23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We received and letter fro m Citi d  ated   XXXX   XXXX  2017 , s tating the account has been closed, for possible unauthorized use, and a new account number, upon approval. We than receive an invitation letter fr om Citi to re-apply an Citi A/A Advantage st ating that we would receive the mileage with additional  XXXX  mileage, if we spend {$3000.00} within the first three mont h. When I apply for the credit card it on   XXXX   XXXX  2017 , we received an letter from Citi stating the credit privilege are currently restricted. But never stated the account has been declined. As of today, we still have not receive an official response from Citi in reg arding to this matter.
Product: Credit card

XXXX XXXX XXXX called me this morning prior to XXXX XXXX. Threatened to obtain another judgment in XXXX XXXX, TX on behalf of XXXX Bank. I advised the collector that I never had a XXXX Bank account. She said " oh yes you did '' and again threatened to obtain another judgment against me. There is no judgment from XXXX Bank on my credit report and I have never been advised that I had a judgment against me. XXXX can not threaten to obtain another judgment. They can not re-age a debt and they can not threaten to sue on an out of statute account. Yet the collector threatened to do that.
Product: Student loan

Called several times to get income payment driven loan and always forced into forbearance as they presuded me this was the best option. My student loan was $ XXXX and now $ XXXX with the bulk of it forbearance interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Additional information as requested by the bureau. XXXX and Equifax is currently reporting an account that has multiple inaccuracies and violations. 

( XXXX XXXX XXXX XXXX ) Currently reports that account was open in and around XXXX of 2019. However the company does not report last date of activity, last date of payment. Or last date of delinquent. This account appears to be a reaged. A violation of the fcra- Account and must be immediately removed from my credit report.
Product: Student loan

I have requested an updated payment amount since XX/XX/XXXX. In XX/XX/XXXX I  paid off a loan and requested my remaining loan have the same amount taken out each month since you can't customize the payment amount on the website. I called and spoke to a representative and my payment was not updated. When the payment processed on XX/XX/XXXX, it was only half the amount so I emailed them again and received a generic response. On XX/XX/XXXX I finally received a response stating they will update my payment to the amount I requested in writing. XX/XX/XXXX payment on XX/XX/XXXX was the only payment that processed at the correct amount. XX/XX/XXXX it reverted back to a smaller payment. They keep taking out less than I requested and as a result I am accruing more in interest and my estimated payoff is months longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refer to the documents attached to this complaint. It has been more than 30 days and company has failed to verify and/or give any response. As per the FCRA please meet the demands set forth attached to this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate item on my credit report from XXXX XXXX XXXX that does not belong to me. Despite previously disputing this error, no investigation was conducted, and the issue remains unresolved
Product: Credit reporting or other personal consumer reports

I have recently filed a dispute with transunion in regards to a company of company by the name of XXXX XXXX XXXX XXXX, which I have never heard of nor have I ever done any business with this company. This company is saying that a debt of {$640.00} is owed to them by me. In my disputed I state to please provide information solidfying their beliefs that debt is owe by me. I also stated that they need to provide original documentation with wet signatures of agreements. Transunion did not provide any of those requested documents just simply deemed that account as verified. by them not providing the documents that was request which has lead me to believe this investigation was improper and they made an error which is negatively affecting my daily life.
Product: Credit reporting or other personal consumer reports

Enclosed with this letter, please find a copy of Form 1099-C ( XXXX XXXX  ) issued by SYNCHRONY FINANCIAL for the canceled debt associated with the aforementioned account. The canceled debt has been reported to the IRS, and I have retained this form for my tax records. I kindly request that you remove this account from my credit report as it is causing significant harm to my creditworthiness. This negative reporting is particularly detrimental to my ability to acquire housing, as it affects my credit score and financial standing. Per guidelines outlined by the Consumer Financial Protection Bureau ( CFPB ), I am entitled to accurate and fair credit reporting. Given that the debt has been canceled and properly reported to the IRS, its continued presence on my credit report is unwarranted and misleading. I would appreciate your prompt attention to this matter. Please investigate and remove the inaccurate reporting in accordance with the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines. Should you require any further information or documentation regarding this request, please do not hesitate to contact me at XXXX or XXXX. Thank you for your cooperation and assistance in resolving this issue. 

Sincerely, XXXX XXXX Enclosure : Copy of Form 1099-C ( Cancellation of Debt ) - XXXX XXXX
Product: Student loan

I enrolled in the FedLoan loan forgiveness program around XXXX. I have worked in universities since before enrolling in the program. I was recently told that only 40 of my payments count towards the forgiveness program. I was told that no payments from XXXX to now count because they put me on deferment. I did not request a deferment and made all monthly payments as they were due. When I asked why, I was told that my account would be reviewed but that it could take a year or more and if discrepancies are found, the review could be put on hold for as long as they deem necessary while it is corrected. At this point, I should have 100-120 qualifying payments, not 40. Waiting a year or more for a review is unreasonable.
Product: Mortgage

