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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

On XXXX XXXX I sent out a letter to XXXX, XXXX, and Experian. However it's been over 30 days and the credit bureaus failed to comply with fixing my credit report despite my attempts to contact them and its being past the 30 day window for resolution. This is preposterous this is really not making any sense. 

According to the law 15 U.S. Code 1681i- Procedure in this case of disputed accuracy. If the completeness or accuracy of any item of information contain in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ), Before the end of 30 - days period beginning on the date on which the agency receives the notice on the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. 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 Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX  ( Original Creditor : XXXX XXXX CO ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$580.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX XXXX XXXX {$140.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these inaccurate address, Inquiries and accounts as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA cancelled my debt and issued a  XXXX  IRS form for which I had to pay taxes on the forgiven amount. Per Internal Revenue Bulletin  XXXX  ( Removal of the  36-month nonpayment Testing  Period Rule ) on  XXXX   XXXX ,  2016 , creditors should not send you a  XXXX  form unless the debt is really canceled, extinguished, forgiven, and gone for good. I have disputed the accuracy of the account balance and past due amount with the credit bureaus asking that they be updated to show a {$0.00} balance and {$0.00} past due. However, the information does not update.
Product: Mortgage

Huntington National Bank of XXXX  Ohio, has informed me that I made payments that were not made when due as required by terms of the loan modification. Even though the statement that I received said I could by a LATE charge if after a date.. In the small print on page 3 - it informed me that the modication amount was due on the XXXX of the month.
Product: Credit card or prepaid card

I opened my XXXX XXXX American Express credit card with a signup offer of spending {$4000.00} to earn XXXX XXXX points. A few days later the offer of XXXX XXXX points for the same exact spend threshold was released to the public. I called XXXX at XXXX on XX/XX/18 and spoke with a representative named XXXX asking if he would honor the newly released offer since it was a matter of days. He said no. I asked to speak with a manager. She also declined saying it was impossible to adjust the balance, but then later on in the conversation she offered to adjust it by XXXX points. So, it is possible. She said she could pass it on to their marketing department for further inquiry, but she won't because they will likely decline it, even though I asked her to do so. This card comes with a {$450.00} annual fee so it's not like I asked for the most basic card. I also did not earn the signup bonus yet, so it is also not like I am asking to retroactively apply a new bonus to an already earned signup amount. I'm still in the process of earning the original signup bonus which had been changed in a matter of days. I believe this is bad business practice to not honor it.
Product: Student loan

On or about XX/XX/XXXX, I reached out to XXXX XXXX  and XXXX XXXX  called XXXX, based on their social media ads I saw on XXXX. After speaking with one of the representative of XXXX, I was made aware that XXXX was a XXXX and cybersecurity training bootcamp that helps people and career professionals transition into XXXX ( XXXX XXXX XXXX  ) and XXXX  opportunities with promises of job employment. The representative of XXXX said the cost of the training was {$30000.00} and financing is done through " Meritize. '' The representative convinced me that the program was worth it as they have a high success rate of job placement. I was made to proceed with getting financing ( a Meritize loan ) of {$30000.00}. However, after starting the program in XXXX of XXXX, I noticed multiple suspicious red flags. First, there were multiple representatives and/or admin members of XXXX I discovered ( through the self-paced online videos ) were former students of the same XXXX XXXX which made me wonder and question the job placement success stories I was told. Second, the training program did not come with covered XXXX  certification vouchers, which meant that training participants still had to cover for certification ( out of pocket ) in addition to financing the training for {$30000.00} through Meritize. Third, it became common to see XXXX representatives through their learning platform share free XXXX and XXXX  information that they obtained from XXXX searches. This particular observation made me question the cost of a XXXX XXXX program at {$30000.00}. Fourth, the XXXX live training session, which appears to be given by real XXXX  XXXX, are live lectures with XXXX and XXXX information that can be found on XXXX and on XXXX searches. Overall, I have been misled by XXXX into financing a {$30000.00} fake XXXX  that is not worth {$30000.00}.
Product: Credit reporting or other personal consumer reports

