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

This is my FURTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX CT XXXX, NC XXXX ; XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$1000.00}.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, at XXXX a.m., my representation contacted CKS Financial via Velocity InvestmenXXXX ( the new company that held my debt collection account ). My representation negotiated a settlement for a pay for delete. Velocity Investment told my representation that it will take approximately 60 days for this to update on my credit report. This account is still on there. 60 days was on XX/XX/XXXX. On XX/XX/XXXX, my representation contacteXXXX Velocity Investments and they told my attorneys they its still processing. Can you please help with this matter.
Product: Vehicle loan or lease

XX/XX/2022 : Refinanced car loan with XXXX. 
XX/XX/2022 : Received letter from XXXX XXXX XXXX stating the title had not been received from previous lender ( Truist/Suntrust ). 
Attempted to telephone Truist/Suntrust . Could not reach a representative after an hour on the phone.

Attempted to log into my Suntrust account to use chat feature. Could not log into account. 
Attempted to establish a Truist account. Could not establish an account.
Product: Credit card

I was issued a credit card from XXXX with a credit limit of {$870.00}. I made a couple of purchases that may have totaled to {$250.00} at most. I discovered that there were multiple puchases made with the card in various locations like California, Mississippi, and another location ( I can't remember ). The purchases were made close together, so locigally, I couldn't be in all those places at the same/similar times, seeing I live in Tennessee. I don't think I should be liable for purchases I did not make, nor the interest that was accured. I have been served with a lawsuit from the credit card company for XXXX. I made a fraud claim with XXXX but was not given any infromation or any resolution from XXXX. All communications stopped on their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I mailed a certified dispute to Transunion, XXXX, XXXX concerning the XXXX XXXX XXXX/XXXX accounts reporting a series of late payments inaccurately. I requested the documents they had in their file at the time is sent letter to verify the late payments against my records and was sent a response the accounts were verified but no documentation. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late ... It is impossible for my account be current one month and report 90 days late the following month.
Product: Credit reporting or other personal consumer reports

i am listing XXXX fraudulent inquiris from my XXXX and Equifax credit report ; XXXX XX/XX/XXXX24, XXXX XXXX  XXXX XX/XX/XXXX24 XXXX XXXX XXXX XX/XX/XXXX24 XXXX XXXX XXXX XX/XX/XXXX24, XXXX XXXX XXXX XXXX/XXXX/24 XXXX XXXX XX/XX/XXXX24, XXXX  XX/XX/XXXX/24, XXXX XX/XX/XXXX2024, XXXX XXXX XXXX XX/XX/XXXX/24, XXXX XXXX XX/XX/XXXX24, XXXX XXXX XX/XX/XXXX/24 this inquires do not belong to me and need to be removed from my XXXX and Equifax credit report. i called all creditors and XXXX, Equifax and was advised to fill identity theft report for deletion. i am requesting XXXX And Equifax to mark above mentioned inquires as fraudulent and delete them from my name and credit report.
Product: Credit card

Before XX/XX/year>, I transferred XXXX points from my Citi XXXX credit card to my other Citi XXXX credit card. 

On XX/XX/year>, I then chatted with customer service to change the Citi XXXX card to a Costco Anywhere card. 

On XX/XX/year>, I chatted to change the second Citi XXXX card to a Citi Rewards+ card. 

Recently, the transferred XXXX points completely disappeared from my account. These points are valued by Citi as at least {$830.00} in cash, and more when redeemed on their travel portal. 

I contacted Citi customer service and they informed me that the XXXX points expired because I cancelled the original Citi XXXX card. This is clearly incorrect, as I transferred my points beforehand, and then product changed it ( so I still have an open account ). 

Furthermore, I never received any warning or notice that this was possible, because no consumer in their right mind would let hundreds of dollars of points expire. The Citi rewards portal did NOT show me any notice either. 

Additionally, even after the points disappeared, there was no trace of their existence on my portal, as if to intentionally deceive the consumer. Lastly, this practice of expiring points is unlike the standard practice of all other credit card issuers. XXXX XXXX pools all membership rewards across all cards, and XXXX does not expire transferred points. 

No consumer would anticipate this deceptive practice, and no bank should be able to remove {$830.00} worth of points without recourse or reimbursement. 