The enclosed Assignment of Mortgage that was recorded and filed on XXXX XXXX, 2010, with the City Register of the XXXX to claim legal ownership was robo signed. Robo-signning has been outlawed in the State of New York. The Assignment of Mortgage was robo-signed by know and admitted robo-signers XXXX XXXX, XXXX XXXX and XXXX XXXX. 
I 'm enclosing supporting evidence of fraud showing XXXX XXXX, XXXX XXXX and XXXX XXXX roles as known robo-signers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Is being reported as late on XXXX but on XXXX its unknown I have never been late and I want it corrected a reporting not late. I was not late paying on XX/XX/XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX
Product: Debt collection

Southwest Credit Systems is reporting on my credit report a debt I never knew I owed. I never received any notices giving me the opportunity to dispute the validity of the debt, which is required by law before inputting a collection on my credit report. They have reported 2 different accounts on my credit report in XX/XX/2019, without giving me the opportunity to dispute. I'm suppose to have 30 days to dispute the validity of the debt and I check my credit report and see that they are reporting the collection on my report which is damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022, I filed a complaint against the credit bureaus credit reporting and improper use of my credit report. The bureaus response to my complaint was that they would " re-investigate my consumer report '' for the accounts that I listed is violating my rights and would respond back within 30-60 days. 

According to the FCRA the term " investigate a consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I have a XXXX entry from Chase Bank stating " suspected fraud '' from 2012. I dispute this claim. I am not able to open checking accounts or receive a debit card from any institution due to this entry.
Product: Debt collection

North American Recovery place a collection account that isnt mine nor did I consent to opening such account. It shows account open on XX/XX/XXXX with an amount owed {$2500.00}. When I reached out to request documentation to show my local police department I was advised I could access virtually. I responded that I could not access virtually because the account does not belong to me and that I believe the company is fraudulent and committing fraud. I requested the mail to me or my police department. I requested this at 4 separate time XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they refuse to send to me or my local police department. So I reached out to XXXX and they stated they would reach out but it doesnt look like anything was done. I still dont have this contract/documentation and they refuse to mail to me or send to my email. I have reason to believe this is fraud and this company is make fraudulent claims that I have a debt owed.
Product: Credit reporting or other personal consumer reports

My information was compromised in a data breach in XXXX  and I wish to have my credit expunged
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive an email at XXXX on XX/XX/XXXX from the company New American Funding stating the following : Hi XXXX, It looks like a mortgage lender checked your credit on XXXX. Remember, you have 14 days after an inquiry to shop around without additional impact to your scores. 


Looking to refinance? 
Based on your XXXX XXXX XXXX XXXX range of XXXX - XXXX and your ZIP code in XXXX, this is our top pick from our partners. 
15-year fixed from XXXX XXXX XXXX  Interest Rate XXXX XXXX XXXX XXXX XXXX  NMLS ID # XXXX Get my quote Then today, XX/XX/XXXX, I receive an email from credit karma stating that I have another hard inquiry on both my credit reports which I did not authorize. I am in the process of refinancing my home and this is going to delay my process. I feel cheated.
Product: Debt collection

GLOBAL RECEIVABLES SOLUTIONS SHOWED UP ON MY XXXX CREDIT REPORT. THIS COMPANY IS ILLEGAL AND CAN NOT LOCATE IT ANYWHERE. ( SEE MY CREDIT REPORT DATED XX/XX/XXXX2015 ) THEY RAN MY CREDIT ON XXXX/XXXX/2015 AND AGAIN ON XXXX/XXXX/2015 AND CALLED AND STATED THEY ARE TAKING OVER WEST ASSET AND GAVE A PHONY NO. XXXX, WHICH I CALLED AND IT WAS XXXX? THIS IS A FRAUDULENT INQUIRIES AND WANT RESTITUTION.
Product: Credit reporting or other personal consumer reports

MY CREDIT PROFILE IS INACCURATE WHICH IS NOT FAIR TO ME. PLAESE INVESTIGATE THIS AND FIX IT. IM REALLY SICK AND TIRED OF THESE XXXX. SHOULD THERE BE ANY UPDATES ON MY INQUIRIES. IM GON NA GO TO COURT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, About a month ago, I received a notification from XXXX XXXX how my scored had changed in the Equifax report. I noticed a collection was added of almost {$200.00}. I looked up the company and have never heard of them. I quickly pulled an Equifax credit report and the collection charge was still there. I reached out to Equifax customer service and a great representative gave me some clarity and also agreed that it may be a mistake. XXXX XXXX ( the Equifax representative ) told me to give him a call in a few days for an update as he began an investigation. Few days later, I call and receive a different representative. They have a lot more trouble pulling up my account. I gave them my full name, DOB, SSN, etc. Nothing was working. After a good 15 minutes of being on the phone, they tell me they a supervisor and places me on hold. I then get disconnected. I want to think they did not hang up on me, but I expected a call back since they did know my phone number. I was never reached. Today ( XX/XX/30 ), I call again. First of all, the representative does not say they are Equifax customer support, so I am already skeptical that I even called the right phone number. The person then says they represent Equifax. This rep is also having issues pulling up my information. Roughly around 15 minutes, they put me on a hold and I get disconnected. This is the second time this has happened so they must be hanging up on people when they are struggling to help a person. Of course I did not receive a call back. I called again shortly after and I ask for XXXX XXXX immediately since he has been extremely helpful since the start. I get transferred and although he also struggled to find me ( he said he had to look me up through the collector ), he never hung up on me. 

