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

On dates XXXX, XXXX, I mailed each of the XXXX bureau disputing this inaccurate, information on my credit, The addresses were deleted but the public record related to this dispute still stand, I even took it upon myself to mail the court that the Bureaus say they are verifying this information with. The court response is included a long with a address that is not mines on the XXXX, I am filling a complaint to get this inaccurate information removed from my credit. I was not notified on how this item is verified as mines on each of these responses. This is violating the FCRA.
Product: Checking or savings account

XXXX XXXX XXXX XXXX Acct ending in XXXX I opened a business account on XX/XX/2019 in the XXXX XXXX XXXX branch and i was supposed to receive a bonus of {$500.00} upon fulfilling the requirements for 3 months which i did. However i never received the bonus. Also i called in to customer service during the 3rd month and they confirmed i was compliant to the requirements to receive the bonus and i would receive in XXXX. When i didnt i called again and at first the rep claimed no such promo existed. I then told her i had a screen shot of the promo i used with my unique identifier on it. After a few transfers i was notified i did not meet the requirements and would need to go in to a branch. Due to coronavirus it is unacceptable to send a customer to a branch to receive a bonus they 100 % qualify for. 

I will now list all requirements along with my actions taken and upload all supporting documents. 

1. Visit branch ( went to XXXX XXXX XXXX ) 2. Deposit atleast {$25.00} ( I deposited {$23000.00} ) 3. Have {$15000.00} on day 30 and day 90 and have 5 or more transactions post in 90 days ( I had {$15000.00} average all throughout and posted well beyond 5 transactions in 90 days )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I was the victim of identity theft. In each of the XXXX credit reporting agencies there are multiple hard inquiries shown on my account in XX/XX/2022 that were due to identity theft. None of the hard inquiries shown during that month in these credit reporting agencies belong to me. I spoke to each of these agencies but it is not clear how the hard inquiries will be removed. In the case of XXXX I was assured they would be removed within 72 hours. However, in the case of TransUnion they were not willing to assure me they would be removed nor would they send me in writing the procedure I needed to follow to get them removed. I have yet to discuss this issue with XXXX.
Product: Mortgage

I have had a first and second mortgage with Colorado Housing and Finance ( " CHAFA '' ) XX/XX/XXXX. In XX/XX/XXXX I filed a Chapter XXXX bankruptcy. My mortgage was not discharged and subsequently the delinquency was included in a promissory note in XX/XX/XXXX. 
I have made ALL my payments for my 1st and 2nd mortgages. However, CHAFA has not provided a 1098 for my first mortgage for XXXX, nor do they provide a monthly statement of my first mortgage, nor to they report my payment history to the credit bureau of my first and second, despite in XXXX my 2nd was being reported, not the first and now neither is reporting. Clearly, my pay history with my mortgage would raise my credit score significantly for a refinance and despite maintaining a XXXX credit score I am unable to get a more favorable rate. CHAFA has gone back and forth as far as allowing me online access. 
I called on XX/XX/XXXX and left a message with the legal department. No response. 
I called customer service today and was advised they are unable to provide me online access and can only mail the requested documents ( despite the 1098 was due XX/XX/XXXX and the monthly statements have not been provided at ALL ) thus I am unable to complete my taxes and it puts a further delay my ability to refinance.. In fact, last year when I attempted to refi my home CHAFA refused any cooperation with me or the mortgage associate I was working with.
Product: Debt collection

I am writing to formally dispute and request the immediate removal of inaccurate information from my credit report. The information in question pertains to late payments that are inaccurately reported on my credit history. The inaccurate late payment information on my credit report is adversely affecting my credit score and overall creditworthiness. I believe that this information is in error and does not accurately reflect my credit history. I am seeking your prompt attention to rectify this matter. 
GM FINANCIAL XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I kindly request that your bureau conducts a thorough investigation into the accuracy of the reported late payments and takes immediate action to rectify the inaccuracies. Please update my credit report accordingly to reflect the correct and accurate payment history.
Product: Checking or savings account

I opened a 3 month CD with Citibank online in XX/XX/XXXX. It matured on XX/XX/XXXX. I tried to close it online but the website directed me toward calling customer service. I called on XX/XX/XXXX to close the account. I was told that they could not transfer the $ XXXX into a different institution, and since I didn't have a savings account with Citibank XXXX the only way I could get my money was to have it mailed to me. I was told it could take up to 15 business days. 15 business days passed and I still had not received the check in the mail. After multiple fruitless phone calls, I went to my local branch ( Citibank XXXX XXXX XXXX XXXX XXXX ) on XXXX. A banker and XXXX said they couldn't give me my check. They told me to call an XXXX number, which I did that same day. The supervisor essentially said they'd have to cancel the first check, reissue another check, and I'd have to wait up to another 15 business days for my money. She also told me to go to my local branch and see if they could help. Essentially I've spent several hours trying to get my {$30000.00} back. I've waited over 3 weeks since I initially called to close my CD and still do not have my money. I've been told by several Citibank employees that " there's no process for this ''. They'd make notes in my chart but no action has been taken to get me my money back.
Product: Credit reporting or other personal consumer reports