Citi has violated both the Equal Credit Opportunity Act ( ECOA ) for failing to provide required credit denial information, and has violated the Fair Credit and Reporting Act ( FCRA ) for a failed reasonable investigation and identity theft credit inquiry removal. I am the victim of identity theft, and a fraudster attempted applications with multiple financial institutions on XX/XX/2023. These applications were luckily declined, with other financial institutions confirming the applications triggered their fraud alert systems as identity theft while routing from XXXX XXXX, IL. However, Citi continues to refuse removing their hard inquiry from my credit report in violation of the FCRA. I have requested Citi to confirm why the application was declined but they have failed per ECOA 1002.9. The denial information should inform Citi this was a fraudulent application. 

I have submitted all required information for this matter to be resolved in alignment with all federal regulations, but Citi has failed.
Product: Mortgage

I applied for a Mobile Home Mortgage with 21st Mortgage XXXXXXXX XXXX. I applied for an estimated amount of XXXX. I met all of the requirements that the website advertised along with proper Credit score, and income.. I dont believe that my application was viewed properly because I was denied within minutes after meeting all of the requirements. I also re-applied and was denied immediately ..I called the company for an explanation but they told me i would be receiving a letter. I have not received a letter from 21st Mortgage.
Product: Debt collection

On XX/XX/XXXX, I submitted a certified letter to XXXX XXXX requesting validation of this debt. No response was received from XXXX XXXX, nor did they mark my credit reports as disputed. On XX/XX/XXXX, I sent a letter indicating the following : By not replying in a timely manner to my initial letter on XX/XX/XXXX you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

How can they The item was deleted from my credit report and then reinserted without any notification. 
I have attached a copy of the letters submitted to XXXX XXXX and a screen print of my credit report showing the insertion of this item. Per the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( B ) ( i ) ( ii ) ( iii ) and ( C ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is a SECOND letter I sent to ALL 3 Credit Bureaus regarding a XXXX still being reported on my Credit Report. I filed for a XXXX back in XXXX and the plan was completed 5 yrs later as agreed. Now we are 7yrs since the payback plan, ( 5 yrs ). As of my latest request we are now 12 years since my filing date. XXXX plans once " filed '' are only suppose to be on a Credit Report for XXXX. That means my XXXX should have removed the reporting of " 120days late '' by XXXXXXXX XXXX back in XXXX. Not sure if this constitutes a law suit or not? 


To whom this concerns, This is my second request that you remove my 120 days late from my credit report I am writing this letter in hopes that you will remove the disparaging remark, ( XXXX XXXX 120days late ) on my Credit Report. 
I initially contacted XXXX XXXX requesting that they remove the 120 days late on my Credit Report on XX/XX/XXXX requesting to speak with the XXXX XXXX in reference to Account # ending in XXXX in the amount of {$85000.00}. After several phone transfers within XXXX XXXX I was connected to their XXXX Dept whom I spoke with XXXX, ( sp ) ( Female employee ). After she asked me some verification questions she was able to see the account ending in XXXX for {$85000.00}. I went on to explain my reason for calling, ( to please have XXXX XXXX remove the derogatory remark on all 3 Credit Bureaus that were reporting 120 days late since I had completed my XXXX plan as agreed and that its been 5yrs since I have completed the plan. She stated she would pass on my request and that I would receive a letter as to the decision of my request. 

I then received a letter from XXXX stating that they could not remove the derogatory remark and I would have to contact all 3 Credit Bureaus and request that they remove it. 

Here are some timelines regarding my XXXX filingOn XX/XX/XXXX I filed for XXXX protection. Then on XX/XX/XXXX the plan was confirmed. On XX/XX/XXXX the XXXX was discharged. 

My XXXX only included XXXX XXXX on a Junior lien account ending in **** in the amount of {$85000.00}. During my plan I had paid back in the amount of {$81000.00}. Leaving a write off of a little over {$3000.00}. 

