquiry XX/XX/XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date Of Inquiry XX/XX/XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan has been canceled and closed. My payment history has not been removed from my credit report. My report is still showing late payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Equifax for reinserting an collection account back on to my credit file after removing it around XX/XX/2021, The account is from XXXX XXXX XXXX acct. # XXXX a collection agency. Equifax has reinserted the account under other same amount {$300.00} just different section or category of my credit report. This is negatively impacting my credit it is unfair practice. Please help me to have Equifax to delete this account once again from my credit file.
Product: Debt collection

Please help me remove this collection as I do not have any contract with the collector reporting to my credit. Secondly they arent able to provide me the original contract nor give me information since its not my account. Please help me get This removed as I am a young XXXX trying to grow and my Credit is stopping me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and after that date until XXXX XXXX an unknown XXXX XXXX  got hold of my credit and debit cards while I was in XXXX XXXX  and illegally used them. I found out ID Theft was done to me when fully released from XXXX XXXX  on XX/XX/XXXX. I was called by debt collectors of my credit card accounts that had been used when in XXXX and started police case on XX/XX/XXXX. I started disputes with XXXX XXXX XXXX debt agency and 2 cases were closed. However, on my credit report some accounts make me look delinquent because unknown XXXX XXXX had used my credit cards after I had gotten XXXX making it look like if I had authorized him/her to do so. I contacted a consumer 's affair attorney who gave me your link to start a complaint while waiting for my police report.
Product: Payday loan, title loan, personal loan, or advance loan

Happily a gird customer for many years, in XX/XX/XXXX I received an advance that they failed to collect on, successfully charged me for it in XXXX but continued charging subscription fees from XXXX XXXX XXXX. Upon successful repayment in XXXX I was cleared for a new advance, applied and processed XX/XX/XXXX, never received it so I reached out, was informed that I was now disqualified from using premium features I was already paying subscription fees. When asked for a refund the rep said he can help me deactivate my account which I accepted, he said I wont be charged any more fees. Today XX/XX/XXXXXXXX  I was charged a subscription fee again from Grid and was given a repayment day of today for an advance I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my credit report as well as a fraudulent account.
Product: Credit reporting

For XXXX Bank - I never entered into a payment arrangement with them. They are falsifying the date of last activity in order to prolong the time this item is on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b  ). 


1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a credit limit of {$3000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Validate inaccurate reporting late payments. Please remove inaccurate reported late payments. Update to paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Student loan company called XXXX is reporting an amount and late payments on an account that is closed and has been charged off. They are reporting to different amounts I only had loans with XXXX XXXX and they loans were federal loans and not private loans the first amount is {$71000.00} and the second amount is {$79000.00}. Also they are reporting to the CB every month as late and it's effecting my credit score in a huge way, which can effect my employment. I've already placed an dispute with the CB. As well. I would like to have this account deleted off my account because I do not owe this amount of money with them.Also the late payments removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 Balance Owed XXXX {$1600.00} XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} ; XXXX XXXXXXXX Balance Owed : {$65.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/2022