I request that Citi reinstate my missing points, because this practice is deceptive, poorly labeled, and unfair to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I'm am reporting a account that has brought me much pain and suffering and it has crippled my ability to get credit and making me appear irresposible. The company XXXX XXXX claims that I have not payed them for three months but I have extremely compliant. On for the past three months I have provided my banking information and gotten conformations that they recieved payment only to get letter stating that the payment didn't go through resulting in a late being placed on my credit. They informed my that my bank did allow payment and was retuned do to insufficient funds. And this is just not the case my bank never reported and activity of payment cancelation or any thing of that nature from this company. There is absolutely no such transaction in my bank records, which means that the negligence is completely on there end and not mine. I HAVE BEEN COMPLETELY COMPLIANT!!!
Product: Checking or savings account

I would like to know why  XXXX   XXXX  is still employed at wells fargo. It was proven she lied about me harassing her in the   XXXX   XXXX   location  XXXX   XXXX . And she keeps on having her family members harass my son and spread false accusations about him and me.  XXXX   XXXX  has never been able to stop harassing me and my son, she keeps coming around us even though she do n't live across  the street f rom us anymore. If me and my son harass her so much why is she coming around me. Why does  XXXX   XXXX  keep getting protected and it was bias why wells fargo closed my checking account, because  XXXX   XXXX  influenced them to do so. And how   XXXX   XXXX   sent me a threatening letter tell me I harassed their district  manager. Her  husband  XXXX   XXXX  nearly hit me while I was cutting my grass he when he was backing up in  his drive  way.  XXXX   XXXX  has slandered my name all through wells fargo looked at my personal information and telling it to her family. She wants to keep coming around me and falsely accusing me of harassing her.
Product: Credit card or prepaid card

Hi my name is XXXX XXXX, my issue is Bank of America prepaid claims is denying my disputes, I have filed a police report and have a written statement and I have faxed over to them not once but twice and they say they havent received it and so my claims keep getting denied I was givin the wrong fax information not once but three times I have bin given bunk information multiple times I have all the proof I have the fax cover sheet from a Bank of America branch, I feel like this is done on purpose because they denied the claims again I refuse to be victim to this I have all the paper work to prove that Bank of America is being wrong
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consumer report. I was shocked to learn that I have been a victim of identity theft. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A and 15 USC 1681q. You have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability. I found numerous accounts on my consumer report that were not open by me. Addition to this I have not given any consumer reporting agency written permission to put anything on my consumer report. The law states per XXXX XXXX XXXX Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Therefore, these accounts should not be reported on my consumer report. This has also caused infringement of my right to privacy for advertising this alleged debt that I do not owe nor have an agreement and/or personal responsibility contract with on my consumer report. This has been hurting me and causing my XXXX XXXX to be disturbed with severe harm and extreme anxiety, as I am in the process of buying a home for my family. It is also unlawful for the advertisement of any debt to coerce payment per XXXX XXXX XXXX XXXX Harassment or abuse. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I would like to file a complaint against all three credit bureaus. On XX/XX/2021, I completed an inquiry dispute with all XXXX credit bureaus, with no responses. On XX/XX/2021 I sent a second letter requesting another investigation after no responses from neither credit bureau. Today, is XX/XX/2021 and I have received no response again. The bureaus are in violation of my rights as a consumer based on the FCRA guidelines
Product: Credit card or prepaid card

In a letter dated XX/XX/2018, I was informed by Capital One that they had changed my credit limit from {$20000.00} to {$10000.00}. The specific reasons for this change were : Current account not used enough for assigned credit limit and Balance on non-Capital One revolving trade are too low. I was not given a contact to reach to dispute what they had done, but I was informed that if I had any questions about the effect on my credit score they encouraged me to consult XXXX  at  capitalone.com I was totally unaware that I was required to use my credit card at any particular balance amount to keep my current limit or that I was required to carry debit balances of any particular amount with non-Capital one revolving trade to maintain my {$20000.00} credit limit. 

My XXXXedit score as of XX/XX/XXXX, was XXXX. I am fully aware that a 50 % drop in my credit limit will negatively impact my score. What other credit card company or lender will want my business with this kind of drop reported on my credit record? Am I now at the mercy of Capital One and this non-negotiable decision? 

Consumers are repeatedly told to stay well below the limit on their credit cards and to pay off balances monthly. I had no idea I would be penalized for doing this. Capital One, of course, did not mention a reduction in the current interest rate they are charging me-just a drop in the limit. Is there some finite amount that they draw from? Are they giving the {$10000.00} credit limit they took away from me to someone else? 

I have no way of predicting the future, but I did not ask them to drop my credit limit by 50 %. What negative impact does my having this limit have on their business? It gave me piece of mind to know that it was there should I need it. After 20+ years of having a Capital One card to be treated in this manner seems totally arbitrary. I have no idea if such a practice is legal ; that is why I am coming to you. I do know the public needs to be told in a straight-forward manner that staying below their limit and paying off balances in a timely manner will negatively impact their credit score.
Product: Debt collection

