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

On XX/XX/XXXX I receved an alert from Equifax that I credit score went down 86 points. I did not know why. So I checked and saw that a particular collection company re-age or changed the Date of First Delinquency which is illegal. It was changed to XX/XX/XXXX and the original date was XXXX XXXX. So that why my scores went down. I have proof that I will be forwarding in this email to show the discripancies. XXXX XXXX XXXX. is the name of the company. I've been dealing with this issue for almost a year now. FCRA 6d23 ( 5 ) a was violated. Fderal Law violation. I have the proof and I'm willing to share. Plus they are harassing me with phone call daily and hangng up. I need this to stop. I'm steress enough and consumers shouldn't have to go through this to fix an errounous error.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I disputed a claim of XXXX at Chase bank for a fraudulent transaction from XXXX and now the claim came back like i did it and now they are going to take out that from my checking account i am about to take this to small claims court
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information First Name : XXXX Last Name : XXXX Address : XXXX Phone : XXXX Email : XXXX Personal Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Affected by the Crime XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX Page 1 of 2 Company or Organization : Total fraudulent amount : {$0.00} Other Identity Theft Fraudulent Information on Credit Reports Credit Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX Page 2 of 2
Product: Credit card

Citibank has refused my timely request to opt out of the company 's new arbitration provision. Citibank lied about the date of my request. Certified Mail tracking proves that it was not only postmarked, but even received, before the postmark deadline. I believe that Citibank is expecting customers not to notice or question the imposition of arbitration. 

By way of background, I have been a Citibank credit card customer for 21 years, have never missed a payment, and have always maintained a high credit score. My account is in good standing and no disputes are pending. 

Facts, in chronological order : XXXX XXXX, 2015 : Citibank announces the proposed arbitration provision and the opt-out process. " You can reject the change to arbitration by writing to us ... Your letter must be postmarked on or before XXXX/XXXX/2015. We will not close your account ... '' Letter attached. 

XXXX XXXX, 2015 : I mail my opt-out request, XXXX XXXX, Certified, postage-paid. Letter and postmarked Certified Mail receipt attached. 

XXXX XXXX, 2015 : Citibank receives my letter, before even the postmark deadline. United States Postal Service tracking results attached. 

XXXX XXXX, 2015 : Citibank refuses my arbitration opt-out request. Citibank falsely claims that " you did n't mail your preference to opt out by the deadline we established. '' Letter attached. 

XXXX XXXX, 2015 : I file the present complaint with the Consumer Financial Protection Bureau and mail copies of the complaint and of the documents mentioned above to Citibank.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX  ( Account # XXXX ), has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on XX/XX/2022 in regards to my 2 installment loans. I informed them that I had recently suffered financial due to being unable to earn income while I deal with XXXX XXXX here in XXXX. They entered me their " Temporary payment and interest rate reduction '' program. During this time I had also requested for my due date to change so that it would be easier for me to make my payments. The female representative said that is not a problem. 

Fast forward to late XXXX and I am not feeling well but have my payments on autopay. Then on XX/XX/2022. My FICO score drops XXXX points. 

I contacted XXXX XXXX on XX/XX/2022 @ XXXX to discuss XXXX XXXX account # XXXX. He then transfer me to a Supervisor named XXXX @ XXXX on XX/XX/XXXX. 

She informs me that 1 out of my 2 payments was returned by my back. And I informed her that I didn't receive a letter from XXXX XXXX about the payment return. XXXX then continued to say that XXXX XXXX sent an EMAIL and tried to call. I told her that I didn't receive any voicemails or emails ( maybe they went to Spam ). She then put me on hold to talk to her manager and returned @ XXXX. 

I tried to explain to her that XXXX XXXX needs to remove the 30 day late on my credit report since I was not late and had asked to change my due date in XXXX. XXXX said no and that my 30 days late accrued on XX/XX/XXXX. I tried ( close to 1hr ) explain that did everything I could to avoid ever receiving a late payment on my credit file. XXXX basic said to me that it's not XXXX XXXX problem. And was very insensitive to me. 