. 
Remove the following inquiries immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are not my accounts. delete the inquiries. This is the 3rd time. Legal action will be taken.
Product: Debt collection

On or about XX/XX/2019 I received a dunning letter from GC Services Limited Partnership whose address is XXXX XXXX XXXX, XXXX, TX XXXX. In response to GC Services LP letter, on XX/XX/2019 I mailed them a cease communication letter pursuant to 15 USC 1692c ( c ) by USPS Certified Mail RRR. GC Services LP was obligated by law to respond to my cease communication letter pursuant to 15 USC 1692c ( c ). GC Services LP failed to respond to my cease communication letter and has invoked 15 USC 1692c ( c ) 1 by default. However, GC Services LP is still trying to collect on this debt and has furnshed this account to XXXX Information Solutions. Attached are my documents regarding this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX, TransUnion and XXXX dropped my credit score XXXX points simply because my XXXX XXXX  credit card balance decreased from {$40.00} to {$0.00}. How can they do that? It sounds like they are penalizing me for being a responsible consumer. I thought score drops applied only when a consumer misses or makes late payments, not someone like me who has a 100 % on time payment history. I demand they restore my credit score at once or legal action will be taken against all 3 credit bureaus.
Product: Credit card

Today XX/XX/2024 I noticed that XXXX of my accounts at Chase had been closed. I was checking in my online account because there was a charge pending for days for a flight I had reserved with XXXX XXXX for {$3300.00}. Today the charge was still pending and my accounts were closed for credit cards ending in XXXX and XXXX. I was not notified of the closing of my accounts and was not given a reason over the phone when I called several times today. I was told it was bank policy and that was it. There were other charges pending as well in both cards. Now my plans have been ruined because the charge was still pending and the flight more likely will be cancelled which is fine. I will have to use another credit card. I got transferred to an account XXXX that handles account closures but XXXX  times got an answering machine. I left a message seeking an explanation. I don't like that Chase Bank abruptly closed my accounts without any notice. I have been an excellent cardmember for about XXXX XXXX now and never missed a payment and had a good history. I also have an almost excellent XXXX XXXX of XXXX. I am seeking an explanation on why my accounts were closed so I know if my rights as a cardholder have not been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXX did a hard credit pull on my credit unknowingly. I did not know that it would impact my credit negatively when I called her. I had never gotten a loan before and still to this day, never have. I did not provide consent for her to run my credit. I sent her an email about this on XX/XX/2022 after getting off of phone call with her a few days prior. She only said through phone call that it was a loan and therefore credit is ran. She declined to waive it or not report it on my credit report. I had heard about XXXX through a friend who recently bought a townhouse with his family member in the XXXX area. I even spoke to XXXX and tried to dispute this and they said that I should reach out to CFPB to file a complaint and they can use that to get this off of my credit report because I should have been told that XXXX XXXX would have to do a hard pull for this. 

I have a XXXX XXXX XXXX which I received scholarships for, so I have never had to even take out student loans either. I have never had to take out a car loan as well. Therefore, more information should have been given by XXXX to me in regards to any credit being pulled as I was not aware. 

It was not until I tried to apply for a XXXX XXXX credit card that I was declined for it, and I looked into my credit report after that to see what could have caused me to be declined, and I noticed the loan depot or ( XXXX XXXX ) on my credit report. I did not know anything about this until then. 

I was not for sure going to become a homeowner and did not know anything about home loans when all of this happened. This is definitely a learning experience for me and I will try to be very careful in the future if I do choose to become a homeowner someday. 

I sent XXXX XXXX about this through an email like I said, on XX/XX/XXXX of last year, but she did not respond. I did not use the loan whatsoever so I don't see the issue in just taking this inquiry off of my credit report. I am going to keep renting until I have a stable job and income. Right now, I am not even working as I am a XXXX XXXX XXXX trying to earn my XXXX XXXX in XXXX XXXX and also have an XXXX XXXX
Product: Credit reporting or other personal consumer reports

Help me create a dispute letter using XXXX civil liability for negligent compliance. XXXX account XXXX, XXXX XXXX account XXXX, WFDS account XXXX,
Product: Checking or savings account

I closed accounts in my dead name, because that identity is no longer me and was not told anywhere in XXXX that I would not be able to open a new account they said my dead name couldn't, but that's no longer my identity and I'm glad to be rid of it as I didn't have the best parents or the happiest childhood. They mentioned nowhere that if I were to open an account with same social I would be denied. 
I informed them I was a XXXX  XXXX  with new identity and they didn't care they still chose to discriminate against me and not allow me to have a first account with them because before I was allowed to exist and accepted who i was dead name had an account with them. 
I understand that I'm not a majority within my minority and I do not speak for other XXXX  XXXX XXXX experience, but for me I was locked away watching someone else live my life until I was given my real name and allowed to exist and accepted by myself. So it's not fair and very XXXX  of any company to deny me access to opening an account for something done before I existed by someone else. 
In my specific case this is a XXXX  policy and violates my rights of equal treatment.
Product: Payday loan

I am a victim of Identity theft on or about XX/XX/2016 the above mentioned company did a fraudulent hard inquire to my credit report on Equifax. After learning about this unauthorized fraudulent transaction I placed a warning and then a freeze to my credit file. I contacted speedy cash on two times in which they refuse to remove this hard inquire to my credit report thus impacting my credit rating. I have also asked for all the information that is attached to this fraudulent account in which they also refused. This refusal is a direct violation of my civil rights under the Federal Trade Commission ( FTC ) Fair Credit Reporting Act ( FCRA ) section 609 sub-section ( e ) in which it states Who must comply with Section 609 ( e ) of the FCRA? 
A. The law applies to a business that has provided credit, goods, or services to, accepted payment from, or otherwise entered into a transaction with someone who is believed to have fraudulently used another person 's identification. For example, if your business opened a cell phone account in the victim 's name or extended credit to someone misusing the victim 's identity, you may be required to provide the records relating to the transaction to the identity theft victim or the law enforcement officer acting on that victim 's behalf. 

Q. What documents must my business provide? 
A. Your business must provide applications and business transactions records, maintained either by your business or by another entity on your behalf, that support any transaction alleged to be a result of identity theft. Records like invoices, credit applications, or account statements may help victims document the fraudulent transaction and provide useful evidence about the identity thief. 
They will not comply with Federal Laws and Refuse to remove this Hard inquire from my credit report. I had a total of XXXX hard inquiries to my report and I had removed 27 of them without any problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the 3 credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2020 my mortgage was up for refinance. There were delays getting it refinanced. The XXXX XXXX XXXX XXXX XXXX started showing in my credit bureau 120 days past due. I emailed the bank and was told repeatedly that once the refinance was done they would remove the 120 days past due. In XXXX 2020 I refinanced and was told it would take 30 days for the 120 days past duets be removed. It is XXXX XXXX, 2020 and its still 120 days past due. I file a dispute with trans union the beginning of XXXX and trans union says the bank says the information is correct. The bank says they reported back to trans union to remove it. Someone is lying. I need help because no one is interested in helping me raise my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are unauthorized and unknown to me, these accounts are a product of identity theft and XXXX data breach .I 've summoned the three ( 3 ) major credit reporting agencies to remove & block these unauthorized accounts. However, if these demands can not be met, I'll be forced to pursue other avenues. I've also asked for physical documentation of these accounts. Please remove the following. 

1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX XXXX {$470.00} 3 ) XXXX XXXX 4 ) US Dept of Education {$7500.00} 5 ) US Dept of Education {$4300.00} 6 ) Dept of ED/XXXX  7 ) Dept of ED/ XXXX  {$6000.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX   {$240.00} 10 ) XXXX XXXX {$1100.00} 11 ) XXXX XXXX XXXX {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} ; XXXX XX/XX/XXXX.
Product: Debt collection

I had a lease with Us bank. I was making constantly payments every month. Until in XXXX Us bank couldnt take my payment. I sat with a banker. The banker called the auto loan department and they had the wrong address for me so I never had a notification of turning in my car for inspection. The auto dep notified the banker to tell me to turn the car in to the dealer ship. The dealership never notified the bank that I turned the car in for an extension lease. Now the bank reported negative on my credit when I have been making payments XX/XX/XXXX all the way back XX/XX/XXXX. My business Banker notified the bank where the car was and gave them the address. The Dealership gave me another car to lease. The banker called the recovery department and notified him that the car was sold in action and I will no longer be liable for the XXXX. Because the bank recovered the car for inspection. The title was She realesed. Now I have a collection for XXXX when I never missed a payment. The car was sold for XXXX.
Product: Checking or savings account

XX/XX/2021 XXXX took an unauthorized payment from my BMO Harris checking account. Causing my account to appear negative {$360.00} including the {$36.00} over draft fee. Now the defamatory implication to my credit history as am attempt is on line. I only encounter these types of banking issues when there is a third party form of unprofessionalism and technological distorted abuse as practice making or showing an unfair or prejudicial distinction between different categories of people or things. I have been in contact with XXXX since Monday XX/XX/2021 I was told it takes 1-2 days to reverse it is now Wednesday the XXXX day. Today I put a dispute in to BMO Harris professional XXXX and they are now only waving 50 % of the over draft fee. This is not acceptable professionalism. He contacted his manager XXXX and still no resolve. I am disheartened by this attempt to defame my creditability and feel the disparity. Please resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted DEPT OF EDUCATION/XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed aslate on XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX  XXXX
Product: Debt collection

Afni collection agency is asking for  XXXX  dollars for a  XXXX  account I have no information about or anything contact information to settle the debt.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number XXXX XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX XXXX, an account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a Loans account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.