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

In XXXX, both of my parents became seriously ill and had to be placed into XXXX XXXX. To afford their care, I had to file XXXX XXXX bankruptcy. This was filed in XX/XX/XXXX. I paid back the bankruptcy at 100 % according to the timeline given to me by the court. I was meticulous in paying this back according to the plan! In early XXXX, the bankruptcy was XXXX officially. However, I knew the remarks would stay on my credit report for another 2 years. In early XXXX, all but one of the the derogatory remarks fell off my credit reports since it had passed the seven year reporting mark. However, one did not fall off : XXXX XXXX XXXX XXXX. This remark exists only on my Experian credit report. I reached out to Experian and filed a complaint, but XXXX then extended the post time to 10 years as opposed to 7 years. I reached out to XXXX XXXX twice, and got two different replies. The first agent said he would remove the remark, but when I contacted XXXX XXXX  again a few weeks later, the second agent said that XXXX XXXX would never remove a remark FOR 10 YEARS! As I read through the rules regarding these remarks, I understand that a derogatory remark for a XXXX  XXXX bankruptcy might remain on our credit report for 10 years. However, a derogatory remark for a XXXX  XXXX bankruptcy should be removed after 7 years. Contacting Experian and XXXX XXXX has proven to be useless. They are of no help, so I am now begging you to help me. I was recently turned down for credit due to this one remark. I am asking that XXXX XXXX and Experian Credit remove this derogatory remark from my credit report at this time.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX : Account XXXX : XXXX Account Name : XXXX XXXX XXXX : Account XXXX XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : Original Creditor XXXX XXXX : Account Number : XXXX And lists XXXX XXXX inquiries that don't have XXXX XXXX to be on my credit report XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights to privacy. 

15 U.SC 1681 Section 604 A. States I have rights to privacy.

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

Wells Fargo Bank makes it a standard practice with their online bill pay service to withhold funds from a customer 's account at least 5 days before the payment is to arrive to the payee. This practice applies to payments for which the bank must mail a paper check. It seems that the bank holds the funds from the customer 's account XXXX3 days before the check is actually mailed, thereby giving the bank several days use of the customer 's funds before the bank has to actually honor the check and surrender the funds to the payee. Wells mails these checks in unpostmarked, non-dated envelopes preventing discovery of the date actually mailed as well as the location from which mailed. This seems to be an unfair practice of the bank which needs to be investigated and eliminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DONT KNOW WHO DECIDED TO CALL THIS FAIR CREDIT REPORTING! BUT THIS, EXCUSE MY LANGUAGE, IS XXXX! I WORKED INCREDIBLY HARD AT GETTING MY CREDIT SCORE TO WHERE YOU CREDIT BUREAUS CLAIM IS EXCELLENT! IN XXXX, I PAID OFF XXXX NEAR EVERYTHING! MY CREDIT WAS IMMACULATE! XXXX OF THESE ACCOUNTS, XXXX, I PAID OFF IN FULL {$1500.00}, REQUEST A NEW CARD BECAUSE IT WAS LOST/STOLEN AND THEN THEY DECIDE TO CLOSE IT! I DISPUTED THIS MATTER BECAUSE I NEVER ASKED FOR MY ACCOUNT TO BE CLOSED. XXXX SENT ME SOMETHING SAYING THEY CLOSED IT BECAUSE OF POSSIBLE FRAUD OF A STOLEN CARD??? XXXX??? AND ONLY NOW AM I SEEING THESE RESULTS OF THE DISPUTE! WELL WHAT WAS I SPENDING {$20.00} A MONTH FOR? AND, XXXX SORRY, BUT WHAT THEY REPORTED IS ABSOLUTELY FALSE! AND ON TOP OF THAT, I TOOK A NICE LITTLE HIT ON MY CREDIT SCORE SINCE THAT ACCOUNT MYSTERIOUSLY DISAPPEARED. THIS IS THE BIGGEST LOAD OF XXXX I HAVE EVER HEARD! YOU WANT TO CONTROL PEOPLES LIVES AND WHAT THEY CAN ACQUIRE OR BORROW BASED ON A NUMBER! BUT ITS A FRAUDULENT NUMBER! FROM WHERE I AM STANDING, XXXX IS THE RING LEADER FOR FRAUD! AND THATS WHO IM REPORTING! YOU HAVE NOW LOWERED MY CREDIT SCORE TO A XXXX! ARE YOU KIDDING ME? I PAY OFF AN ACCOUNT I HAD FOR YEARS AND REQUEST A REPLACEMENT CARD AND MY CREDIT TAKES A HIT??? AND I DISPUTE IT AND YOU ARE ACTUALLY GOING TO COME BACK AND TELL ME THE ACCOUNT IS VALID??? REALLY??? I DONT MISS PAYMENTS! I DONT HAVE ANYTHING IN COLLECTIONS! THE ONLY THING I HAVE DONE WRONG IS GO TO SCHOOL AND TAKE OUT LOANS, WHICH ARE ALL IN GOOD STANDING BTW! I PAID OFF ALL MY BILLS AND ACVIUBTS WERE SHUT DOWN! AND, THE LATEST, THE ENTIRE WORLD SUFFERED A PANDEMIC AND I HAD TO REFINANCE AND CONSOLIDATE JUST TO MAKE SURE I HAD A CUSHION AND WAS ABLE TO KEEP A ROOF OVER MY FAMILIES HEAD! AND NOW, BECAUSE OF YOUR FAIR REPORTING STANDARDS, YOU HAVE DROPPED MY CREDIT SO XXXX LOW THAT I CANT EVEN GET THE BANK TO LET ME BORROW A PEN TO SIGN MY NAME! WHO THE XXXX DO YOU THINK YOU ARE??? I AM THE POSTER CHILD OF SOMEONE A CREDITOR WOULD LOVE TO GIVE CREDIT TO! I PREACH TO EVERYONE I KNOW ABOUT HOW IMPORTANT IT IS! BUT REALLY, ITS FRAUD AND ITS A HUGE DEFAMATION OF CHARACTER! I AM FURIOUS! ONE LAST THING, I STUDIED DAY AND NIGHT DURING THE SHUTDOWN! I PAID FOR ONLINE TRAINING TO OBTAIN A FEW CERTIFICATIONS I NEEDED! I WROTE A BEAUTIFUL, AND QUITE ELABORATE, BUSINESS PLAN! I CREATED A BUSINESS MODEL THAT WAS COMPLETELY PAPERLESS! ALL INTEGRATIONS AND AUTOMATIONS WERE IN PLACE! I DONT THINK YOU CAN BEGIN TO IMAGINE HOW TIME, EFFORT AND ENERGY I PUT INTO TRYING TO MAKE MY DREAM A REALITY! ALL I NEEDED WAS A SMALL BUSINESS LOAN! I HAVE PUT THE WORK IN THERE TOO! BUT TO MY SURPRISE, MY CREDIT APPEARS TO BE COMPLETE GARBAGE! AND I WILL GIVE YOU ONE GUESS WHAT HAPPENED WITH MY DREAMS OF STARTING MY COMPANY! I CAN HONESTLY SAY, YOU ARE MAKING A DIFFERENCE IN PEOPLES LIVES! A TERRIBLE DIFFERENCE! OH AND IM DISPUTING YOUR FINDINGS, JUST IN CASE YOU MISSED THAT PART! AND I AM HOING TO DISPUTE EVERY INACCURACY ON MY REPORT UNTIL YOU ACTUALLY DO SOMETHING TO RECTIFY THESE PROBLEMS! THIS IS UNBELIEVABLE!
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXXXXXX - {$2900.00} XXXX XXXX XXXX XXXXXXXX - {$51000.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Hard Inquiry for a request for Credit I DID no authorize from a XXXX XXXX XXXX XXXX on my Equifax credit report, additionally there is NO valid contact information in my credit report to directly dispute with the company that entered the data. ( under FCRA law this should be there. classified as " missing information '' )
Product: Checking or savings account

I am a citi bank credit card client. I logged in and they offered me a bonus to open a checking account. I clicked on the link and signed up for the account and funded it the min {$5000.00} to get the {$250.00} bonus they offered me. 

Mon, XX/XX/XXXX, XXXX XXXX  XXXX, welcome to your Citibank account Hi, XXXX. Your application is approved - thanks for choosing Citi. If you haven't already, make a deposit into your new account so you can start enjoying fast, easy everyday banking. 
I called in XXXX and asked where my bonus was and the rep told me it would come in XXXX. I called in XXXX and they said I needed to call back during the week to get help, but what was my bonus code. 

I called back today and no help again. 
I am told only a dispute can be submitted but with no code no dispute. 
I dont have a code. I clicked on a link on my log in page. 
This is complete fraud and consumer deception! 
This has to be illegal. No one will help me at Citi. 
All I get is where is your code? 
I did not wake up on XXXX  day XXXX and say lets open a citi savings account today. 
Nice way to treat someone that has been a client since XXXX with the bank. 

The world needs to know that Citi Bank is a company that frauds customers of what they promised and does not care or have any way to escalate a mistake on their end.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT HAS VIOLATED MY RIGHTS. 
ACCOUNTS # XXXX. # XXXXXXXX XXXX XXXX XXXX XXXXXXXX-DEPTEDXXXX- {$1300.00} XXXX. # XXXXDEPTEDXXXX- {$1500.00} XXXX. # XXXX-DEPTEDXXXX- {$5000.00} XXXX # XXXXDEPTEDXXXX- {$3500.00} 15 U.S.C 1681Section 602 A State : i Have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its Also State a Consumer Reporting Agency can not furnish a Account without my written Instruction.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their high yield interest savings accounts. Capital One misrepresented the XXXX savings account as having XXXX of the nations highest interest rates, yet failed to notify account holders about the superior rated offered by the XXXX XXXX XXXX Account. This deliberate obscurity and lack of transparency violated XXXX XXXX and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Request for Removal of Closed Accounts from My Credit Report Dear Sir/Madam, I am writing to formally request the removal of closed accounts from my credit report. After reviewing my current credit report, I have noticed that these closed accounts are still being reported, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c. 
According to the FCRA, negative information such as closed accounts should be removed from my credit report after a certain period of time, typically no later than seven years. I kindly request that you investigate and remove any closed accounts that are beyond the legal reporting time frame or that no longer reflect an accurate representation of my current credit situation. 
Please provide me with a copy of my updated credit report after the necessary adjustments have been made. If you require any further documentation to process this request, please let me know. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes with Equifax  three  seperate times  XXXX  tax liens showing on my report. This item was incorrectly assessed at the creditors level. Because the first  two  disputes came back as verified by  XXXX  I did my own research. Verified that this debt was not mine and the issue was resolved at the creditor level.  XXXX   XXXX  did a investigation per my request found the debt to not belong to me and removed it from their files. I started my third dispute with Equifax. This item was removed promptly by   XXXX    and  XXXX . I faxed my   XXXX   XXXX   report to Equifax with my dispute. Equifax stated numerous different things to me such as they verified the debt directly with the lien holder  (  creditor ). Which they did not. I requested in writing how they verified the debt. That statement sent to me by  XXXX  stated it was verified through   XXXX   XXXX  . It was not. Once I received that statement from experian I asked for an updated copy of my file from   XXXX   XXXX   It was still clear of the debt. I have spent well over  20  hours on the phone with  XXXX  to remove this item and they refuse stating that it was verified directly from the source. I called the source of the debt. They stated that they do not communicate with credit agencies directly ever. I asked for verification that the debt was not mine. The creditor stated that it never existed so they could not send me any letter stating that the debt was not mine. Additionally they stated that my record is clear of the debt and should reflect as such. It does reflect correctly with   XXXX   XXXX  . I am in a mortgage closing situation and it is delayed because of this refusal to remove the item. I can not close a mortgage loan with tax liens on my credit. My original close date  was      XX/XX/XXXX . It  is pushed back indefinitely. The owners may recind our contract to purchase. I have been calling actively since the end of     XXXX   2017   but the initial dispute was submitte d two ye ars ago.
Product: Credit reporting or other personal consumer reports

I am reporting XXXX AGAIN! They have NOT corrected my credit report. I have filed XXXX reports and sent proof of what the balance should be. I also spent my LAST XXXX on XXXX XXXX to overnight them PROOF my student loans should have a XXXX balance because they were consolidated but they REFUSED to change it. Not only that I sent a letter showing what companies had my PERMISSION to pull my credit report. I was told by a representative to call the people on my report and get a letter saying they didn't have permission to pull my report. I was informed that I could NOT get a letter because they DON'T know me. IM SICK AND TIRED OF DOING THEIR JOB. THEY ARE RUINING MY LIFE. Not only is this stressing me out I suffered a XXXX XXXX from ALL the stress they have put me under. I WANT JUSTICE!!!! 
When I contacted your company, it said the case was closed. This is what I sent to your company before. 
I applied for an XXXX loan through XXXX banks and was told by the last bank that I had an XXXX number of inquiries on my report. I look at my credit report and noticed I had XXXX companies that pulled my report without my approval. I then contacted the credit bureaus and disputed them. Within XXXX hours I received a message saying my disputes were resolved. There is NO way they contacted the companies and verified those accounts. I did the dispute around XXXX on XX/XX/2023 and received an email at XXXX on XX/XX/2023 saying it was resolved and that they will remain on my report for XXXX years. Because I am a realtor, I understand how too many inquires can affect your XXXX XXXX. I am asking that you investigate this and have all the ones I did NOT authorize removed ASAP. If you have any questions, I can be reached at XXXX or by email at XXXX if I DO NOT GET JUSTICE BY XXXX XXXX, I WILL FILE A LAWSUIT AGAINST YOUR COMPANY AS WELL AS XXXX. 
I am also including XXXX and Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that my credit file has been used to obtain accounts fraudulently without my permission at the following companies : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX Are you the original creditor? 
Have you given the debtor the opportunity to review the original contract? 
Have you validated the home address for the debtor? 
Have you complied with all FRCA and FDCP and FDCPA laws? 
Have you reported to the consumer who all has reviewed the original contract Have you provided the names of all creditors that have provided names and addresses of the individual person who has reviewed consumer relations?
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX TransUnion XXXX XXXX / XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX TransUnion/ XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently been in contact via mail over the past two months with the major consumer reporting agencies and collection agencies due to my identity being stolen which resulted in fraudulent accounts being opened and reporting on my credit file. Since I've noticed an obvious or clear violation of the Fair Debt Collection Practice being committed by a  company called the Collection Bureaus of America under section 1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. This account has not been updated as DISPUTED AND IS IMMEDIATE GROUNDS FOR REMOVAL UNDER THE FDCPA.
Product: Debt collection

I received a letter from American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Stating I owe {$30.00} to a Creditor which is XXXX XXXX XXXX 

I contacted Collector at XXXX and explained to them that this is fraud and I already have all XXXX credit bureaus frozen. I have been dealing with Fraud for last 7 years on a regular basis. I never dealt with XXXX XXXX. This is not my account or charges, this is Fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS NOT MINE I THINK DUE TI IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contacted all three major credit bureaus in XXXX, 2017 and alerted them to an ID Theft that I had just discovered had en occurring for many months. My losses are in the hundreds of thousands of dollars is misappropriated funds from my personal and corporate bank accounts. I also filed reports with State ( Local Police ) and Federal Law Enforcement ( FTC ) Agencies and furnished the Credit Bureaus and Every Creditor on my affected accounts with copies of the reports. I further verified the Complete ID Theft and Account Takeover with all three major the credit bureaus who had notified me that all of my personal information and account access credentials were available for sale on the underground web online. Both XXXX  and XXXX XXXX Credit Reporting Bureaus Verified the Complete Identity Theft and complied with the Federal Laws on Credit reporting by Blocking the fraudulent accounts from being further reported. I have also had to file Seven Lawsuits in Federal and State Courts against the Creditors who failed to restore the misappropriated funds to my accounts and I provide Notice of Court Case filings to the Creditors and all Three Credit Bureaus. According to every attorney I discussed this situation with, the Bureaus are Compelled by the Federal Fair Credit Reporting Rules and Laws to Block reporting of the Verified Fraudulent Accounts as well as the Creditors Removing any reports and stopping any further reporting on the Verified Fraudulent Accounts. The Equifax Credit Bureau was duly notified in writing many times over the last several months but until today they have ABSOLUTELY REFUSED to Block any Reporting of the Verified Fraudulent Accounts despite Verifying the ID Theft and Takeover and after receiving multiple Notices of Court Case Filings, which takes the account status from a Verified Public Debt and into the Law Enforcement and Court Domain for  Adjudication and is a Verified Fraudulent Debt. Equifax keeps insisting that they are DISPUTING The Verified Accounts with the Creditors and NOT BLOCKING them from being reported per Federal Fair Credit Reporting Laws. I have filed for Court Injunctions against Equifax for continuing to report verified Fraudulent Accounts as Valid Public Debt and have also delivered Cease and Desist Notices to them to no avail. They are Breaking the Federal Laws under which they are Licensed, Regulated and Operate with Blatant Disregard to those laws. I NEED the CFPB 's HELP in addressing their CRIMINAL BEHAVIOR and Forcing them to comply with the Federal Fair Credit Reporting Laws which they are IGNORING.