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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Equifax ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  I was shocked when I reviewed my credit report and I still found multiple inaccuracies on the credit report from the 3 major credit bureaus.

I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumerto dispute information directly with the furnisher. 

I'm also exercising my rights under section and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit card

Went to pay citibank XXXX preferred credit card on XX/XX/XXXX for the amount of {$300.00} on their app. 

The bank I believe manipulated the payment/ or there was a glitch- took full balance {$10000.00}. I also saw payment for {$300.00}. Of course I didn't intend on making a payment in full. 

I immediately called the bank within minutes, and they told me the couldn't reverse the payment, I had to wait until it was processed and to call back in 24hr. I then called my bank Citi ( where the money was drawn from )- they told me they couldn't assist, it was on the citi card side, they couldn't stop payment. 

I called the next day XX/XX/XXXX, the representative said no problem we will put in a claim to have it refunded, I should receive payment/ refund in 5 business days. 5 business I followed up, I was told my request was denied because I hate a late payment of XXXX at this point, they couldn't refund me back the full XXXX, XXXX but could substract XXXX and refund me the difference. I was fine with that, I spoke to XXXX and that request was processed. The same day I spoke to her on XXXX, I noticed citi dropped my credit limit on the card to {$300.00}. I called back to see what the issue is and was told, that is a seperate, unrelated issue and the refund/ reverse payment is still being processed. Still needed to wait the 5 business days, then 10-15 days. I received in mail, a letter dated XX/XX/XXXX, that if payment was refunded, your account would be over the assigned credit limit. Do note, my credit limit on this card hasn't changed in over 5 -7 years. My credit score is in good standing. I never was late on payments and how do they just drop my credit limit, even when the card was paid in full, at this point. Makes no sense. 

Can you look into this matter. How dare they keep my money, which put me in a financial bind with my other bills and obligations. How dare they switch my credit limit, to manipulate and justify keeping the money. Although I had a balance on the card, I never was late on payments. 

This is matter seems very suspect and I feel I was manipulated by the bank. It is hard to speak to anyone above and beyond the bank representatives. I'm not sure this is racially motivated or what the motivation for keeping my money was, but this should not have happened. I should have recieved my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX 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 AM STILL HAVING ISSUES WITH MY CREDIT FILE REFLECTING CURRENT AND ACCURATE INFORMATION. MY PROPER ADDRESS AND ONLY ADDRESS IS XXXX XXXX XXXX ,XXXX XXXX XXXX, XXXX  Ohio XXXX. PLEASE REMOVE ANY AND ALL OTHER ADDRESSES FROM MY CREDIT FILE. I WAS A VICTIM OF FRAUD AND LIKE WOULD LIKE TO REMOVE ANY AND ALL ALERTS. SO I CAN CONDUCT BUSINESS AS USUAL. I HAVE REQUESTED THE REMOVAL SEVERAL TIME AND I STILL HAVE LENDERS TELLING ME I HAVE A FREEZE OR ALERT PLEASE, PLEASE PLEASE, REMOVE IT ASAP!!! THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE/REMOVE : XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX , XXXX OH XXXX There is a unverified account on my credit from a XXXX XXXX XXXX XXXX  XXXX please delete/remove this account this account I have never received any documents or papwerwork that was legally requested and never provided!! FCRA 609,611,623. I BELVIEVE IT TO BE A HIPPA ACT VIOLATION AS WELL.
Product: Credit reporting or other personal consumer reports

I DONT THINK THAT THE COMPANY REALLY READ MY DISPUTE ALONG WITH THE ATTACHED INACCURATE CREDIT REPORT SHOWING THE INACCURACIES. LETS TRY AGAIN. PLEASE REVIEW MY ATTACHMENTS For the past 24 months i have submitted certified letter dispute pointing out to the company XXXX FCRA violations yet they refuse to remove the in accurate information and account. I have even seek the CFPB assistance and the inaccurate accounts remains. For the last time please take a look at my attachment and follow along : Item # XXXX XXXX  # XXXX REFORTING TWICE iTEM XXXXXXXX XXXX # XXXX Reporting twice XXXX. XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. Once again they reported the same account closed several times twice. closed on XX/XX/year>, closed on XX/XX/year> and reporting as XXXX seperate accounts on credit report : ( see the attached ) Questions : XXXX How can you verify the same account numbers reporting twice on a credit report? XXXX. How can you say you call the company and verified reporting inaccurate information? XXXX. How can you close the same account twice at the same time on a credit report? Item # XXXX XXXX XXXX XXXX XXXX  # XXXX I have never have an account or done business with XXXX XXXX XXXX XXXX. I have ask for proof but unable to receive a contract from XXXX XXXX XXXX XXXX, they have no record of me signing any contract with them. Yet the credit reporting agency keep verifying inaccurate information and refused to delete. Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inaccurate information I now have enough credit reports to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. Rather than wasting time on a lawsuit i keep pointing out these errors yet they refuse to remove the inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I NEVER APPLIED THESE BANKS AND DON'T RECOGNIZE AN INQUIRY ON MY CREDIT REPORT PLEASE INVESTIGATE. 
CREDIT INQUIRIES AND DATES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the ACCOUNTS below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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. 


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 inructions 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 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 XXXX Acct # XXXX Account Name : XXXX XXXX XXXX Acct # 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 an 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 ( s ) 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 accurate.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report recently and I noticed that there are incorrect addresses that should be removed. I have tried to resolve this issue with equifax before and no results.
Product: Debt collection

I am writing to file a formal complaint against L J Ross Associates Inc., located at XXXX XXXX XXXX XXXX XXXX XXXX, regarding a utilities collection account that I believe has been erroneously reported under my name. This complaint is filed due to the significant financial hardship and distress this situation has caused, including the denial of housing opportunities. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ Partial for security purposes ] Company : L J Ross Associates Inc .

Incident Description : I have recently become aware of a collection entry on my credit report from L J Ross Associates Inc. for a utilities debt. I dispute the validity of this debt and contend that this collection is either a mistake or a case of mistaken identity. The presence of this collection on my credit report has severely impacted my financial standing, leading to the denial of housing applications, which has in turn caused me considerable distress and hardship. 
Actions Taken : I have attempted to resolve this issue directly with L J Ross Associates Inc. but have not received a satisfactory response or resolution. 
I have not received any prior communication regarding this alleged debt before notifying it on my credit report.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer with the right to privacy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. XXXX, XXXX, XXXX, EXPERIAN, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding this account. The continued inaccurate reporting of this account shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a 1099-c from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payment and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish. 
These financial institutions have violated the following Federal rules and regulations 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication 4681 The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. These companies have made my life difficult in reporting this account for the for several years. Now it is XXXX and I'm not able to get my family what they need
Product: Checking or savings account

on XX/XX/2024, I went in local branch to withdraw funds to pay rent, then I was advised " account frozen '' banker called and was given a number for me to call. I called and wasn't given any information, after visiting another branch same treatment. I have visited numerous branches ' and to this date, I still don't know why account frozen. Then on XX/XX/2024 Chase withdrew {$1400.00} stating " ACH Settlement Return '' I do not know what this is. I was advised that Chase can not use my Social Security funds to settle any type of debt!!!! That's what was in my checking account. Thank you for your consideration and I await your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd and final attempt to supply court documentation to Experian, XXXX, and XXXX regarding a recent lawsuit with XXXX ( Account XXXX XXXX  ). The lawsuit was DISMISSED due to XXXX 'S MOTION TO DISMISS FOR LACK OF DISCOVERY RESPONSE APPROVED BY THE JUDGE IN COURT. LACK OF XXXX RESPONSE ( LAW meaning ) : the ruling by a judge that all or a portion ( one or more of the causes of action ) of the plaintiff 's lawsuit is terminated ( thrown out ) - - The Plaintiff ( XXXX ) FAILED to provide evidence that the debt is owed to XXXX ( AccounXXXX XXXX XXXX  ). Therefore, the court DISMISSED the case - SEE ATTACHED SUPPORTING DOCUMENTS - Proper court documents are being provided AGAIN. I am NOT liable for this negative tradeline AND it should be permanently deleted from my credit file. I have contacted my attorney, XXXX XXXX XXXX in XXXX XXXX, TX and considering a lawsuit for willful non-compliance ( FCRA-616 ), IF this item is not removed.
Product: Credit card

The Credit Card Accountability Responsibility and Disclosure Act of XXXX requires that when a borrower makes payments in excess of the minimum amount, the extra amount must go to balances with the highest interest rate first. Discover card has failed to do this for at least a year, causing me to pay over {$400.00} in interest that I should have not had to pay. Their not following the law is most obvious last month ( XXXX XXXX ) when I had a balance of {$2400.00} subject to a 22.24 % interest rate, and a balance of {$6400.00} with a 0 % interest rate. The minimum payment on XXXX statement was {$170.00}, however I paid {$6500.00} for that month 's payment, which is obviously a lot over the minimum payment. Since so much of this payment was over the minimum payment, according to the Act, the {$6300.00} over the minimum should have gone to the {$2400.00} at XXXX & interest, and should have paid that balance off completely and no more interest should have been incurred. Instead, on my XXXX XXXX bill, there is still a balance of {$450.00} subject to the 22.24 %. This has been happening through XXXX. I contacted Discover customer service at the end of XXXX and questioned them about this and they said that I did not understand the law correctly and that they could apply the payments in a proportionate percentage. Upon my reading of the statute, and other commentary I 've read regarding the statute, I believe that Discover is incorrect and is charging interest when I should have been able to pay off the 22.24 % interest balance a long time ago through my consistently paying more than the balance. I do not know the exact amount they would owe me for this incorrect application of my payments, however I believe it to be over {$400.00} from both XXXX and XXXX interest charges that were charged incorrectly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX To : XXXX XXXX XXXX XXXX XXXX, GA XXXX To : Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear Sir/Madam, I am writing to formally request the correction of my credit report regarding my Navy Federal Credit Union account XXXX My personal belongings, including my drivers license, Social Security card, cell phone, and financial cards, were stolen and used for fraudulent activities. I have documented proof from multiple sources confirming that this information is fraudulent, and it has been blocked in the system in full compliance with the Fair Credit Reporting Act ( FCRA ) Section 605B, FTC, CFPB, and applicable USC codes. 

The account in question was fully paid and closed in XX/XX/XXXX. I am requesting that you update my credit report to reflect the account as paid in full with no late payments, in full compliance with USC 15 1666b ( a ), which states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

If the information can not be updated to reflect that the account is fully paid and there are no late payments, I request that you BLOCK, REMOVE, or DELETE this information from my credit report within 4 days in accordance with FCRA 605B. 

Please confirm the updates have been made and notify me in writing of any changes. Your prompt attention to this matter is appreciated. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX Navy Federal Account Number : XXXX ( Secured Loan )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the XXXX time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I filled out the bi-weekly form and sent it on the XXXX of XX/XX/XXXX. Their form states 3-5 business days to have it done. I called on XX/XX/XXXX and PHH stated they can not have biweekly setup by XX/XX/XXXX. I asked if there is a way, they can take two half payments this month and start bi-weekly on XX/XX/XXXX. they stated no. the only thing they can do is accept full payments. How is that right they can dictate what you pay on the mortgage. How are they able to push back so they can make more money off their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For commonwealth fiancial and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have a police report on file with Equifax in regards to these 2 accounts and being a victim of identity theft for over 10 years. The following accounts are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX, XXXX, XX/XX/2018, XXXX XXXX XXXX, XXXX, XX/XX/2018