After doing some research I realized that XXXX XXXX is in violation of the Cares Act and these other laws below : In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

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 1666B : A creditor may not tre
at a payment on a credit card account under an open end consumer credit plan as late for any purpos
e
Product: Debt collection

XXXX XXXX  contract termed not renewed. Account sent to collections because contract was not canceled in time and business attempted to renew contract without consent. Amount owed is completely inaccurate and inappropriate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XXXX, of 2025 my credit utilization keeping changing .Based on my previous payment I paid down my balance {$1500.00} to {$69.00}. However its been three days, XXXX different credit score changes within XXXX credit closing cycle date. My rights are completely violated.Equifax has not done a investigation giving accurate information on my credit report.They reported the old balance from XXXX in XXXX XXXX2025, then I dispute it it changed to {$560.00} balance now its {$1100.00} balance report bringing my credit score down XXXX points!
Product: Credit reporting

I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
BANK OF AMERICA XX/XX/2016
Product: Debt collection

I had XXXX contact me by mail via a debt collector, about a debt from XX/XX/XXXX, back in XX/XX/XXXX. I  refused to pay the debt because I do not owe it. XXXX bill you a month ahead of time. So the last bill that they send you is the bill for the following month. so they resulted to dealing with it through a debt collector. The previous debt collector kept sending me bills in XX/XX/XXXX.That debt collector was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX XXXX. I disregarded them since I didn't owe the debt. I didn't here anything for a year or so. then on XX/XX/XXXX of this month I received a notice on my account with XXXX XXXX service I have with XXXX that XXXX requested to close the consumer account on my credit record. Then I started receiving phone calls and bills from a debt collector. The name of the company is named EOS CCA, XXXX. XXXX XXXX, XXXX, MA XXXX. I informed them that I didn't owed the bill and I wasn't paying it. So on XX/XX/XXXX the file a report with the credit agency XXXX. I'm not sure whether thy filed with the other credit bureaus. But anyway the reason for my complaint is that this company is ruining my credit record by filing the report every week. They file the same report for the same bill, three times in three weeks. They filed the same debt on my credit record on the dates of, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of this year, XX/XX/XXXX. They also informed me that they are going to continue to file this same report on my credit record every week until the bill is paid. Which will means that my credit will ultimately be ruined, over a bill I don't owe. I don't now what else to do!!! Is this legal? Are they allowed to do this? What can I do? Please help!!! Can they do this, file the same bill more than once on my credit report? Below is attachment of the credit record : Credit Report Alerts XXXX Credit Report SSN Scanning ID Theft Insurance ALERT TYPE COMPANY BUREAU DATE New collection EOS CCA XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Collection {$80.00} New collection EOS CCA XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Collection {$80.00} New collection EOS CCA XXXX  XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Collection {$80.00} Updated tradeline XXXX XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX, TX XXXX Account closed at consumers request $ USD XXXX
Product: Mortgage

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Also, I would like to request your verification of the aforementioned items. If you can not prove the accounts information to be 100 % precise, please correct or update them right away. 

FREEDOM MORTGAGE CORPORATION XXXX Date opened XX/XX/2016 Balance {$120000.00} // Late Opened
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$730.00} with SPRING OAKS CAPITAL LLC Acct : XXXX. I do not have a contract with Spring Oaks Capital LLC, and was not provided the original contract with my wet signature and ID verification.
Product: Credit reporting or other personal consumer reports

Multiple instances of reporting erroneous activity have occurred. It's essential that any unauthorized items are removed within four business days. This involves providing sufficient proof of identity, submitting an identity theft report, identifying relevant information, and confirming its relatedness to any of my transactions. 
XXXX, 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 XXXXXX/XX/XXXX
Product: Mortgage

Boeing Employee 's Credit Union ( BECU ) mortgages are serviced by a third party. I have received 3 letters in the last two weeks that are criss-crossing. The mortgage servicer 's are not local and it appears to take about 2 weeks for a letter to reach it's destination. The local BECU office can not help me. On advice of BECU I closed a checking account and opened a new one because of fraud. My mortgage wasn't switched over and no one explained to me that BECU does not work with the mortgage servicer nor do they have the ability to see anything about my mortgage. I was not told that it was incumbent on me to do anything. I had one {$25.00} NSF fee returned already and I am demanding that the 2nd NSF fee be returned as well. I called on XX/XX/XXXX ( the same day I received the XX/XX/XXXX letter ) and made a mortgage payment by phone. No one said anything about a letter being mailed on XX/XX/XXXX and a second NSF charge. I usually pay 1/2 my mortgage every two weeks. Now I have made two full mortgage payments on XXXX and XX/XX/10. The XX/XX/XXXX letter I received today, XX/XX/XXXX, say my next payment is due XX/XX/XXXX. 