So I have two issues at hand here : 1 - Equifax is showing a collections debt from another person. The charge is for the same name but that person has a different date of birth and different address. XXXX XXXX states that an SSN is not even present. XXXX  does not show any of this. 
2 - Equifax customer representatives are hanging up on people. 

Please get in contact with me as I need an update on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am filing this compliant for misleading false reporting information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized accounts and inquiries that have appeared on my credit report. I am a victim of a data breach, and these accounts and inquiries were added to my credit file without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following items from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX  o Balance : {$1000.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX  o Balance : {$890.00} XXXX. XXXX Bank o Account XXXX : XXXX o Date Opened : XX/XX/XXXXXXXX  o Balance : {$1400.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX  o Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX  o Balance : {$1300.00} Unauthorized Inquiry : XXXX. XXXX XXXX o Date of Inquiry : XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/2014 a title loan was taken out in my name, but it wasnt me. They have filed criminal charges against me. I just found out last week. I called XXXX and all the information I. Their system is wrong about me. They wont release my account information to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cnac tx XXXX is reporting that I owe a balance they have already charged off & took the tax break on. Now a company can not take the tax break and still collect ( double dip ) on a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bogus collection accounts listed as other account on XXXX credit report. XXXX and XXXX has deleted these accounts however XXXX hasn't. XXXX says the accounts was verified. 
Portfolio Recovery Associate Acct # XXXX {$1500.00} Acct # XXXX {$2600.00} Portfolio Recovery Associate couldn't provide me with any binding contract or signature. They sent me statements on XX/XX/22 and the cover page says, This communication is from a debt collector but is not an attempt to collect a debt.
Product: Credit reporting or other personal consumer reports

Information was sold on black market because freeze was not put on credit report and my information was compromise.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be 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 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to contact them for over 60 days to investigate some accounts on my credit report. They have failed to respond to my disputes. I have not received no correspondence about disputes at all. The information they are reporting is inaccurate and unverifiable. They are causing me great stress.
Product: Credit reporting or other personal consumer reports

The payment history date being reported on Transunion is incorrect by more than XXXX years. The last payment date for credit card with XXXX XXXX XXXX XXXX XXXX XXXX. I reported to transunion that this should fall off of my account now that it's been XXXX years. I filed a dispute. Transunion investigated the dispute and still reported it as XXXX wich is incorrect. I am filing this report against the XXXX XXXX XXXX XXXX for reporting incorrectly to the credit agencies when the last payment was made.
Product: Credit card or prepaid card

XXXX purchase in XX/XX/XXXX {$980.00}. Item returned in XX/XX/XXXX. Refund delayed with XXXX, I opened dispute with CitiBank Visa. XXXX return was approved yet CitiBank claims no refund was issued by XXXX XXXX XXXX claims refund issued XX/XX/XXXX. I was told by XXXX that the dispute needed to be closed for refund to process. CitiBank records calls so when I requested the dispute to be closed I stated this. I have yet to receive refund - see attachments - XXXX XXXX XXXX  division AtoZ Guarantee states this matter was resolved with credit card company. XXXX Executive Analyst in CitiBank corporate said there is no further action they will take since dispute is closed. This after I spoke XX/XX/XXXX with XXXX CitiBank Billings Investigation I explained XXXX responded to my XXXX  complaint submitted approx XX/XX/XXXX that the item was never returned therefore no refund. Whereas all XXXX communication previous stated refund issued but it must be an issue with my credit card company. What did CitiBank do exactly in the original dispute? I stated the only reason I was requesting dispute to be closed was the instruction from XXXX. Yet I helpless because it requires assistance of CitiBank to resolve the information where XXXX states the matter was resolved with credit card company and other communication that CitiBank " repaid us for this order ''
Product: Debt collection

The debt was foreclosed on XXXX, 2012, and no action was taken for confirmation and approval for an order of confirmation and approval by a judge of superior court pursuant to OCGA 44-14-161 ( a ). There have been numerous debt collection agencies who have taken the debt and each one has been told that there is no legal debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to credit agency and ask them to update my credit file to reflect the correct address and spelling of my name on the account. 

Please remove the following addresses as I do not reside there or ever lived at that address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My correct address that should be listed is XXXX XXXX XXXX XXXX My name is also incorrect on the report please remove the incorrect names : XXXX XXXX XXXX XXXX My name listed should be listed as XXXX XXXX XXXX. 

Current Employer is XXXX XXXX. I have never worked at XXXX XXXX. 

Please update my name and address as this is incorrect and causing an issue when I apply for certain items that require a credit check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX