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

Dear Sir Madam, On  XXXX   XXXX   2017 , I submitted a complaint to you about Experian reporting agency, they replied to me online that the public record is going to remain on my report, Just to let you know, I disputed that public record with the other  XXXX  reporting agencies  XXXX  and  XXXX , both have deleted the public record from my reports. Experian kept the public record on my report, although it 's false. Should Experian keep that info on my report, I will have no other alternative but to have a massive lawsuit against Experian. Currently I am in contact with  XXXX  NJ Bankruptcy court and my Attorney to process the lawsuit against Experian should they not delete the wrong information from my report. Experian answer is always the same without regard or consideration to any consumer what so ever.
Product: Student loan

My private student loans through   XXXX   XXXX   charge wildly different interest charges each month. I have been paying the loans for over 3 years now and have barely made a dent in the principal ( about {$1500.00} over 3 years. ) I have car payment and mortgages where the principal balance actually decreases at a great rate than these loans.
My monthly payments are {$220.00} a month On  XX/XX/XXXX  I paid {$170.00} in interest and {$43.00} towards the principal The next month I paid 1 day later on XX/XX/XXXX  and paid {$180.00} in interest and {$43.00} towards the principal. 1 day difference in payment makes that wild of a difference in interest??
On  XX/XX/XXXX  I paid {$150.00} in interest and {$68.00} in principal The next month I paid on the SAME exact day and still ended up paying greater interest  XX/XX/XXXX  {$170.00} went towards interest and {$52.00} towards principal.
These are predatory loans and the company will not send me proof of my signed Master Promissory Note showing that these are in fact my original loans. I will not be making additional payments on these loans until they can prove that everything is correct on my account. I will be disputing this fraud on my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent  XXXX  certified letters to each reporting credit bureau agency  XXXX ,  XXXX , and Experian on  XXXX  separate occasions to dispute an inaccurate  Public Record  being reported on my credit report. I have been totally unsuccessful in having this inaccurate  Public Record in formation removed from my reports. Every written/certified request to have the item removed comes back with the explanation the item has been verified and/or verified as accurate. If this is the case, why not supply me with the proof as requested in my letters? Because they can not. I feel my RIGHTS as a consumer have been Violated. This inaccurate  Public Record is  making it difficult for me to obtain the proper credit, decent interest rates, approval for housing, etc ... As a consumer, I have the right to have my credit report accurate information without error. I am asking for your assistance to have this  Public Record r emoved from all  XXXX  of the credit bureau reporting agencies.
Product: Credit card or prepaid card

I received a {$99.00} card fee on my XXXX statement so I paid the outstanding balance of {$8500.00}. This amount was paid on XX/XX/20. I then contacted Alliant and told them I wanted to cancel the card because of the fee and asked that the remaining rewards of {$120.00} to be paid since the card was paid in full. I was then informed that if I cancel the card and don't pay the {$99.00} fee, that they would not pay me the earned reward use credit of {$120.00}. I escalated the matter to another supervisor, but was told that if I cancelled, I would forfeit the outstanding reward amount. I have been an active user of the card over the past year and always paid each month in full. This last month was no exception. It seems very deceptive and unfair that they would force me to renew a card that I don't want in order to receive the reward credit that I have earned. Attached you will see where I had the {$99.00} fee and then they refunded it but said I do not get the reward, so I told them to keep the card active until we could resolve this issue. That is why you see the {$99.00} fee twice. Any assistance in resolving this matter would be very appreciated.
Product: Credit card

I had a credit card from BMO Harris ( https : //www.bmo.com/ ). Used it regularly no issues ever. 

Suddenly they decided to close the account citing BMO Harris right to do so without any prior notice or explanation. 

I called the credit card line and they explained to me that they will not send a letter with an explanation for the closure. 

At the moment I had a balance of {$2.00} on my account. Since the account was going to be closed, I submitted a payment for that amount, it was owed and it's the right thing to do. 

At that moment I also had a rewards balance of {$1.00}, but during the call I was told I WAS NOT GON NA GET THAT MONEY. Basically, BMO Harris decided to STEAL the rewards I earned. The amount I already have, plus the amount I would have earned from my latest payments. Gone.
Product: Credit reporting or other personal consumer reports

My name and current address are incorrect on my Equifax credit report. I filed 3 disputes with Equifax between XX/XX/XXXX and XX/XX/XXXX. With each dispute, I verified my identity and provided proof of my current name and address. I spoke to an Equifax representative on the phone for my most recent dispute on XX/XX/XXXX, who confirmed that both my name and address would be updated. Today, XX/XX/XXXX, I opened a letter from Equifax, which was sent to the wrong address with the same incorrect name on it. The letter states that I need to submit identification, which I have already done 3 times. I am also required to submit proof of current address, for the incorrect address, which I obviously do not have since I don't live there. There are no other options for me to resolve this dispute and no additional contact information for Equifax.
Product: Credit reporting or other personal consumer reports

I did not consent to these inquiries and strongly suspect they are fraudulent. I request a comprehensive investigation and swift removal from my credit report.
Product: Credit card or prepaid card

A Discover card was fraudulently opened in my name. Account date opened in XXXX. The bill was sent to another address or post office box number that I was not aware of. The credit limit was {$17000.00} from XX/XX/XXXX to XX/XX/XXXX. The account was closed on XX/XX/XXXX. The high balance was {$15000.00} from XX/XX/XXXX to XX/XX/XXXX. I received a summons today and was made aware of the account. Presently I am disputing it and reporting fraudulent activity. Also, freezing my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance closed my loan account in 2017, sold it to XXXX XXXX XXXX and still reporting a balance and negative remarks. The car was VOLUNTARY surrendered, and re sold. This is illegal and against the FCRA to sell a debt, try to collect again, and report it as negative under Credit acceptance when they don't own the account, XXXX XXXX XXXX does. They have ignored letters and requests to remove this off my report and stop with their illegal process of selling a debt to a collector I have no contract with.
Product: Debt collection

Told Meade and Associate several months ago not to call me just to send debt information in the mail. 
They called me today from this number. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My sister and I have a home mortgage with XXXX XXXX issued XXXX of XXXX. In XX/XX/XXXX we had a business fail and we declared a Chapter XXXX bankruptcy but did not include the home mortgage. We did not realize until we tried to refinance in XX/XX/XXXX that XXXX XXXX never reported on my sister 's credit that she had a home loan and that in XXXX of XXXX XXXX XXXX stopped reporting on my credit and stated our loan was terminated. ( lesson learned check your credit at least once a year ). the institution i was trying to refinance with to use my VA thought i was committing fraud but all this came up after i paid for the appraisal and paid for a lock on the rate. ( about {$800.00} total ). In XX/XX/XXXX we contacted XXXX XXXX to try to straighten the mess out because financing VA and having an FHA loan triggered a CAVIRS flag with FHA because of the " terminated '' on my credit. Yet the entire time XXXX XXXX sent monthly statements and we continued to pay the house payment on time monthly. We requested as did our refinance lender, the payment history and to straighten out the reporting. This was in XXXX and now in XX/XX/XXXX XXXX XXXX still needs more time to provide a payment history and correct the reporting. As a result we had to withdraw the loan application and now we are out the {$800.00} we spent trying to refinance. We have talked to many levels of Customer service.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am unable to access my free credit report from Equifax either directly through the portal or from " XXXX. '' I need access to this report to ensure that my data and credit is consistent across all of the credit bureaus. Their two-factor authentication codes, sent to my mobile device, did not work, and then when I tried again I received a generic " we are unable to process your request at this time, '' which is ridiculous given that the other websites were able to help me without issue. 

I need access to my Equifax credit report to ensure that all of my information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

my wallet was lost with all of my personal information in it and never found and now I have accounts on my credit report I never applied for, also some inquires, I need them to be remove immediately XXXX XXXX XXXX XXXX ( closed account ) XXXX TRANSUNION XXXX inquire ) XXXX  XXXX XXXX XXXXTRANSUNION ( XXXX ) XXXX  ( Hotel and travel ) - TRANSUNION ( inquire )
Product: Credit reporting, credit repair services, or other personal consumer reports

Global Lending Servi obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.
Product: Checking or savings account

I am XXXX and a victim of bank fraud. A fraud check was cashed in the amount of {$6700.00} to my account. i am seeking reimbursement due to pending bills. I have waited month now for reimbursement and still nothing!!! I have contacted XXXXXXXX XXXX  claims unit at ( XXXX ) XXXX and my case is always pending with no movement. They said the fraud check was cashed at Bank of America. I need my funds returned so i can cover my bills as i am on fixed income. Please contact both institutions to expediate this issue. I need both banking institutions XXXX XXXX and Bank of America to communicate with each other to solve this problem and issue a refund of {$6700.00} to my account. I have accounts at Bank of America that can be credited also. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not my address i never lived their i corrected this with XXXX XXXX  they said they mail something in to experian to fix it XXXX is not my address XXXX is not my address
Product: Credit card or prepaid card

Have been having major issues with Citi Bank with my credit card since XXXX of 2022. They recently closed my account due to XXXX payment being returned. When asking how do I dispute it they stated to me that I needed to wait for the closure letter in the mail, I stated that I had moved from CA to AZ so can we update my address and resend the letter they stated I need to wait for the letter to be forwarded. That they cant update my name to my married last name nor my address since the account has been closed. Finally I got the letter between XXXX XXXX about the account closure. I went ahead and did what the supervisor told me to do and mail back the letter with my supporting documentation that shows the bank account was still open in which I did the same day I got the account closure letter. On XX/XX/XXXX I called to see if they had received the letter since It had been XXXX weeks and I still hadnt heard anything from CitiBank via, Phone, email or mail. When I called in the representative stated they received the letter on the XXXX the same day I called in and that it will take them a couple of days to review it. I called back on XX/XX/XXXX to see if theyve come to a decision. When speaking to a representative she told me sir you need to wait XXXX calendar days for us to make a decision I told her well you guys got the letter on the XXXX so whats the decision? She then stated that I should have a decision within the next couple of days. XXXX to XX/XX/XXXX I got an email stated they are keeping the account closed since its been to long since the accounts been closed that I had 60 days for the appeal process. I called and talked to a supervisor and they said theres nothing they can do even though I turned in the documentation within the 60 days and theyre the ones who went out of there on 60 day statuette.
Product: Vehicle loan or lease