This company has not been mines and I filed a victim of identity theft and the credit bureau never showed proof that this was my debt and when I called the company they claim they dont show a record of this at all but some how they are still reporting me as late on an account thats saying its been closed and charged off! I am in the process of closing on my house and the company Fortiva keeps updating my report showing Im late. I have no idea why this matter has not been removed when its clearly not my debt. I am a military veteran who in that year was not even in the country. Its showing on my report opened XXXX XXXX. Its showing closed XXXX XXXX in the amount of {$5300.00} XXXX/FORTIVA. I just got a update on my report showing late for XX/XX/2020. I cant be late on a closed account thats not even mines. I have called this company and they said we dont show we have this account. Then they claim they sold the account to a 3rd party debt collection company and those company stated we dont have your name or that account.
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 {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
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 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 ) -- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. U S DEPT OF ED/XXXX/XXXXL with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card

I had a open account on my credit report for " Citi CBNA '' and it says it is still open and the credit limit is {$2000.00} and in good standing but I do not ever remember applying for this credit line!
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX  AND XXXX  ALLOW THE COLLECTION ACCOUNT WITH XXXX  XXXX  TO LEAVE INFORMATION BLANK AND INCOMPLETE. EXPERIAN, XXXX  AND XXXX  MUST REQUIRE ALL COMPANIES TO COMPLETELY FILL OUT ALL INFORMATION BLOCKS. IT DOES NOT HAVE ANY STATUS LISTED IT IS BLANK! EXPERIAN XXXX  AND XXXX  PURPOSELY ALLOWS XXXX XXXX TO LEAVE THE STATUS BLOCK BLANK. THE ACCOUNT IS CLOSED ACCORDING TO FEDERAL AND MARYLAND STATE LAW. THE ACCOUNT IS OVER 3 YEARS PAST STATUE OF LIMITATIONS IN THE STATE OF MARYLAND AND MUST BE LEGALLY POSTED AS CLOSED. THERE IS NO LEGAL OR LAWFUL WAY TO COLLECT ANYTHING. THE DATE OF FIRST DELINQUENCY IS OVER 3 YEARS OLD. EXPERIAN XXXX, AND XXXX ARE N VIOLATION OF FEDERAL LAW AND MARYLAND STATE LAW. THERE IS NO LAWFUL OR LEGAL RECOURSE OTHER THAN TO BE LISTED AS CLOSED! I SENT XXXX XXXX A CEASE AND DESIST THEY CAN NOT CONTACT ME IN ANY FORM SHAPE OR FASHION! THE STATUS ALSO CHANGES EVERY OTHER MONTH FROM CLOSED TO OPEN TO BLANK! ONCE I FILE A DESPUTE ITS LISTED AS CLOSED THEN THE NEXT MONTH IT MYSTERIOUSLY OPENS AGAIN! XXXX XXXX HAS A PREDATORY BUSINESS MODEL AND THE CREDIT REPORTING AGENCIES ARE EMPOWERING THEM!
Product: Mortgage

My mortgage was sold to Carrington Mortgage Services by XXXX back in XXXX of 2015. Until that point I had always been on time with my mortgage payments. In XXXX of 2015 I became late on my payment after I made the payment on line but XXXX the account number by XXXX digit so the payment did not go through. I did not realize my error and evidently neither did Carrington because I did not get notified by them for more than 30 days and then my notification came by US Mail, not a courtesy email or phone call, although they had my email and phone number, but they used snail mail. By then I was over 30 days late so a credit report entry was made. To compound matters, they then took my XXXX payment which had been made during the waiting time and applied it to XXXX without telling me that is what they did, and subsequently my XXXX payment became over 30 days late of which I was also not notified in a timely manner, another credit report entry. No phone call, no email, just another XXXX Mail letter, way after I could do anything about it. I finally found out about the XXXX payment so I quickly reauthorized it on line to stop the cascading of late payments. The company has been absolutely un-caring about the situation and unwilling to work with me on it, even though I had obligated all of the money necessary to make all the payments on time and only by a random keystroke mistake was I even late in making the first payment. They also refuse to acknowledge that they share at least part of the responsibility since they took so long to notify me that my payment was late. I am searching for the correct state and federal agencies to work through to ensure this company gets the attention it deserves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed to update my credit report because I found several items that are not accurate My name is XXXX XXXX XXXX please remove any other variations of my name. My employer is XXXX XXXX XXXX ( XXXX ) I found addresses that do not belong to me on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have included my ID ans SS info for proof of address.
Product: Credit reporting or other personal consumer reports

I am filling an complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation,.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

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

I XXXX XXXX am disputing this on my own without any third parties. Transunion is in violations of the Fair credit reporting act see attachment.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX Account opened : {$790.00} XXXX owed : XX/XX/XXXX XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$440.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$740.00} 4. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$470.00} 5. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$400.00} 6. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$2900.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : Discover Financial XXXX Account Opened : XX/XX/XXXX Account name : XXXX  Credit Account Opened : XX/XX/XXXX Account name : XXXX Sephhov Account Opened : XX/XX/XXXX