I find it very difficult that Equifax, XXXX XXXX XXXX continue to punish me for the amount of {$3300.00}, ( this is the difference of the {$81000.00} paid back in my XXXX out of the original balance of {$85000.00} ). I had proven my credit worthiness before I filed for XXXX XXXX protection and continue to do so after my discharge. Its now been 12 YEARS since I filed for XXXX protection and 7 yrs since the discharge. 

So, in closing I am writing this letter in the hopes that you will find it in your heart to remove your derogatory remark which states in part 120 days late and end my continued punishment, preventing me from obtaining a Credit score worthy of the best offers in Financing as well as Auto Insurance amongst other credit related opportunities that I have earned the privilege & right to obtain. 

I look forward to your help. 
Sincerely,
Product: Checking or savings account

They let people go in my account without asking me they charge me all overdraft fees all the time..
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account that was on my report pass 7 years and they reduced my credit score by 29 points for the dispute. The creditor is still on my report. I was told by an equifax employee because I initiated the dispute my credit score was reduced. I am getting penalized for challenging items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN continues to refuse to delete an old XXXX XXXX  account opened in XX/XX/XXXX and closed in XX/XX/XXXX. This account was from a divorce dispute with my former spouse and is old, outdated information.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one 30 days late payment reported on an account. I was never been 30 days late payments for Consumer Reporting Agencies as they assumed. They have a vital role and responsability to report Consumer information in safety way, and the best ability with Maximum Accuracy. I have never been on late 30 days payment for the Account " XXXX XXXX XXXX '' with account number " XXXX ''. Please investigate and provide good information that these payments, were late for more 30 days. Otherwise If proof CAN NOT be provided, I request to fix these wrong information payment status be moved and updated to " ON TIME '' status as they should be. Thanks
Product: Credit card

At some point between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX transferred their accounts to TD Bank. 

Received XXXX statement on XX/XX/XXXX. My bill is due on the third of every month via automatic payment that I have authorized XXXX to take from my bank each month. After reviewing my statement I noticed I had been charged a late fee of {$29.00} on the date my XXXX payment was due. 

At XXXX XXXX  EST on XX/XX/XXXX, I called the customer service number XXXX and was on hold for 30 minutes. After a 30 minute hold time, I disconnected the call. Afterwards, I submitted the following message on TD
financing website, XXXX, and explained the issue : " I just received my bill with TD financing for the first time and have late fees of {$29.00}. My payments are and were setup for XXXX to take payments from my bank on the due date every month. For the last 10 months the payment has been withdrawn AFTER the due date and I have never been charged a late fee. It is not my fault if TD bank didn't take the money on the date they were supposed to be paid. Please remove the late charges from my account and adjust my credit score accordingly! '' The message still shows as " Pending. '' I attempted to call again at XXXX EST on XX/XX/XXXX, and was left on hold again for another 37 minutes. My mail came that same day, and in it was a past due notice from TD Bank Retail Card Services for XXXX XXXX. I called the number on the letter, ( XXXX ) XXXX. The gentleman that I spoke to was with the collections department and because my account had not been flagged as of yet, there wasn't anything he could do except take a payment or make a payment schedule. He offered to transfer me to another department that could handle the errors on my statement, where I sat for another 30 minutes on hold. About this time is when I decided to research about filing a federal claim.

In looking at my most recent activity on TDFinancing.com, there are currently XXXX declined transactions for {$8.00} on a single day, XX/XX/XXXX. This {$8.00} is to cover XXXX XXXX which is now being threatened to be discontinued due to a payment error. I received a text message on XX/XX/XXXX instructing me to update my payment method or lose my XXXX XXXX XXXX. Again, there has never been an issue with my payment method. I believe I had one late payment in the very beginning with XXXX XXXX still in control and they waived the late fee. From that point on, I allowed XXXX to take the payments when due to avoid another late fee.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 


XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

For purposes of this complaint, I will report only for the year of 2013. 

I was a cardholder and full joint account holder with my ex-wife for Citi Advantage card # XXXX. I was responsible for the debt, the card is reflected on my credit report, Citi provided information on my credit report, payments made to Citi for this card were made directly from my personal checking account to Citi and I have records reflecting thos payments. 

Between XX/XX/XXXX and XX/XX/XXXX Citi collected {$27000.00} from my personal checking account. They refuse to show any charges or provide me with statements. They are saying the primary account holder removed me from the account which reduced me to 3rd party status. I WAS NOT AN AUTHORIZED USER. I WAS A JOINT ACCOUNT HOLDER RESPONSIBLE FOR THE DEBT. The primary account holder was engaged in fraud and will obviously not simply give me evidence that will land her in jail. But Citi was taking money from my account and I can prove it. The balance transfers conducted were made by someone listed as an 'Authorized User ' status that had no responsibility for the debt. I was defrauded by my ex-spouse who was creating debt and conducting large balance transfers on this card. She dropped me off when she filed for divorce and citi is withholding all evidence of the massive fraud perpetrated on their customer, the consumer who was paying the bills! 

The privacy laws cited were designed to protect consumers from unwarranted government intrusion into the private financial records of consumers. They were NOT created for one consumer to hide money stolen from another consumer. Citi is withholding evidence of fraud. I can show they took money from my XXXX checking account - I want to see the debt for which they charged my account or I want a refund right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This bellow I sent to Credit Bureaus via certify mail '' " Account Name : XXXX XXXX Account number : XXXX To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 4 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that this account is inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the item. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and this reasons were not frivolous in any way. '' I did not received any response from Experian and XXXX, only Experian and XXXX keep posting wrong info on my report.
Product: Credit reporting or other personal consumer reports

I previously disputed several fraudulent accounts on my consumer report on XX/XX/ with Equifax, which resulted in Equifax claiming to have verified as belonging to me. I asked for copies of the documents they used in their files to verify the accuracy of these account. They was unable to supply me with any documents verifying this account belongs to me. I also sent a certified letter to The credit card company XXXX XXXX for the XXXX XXXX XXXX which they sent a letter on XX/XX/ stating I was not responsible for charges ( I will attach letter ), but Equifax continues to report this fraudulent account to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

So ACS who is Now operating As Conduent, Has Been Updating my account Fraudently on a loan they no longer service. My loan has been brought out of default status. They can not reflect on my account negatively after default loan rehabilitation. Also They have all incorrect contact information on my credit report you are unable to contact this servicer. This Is Misleading. They don't have any valid contact information. I want to know who is updating my accounts negatively. XXXX point drop from their reporting. This account needs to be removed. 

Information on My report : ( Belongs To ACS Now Conduent ) Phone number doesnt work. No Notification of new contact information. https : //www.conduenteducation.comXXXX US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Never updates payment history. Showing balance when the account has been paid in full. Reports to credit a balance.
Product: Credit card

Chase has failed to report my credit card correctly even though I have disputed the account # XXXX. The debt was included in my chap XXXX bankrupcy. It is illegal to report it as an open account, a collection, or a charge-off. XXXX to the XXXX monitoring report of XXXX XXXX, the account appears as follows : XXXX lists it as open and in collection. 
XXXX lists it as closed but in collection. 
XXXX lists it as closed and a charge-off. 
None of these reports are correct. I disputed it through the XXXX 's and have had no luck. I wrote directly to Chase and had no luck. I have attached my original letter to Chase, Chase 's first response, and Chase 's second response. I have attached screenshots of the relevant portions of the credit report. Chase reports my dispute as closed by consumer. That is incorrect as well. Furthermore, Chase lists XXXX other accounts as charge offs. I asked for those to be corrected, but have received no response. Chase ignored that portion of my letter asking that they tell me which documents or who they contacted to confirm the information. I am entitled to that information under the Fair Debt Reporting Act.