For the dates listed XXXX, and XX/XX/XXXX, I sent a request to have late payments removed for the following dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX due to me being in a natural disaster ( Hurricane XXXX ) and the Pandemic ( Covid 19 ). Capital one has refused to add a natural disaster code so that the late payments do not affect me negatively. I have also requested that the late payments be removed being that I made all my payment on time up until I was affect by the natural disaster and the pandemic. I received no notices from Capital one auto loans on a plan they had in place for consumer affected. I would like for Capital One to remove these late payments and provide proof that I was notified of the late payments in a timely manner to avoid the late payment being reported to the three major credit bureaus ( XXXX XXXX XXXX ). I am also requesting that these late payments be removed within 30-45 under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a Tv last XXXX and used there in house XXXX XXXX XXXX. I made multiple payments every month and never missed one payment. I paid the Tv off early and when I looked at my credit score they reported I never made any payments and I have been late on my payments for over 9 months now harshly effecting my credit score. I called them and they said they would be in touch but never called me back or tried to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian for starters says they havent reviewed any disputes on the items Ive been disputing for the past 7 months, they said that they have not received a dispute from me since XX/XX/2023 which I myself have filed 4 times myself since then and also with a credit repair agency called XXXX XXXX which I had them file with all three bureaus which was well after XX/XX/2023. The creditors that Ive been disputing were for accounts I had during the COVID 19 pandemic, those disputed items reported charged off in the midst of State and Government closures here in California which I had a loss of my UI benefits due to no fault of my own and took two years to have my appeal hearing which was in XXXX on the XXXX XXXX XXXX XXXX which I won but the CA EDD refused to honor the judges decisions on my case and said they couldnt pay me what I was supposed to receive after winning the appeal due to the EDD was out of pandemic federal money and couldnt pay me our what I was owed and refused to pay me all the money that took as overpayments. I also had paid those creditors I have been disputing for their own credit protection services which the creditors are not honoring as well as the cares act credit protection and Californias implemented laws for protection for consumers during COVID 19 pandemic as well.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous letter sent on XX/XX/XXXX, regarding unauthorized hard inquiries on my credit report. While XXXX has responded and removed the inquiries, I have yet to receive a response from your office, and the inquiries have not been removed from the other reporting agencies. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit reporting agencies are required to have permissible purpose for accessing consumer reports, which was not the case in my situation. I kindly request immediate action to delete these unauthorized inquiries. I also have an affidavit confirming the incident for your reference. This situation is stopping me from moving on to buy a house. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Consumer ID # ( XXXX ) Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX account # : XXXX has XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX XXXX bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of XXXX Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non- compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute certain information in my credit file identified during a recent review of my credit report. The details I am disputing are not accurate and reflect inconsistencies that could impact my creditworthiness negatively. Under the Fair Credit Reporting Act, 15 U.S.C. 1681 ( e ) ( b ), I request an investigation into these inaccuracies to ensure my credit report reflects only accurate and verifiable information. 

The specific inaccuracies I am disputing are as follows : Original Lender Name Inconsistency : My credit report lists the original lender as XXXX with Equifax and XXXX but XXXX XXXX XXXX XXXX This discrepancy may lead to confusion or the appearance of multiple debts instead of one. I request that this information be corrected to uniformly reflect the accurate original lender name across all three credit reports. 

XXXX XXXX XXXX : The collection agency handling my account is listed differently across the three credit bureausthis inconsistency could imply incorrect reporting of the collection account. The correct name of the collection agency should be uniformly reported by all three bureaus. Please investigate and update this information to accurately reflect the collection agency handling this account. 

Status Descriptions Variability : The status of my debt varies significantly across the reports, from Unpaid to Collection account to an extensive description on XXXX. This variation could mislead credit grantors about the true nature of the debt. I request a review and uniform update of the status description to ensure it accurately represents the status of my account. 

Enclosed are copies of documents supporting my position and highlighting the discrepancies for your review. Please note, I am not requesting the information be deleted if it is accurate, but rather that an investigation be conducted to verify its accuracy. 

I understand under the Fair Credit Reporting Act, you have 30 days to complete an investigation of the items I have disputed and to provide me with the results in writing. If the information is found to be inaccurate, the law requires you to correct it or delete it from my file. 

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

Sincerely,