The mortgage servicer 's service is abysmal. Menu navigation is long and hold times are ridiculous ( 30-50 minutes ). Their hours are not printed on the letters and after going through a very long menu I was told they were closed with no comment about when they would be open. If I do not get the {$50.00} NSF fee returned I will be submitting another complaint. Fortunately I can afford 3 mortgage payments in one month but I'm sure it would be a struggle for most people. I had paperwork I needed to return to initiate the automatic withdrawals again. After 5 attempts at faxing and the number being busy ever time I sent the paperwork via next day mail ( another XXXX fee ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and register a complaint regarding several persistent inaccuracies on my credit report, which include incorrect addresses, charge-offs, and numerous inquiries. These issues have adversely affected my creditworthiness and have not been adequately addressed despite my previous disputes. I have attached a copy of my credit report highlighting the disputed entries for your reference. I want to express my frustration and concern regarding these inaccuracies, which have continued to persist on my credit report despite my best efforts to resolve them. These errors are causing significant harm to my credit history and my ability to access financial opportunities. : Please investigate and correct the multiple inaccurate addresses listed on my credit report, as they do not correspond to my residential history. I dispute the legitimacy and accuracy of the reported charge-offs, and I request a thorough review to rectify any errors in this regard. There appear to be numerous inquiries on my credit report that I did not authorize. I would like these unauthorized inquiries removed from my credit report immediately. I kindly request that you initiate a comprehensive investigation into these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). I ask that you : 1. Verify the accuracy of the addresses listed on my credit report and promptly remove any incorrect ones.

2. Review and rectify the status of charge-offs, removing any inaccuracies.

Investigate the unauthorized inquiries and remove them from my credit report.

I also request that you provide me with a written response within 30 days of receiving this complaint, outlining the actions taken to address these concerns. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. The following items are needs to be removed : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$880.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXXXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;
Product: Checking or savings account

I originally asked Captial One to close my online XXXX checking account. However, they would not close my checking account due to overdraft protection being included in my Chapter XXXX Bankruptcy. Also, I requested my checking account not be included in my bankruptcy. This will be my second complaint to Capital One about closing my online XXXX checking account. The first response was no help whatsoever. I called both numbers on the letter that was mailed to me. On XX/XX/2021, I called the XXXX is no longer in service or a working number. Then on XX/XX/2021, I called XXXX, ext. XXXX to get a hold of XXXX with Capital One. However, the extension was no longer valid. The letter states that I owe a balance on my online XXXX checking account, but it does not state an amount and who and where to send a check or money order to. On XX/XX/2021, I called Capital One customer service and the customer care agent told me that she could not find a balance on my account and what Capital One is talking about. The customer care agent could not even pull up the letter. Also, I asked the customer care agent to close my online XXXX checking account, and the computer would not give her the option too. The customer care agent felt really bad because she could not help me or her supervisor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  Revolving with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
I previously disputed this account stating : ''This account is incorrectly reporting that I have 6 late payments. On my XXXX report there are 4 late payments being reported. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
15 U.S. Code 14 15 U.S. Code 16.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have called XXXX XXXX XXXX XXXX spending several hours on the phone with representatives and managers re : # XXXX XXXX XXXX XXXX due to this card being issued by XXXX XXXX after my departure from the company which was XX/XX/XXXX. The card was sent directly to the XXXX XXXX XXXX, and charges in the amount of {$520.00} were charged against this card issued under my name without permission. After discussions with XXXX, I was advised to fax the letter from my previous employer stating they issued the card in error under my name to XXXX by XXXX ( Employee XXXX ), which I sent in on XX/XX/XXXX. In my letter, I requested to have a letter/documentation to their resolution and for them to contact the ( 3 ) bureaus having this adverse mark removed from my credit. I 've been denied a credit card, and am now attempting to pursue a purchase of a 2nd home which this will affect now since it 's still not resolved. I have attempted to call back again XX/XX/XXXX & XX/XX/XXXX with no success in reaching someone that can assist, and when I ask them to review the notes on my account their suspect at best in describing my case and do n't mention anything about receipt of a letter, or their efforts in resolving this issue. XXXX has taken no interest in resolving this issue, and I feel hopeless as a consumer as XXXX reps will only take down my phone number for callbacks which are never received from management. They can reach me at XXXX, and I would like to understand as a consumer how do I repair my credit when a company is n't cooperative in the efforts???? Do I have recourse to sue for my time spent and the damage they 've continued to allow by no action on their part??? 

Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX