23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a new card and received it in the mail and activated it. As I was attempting to add the card to XXXX XXXX as it requests in the app as part of the setup steps it asked to verify by sending a text to the phone number on file. I selected that option and never received the text. I tried to have them call and never received the call. I then called in to have them add the card to XXXX XXXX where they requested to call a landline which I dont have a landline to receive the code. They asked to call back later to get a verification code which I did and they called me back on my same number using call waiting and added it to XXXX XXXX. The representative said the card was unlocked and the fraud block lifted. After making a couple purchases on the card it got marked with a fraud alert again. I called back in and they asked if I had another bank account with citi I could verify with as well as a bank account I use to pay Citi which I did not have added yet. The only resolution has been to send a letter to my mailing address which will take 4-7 or 7-10 business days depending on which Citi rep you are talking to. They are preventing me from using my card as agreed on and they have not been able to tell me at all why the card was flagged as they were normal purchases they asked about and now the fraud block requires a different verification. The citi fraud team has been entirely unhelpful and the methods of verification dont have anything to do with my identity another landline apart from the number I applied for the account with shouldnt be the only alternate route to verify and I can provide ID background info etc but they are not consistent with the options I have to verify from one call to the next. I have requested a supervisor and it has been a terrible experience so far working with them. Part of the reason I applied for the card is due to the bonus miles from using the card but I am unable to spend on the card to achieve the bonus without access to my actual card so it feels a lot like a bait and switch so far. 

My ideal resolution to this would be that they are able to verify my identity so I can use the card and not wait for verification through mail in 7-10 business days when I just received the card to the same mailing address within the last 3 days so another piece of mail sent just proves I am at that address recieving mail but I obviously am if I have the card in my possession and activated it when they sent it to that address.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report that have unjustly impacted my credit score. Specifically, I am contesting the accuracy of a late payment reported by XXXX under account number XXXX, currently showing an outstanding balance of {$410000.00}. I request a review and correction of this account 's payment history. Additionally, I am disputing the reporting of an account listed by XXXX  XXXX, originally from XXXX XXXX XXXXXXXX, under account number XXXX, which is inaccurately marked as an active collection with a balance of {$1600.00}. This debt was settled, and I request an update to reflect a XXXX balance and removal of the collection status.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA ( XXXX XXXX XXXX acct # XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 


Account Name : XXXX XXXX XXXX acct # XXXX, has violated my federally protected consumer rights. 

According to the FCRA 15 U.S. Code 1681i ( 2 ) ( A ) ( i ) report containing information soleley as transactions or experiences between the consumer and the person making the report. 
15 U.S. Code 1666 ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered is mailed or delivered to the consumer not later than 21 days before the payment due date. 



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 of information, other than record of conviction of crimes which antedates the report by more than seven years
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are unauthorized : 1. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 2. Creditor : Make XXXX XXXX. 
Inquiry Date : XX/XX/XXXX 3. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 4. Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX 5. Creditor us SM bus admin XXXX XXXX Date : XX/XX/XXXX XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 8. Creditor : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX 9. XXXX XXXX XXXX Date : XX/XX/XXXX 10. Us SM bus admin XXXX Inquiry Date : XX/XX/XXXX 11. Creditor : XXXX Inquiry Date : XX/XX/XXXX 12. Creditor tax return but youve got to do it whenever you have a part theres no way around it now I know youre asking about disregarded entities to chill out Im trying to build a baseline : XXXX  XXXX Inquiry Date : XX/XX/XXXX 13. Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 14. Creditor : XXXX INQUIRY DATE : XX/XX/XXXX 15. Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX 16. Creditor : XXXX Inquiry date : XX/XX/XXXX17. Creditor : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 18. Creditor : XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 19. Creditor : XXXX XXXX Inquiry date :XX/XX/XXXX20. Creditor : XXXXXXXX XXXX  Inquiry date :XX/XX/XXXX 21. Creditor : XXXX Inquiry date :XX/XX/XXXX 22. Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX23. Creditor : XXXX XXXX XXXX XXXX Inquiry date :XX/XX/XXXX 24. Creditor : XXXX Inquiry date : XXXX XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized I have inquiries that I did not authorize or consent to be furnished on my consumer report
Product: Debt collection

HS Financial Group has violated Section 392.307 of The Texas Finance Code and Section 1066.26 of The Code of Federal Regulations by attempting to collect on Time-Barred Debt. Ive received correspondences from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX both collecting on the same debt at the same time which is impractical. Neither debt collector disclosed that both accounts were Timed Barred Debt. Failure to disclose a Time-Barred Debt is a direct violation under Section 392.307 ( c ) ( e ) of The Texas Finance Code. I have filed an additional complaint with The Office of The Attorney General to further disclose HS Financial Group business practice. 

Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when i was not recieving statements becasue i thought that loans were in defferment
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an inquiry on my report from XXXX XXXX from XX/XX/2023. I contacted Experian customer service and the agent refused to initiate the dispute. He said I had to contact XXXX XXXX myself. I asked to speak to a supervisor or manager and he refused to let me speak to anyone. 

I did not authorize XXXX XXXX to pull a hard inquiry and Experian refused to initiate the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all three burrow and updated my Information and to remove personal information that I don't want on my Credit report. According to the fair Credit act 12 USC 1681. I have the right to privacy, also according to 15 USC 6802 No financial institutions is not suppose to share my Information to any third party people.

This is a clear violation of my Federal protected consumer rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( XXXX XXXX XXXX XXXX The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries were made ( 5 of them on XX/XX/2023 ) on my credit report that I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to TransUnion, XXXX, and XXXX.. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXXXXXX Balance : {$22000.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : XXXX.
Product: Credit reporting or other personal consumer reports

Im accordance with the fair credit reporting act XXXX  account XXXX XXXX  Last reported XX/XX/XXXX, XXXX XXXX XXXX  Last reported XX/XX/XXXX, XXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX Last reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX, XXXXXXXX XXXX Reported : XXXX XXXX, XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score took a big dive XXXX down to the 600 's I logged into XXXX  and found a PayPal/SYNCB account that I knew nothing about and never opened, I suspect fraud and or identity left. This account has 170days of late payments which is destoying my credit score. I knew nothing about this and never received any bills or e-mails, since it was not me who opened this account. 
I found inquiry report that three times that day, my credit was pulled by XXXX/XXXX, SYNCB/PAYPAL and XXXX  XXXX / XXXX  I never authorized those and knew nothing about them. I have filed a dispute with XXXX. 
PAYPAL/SYNCB refused to give me any help or information, please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked personal information of a great number of users. I am listed as " potentially affected '' by their weak security and may had my DOB, SSN, Address, and name leaked.
Product: Debt collection

This number calls me at least 4 times a day. 
They usually hang up. So I, called back and requested information on this debt. He hung up once i asked. 
I called back and asked they stop calling me. It was around XXXX XXXX. He told me pay your debt and was very nasty. Yelling cursing and carrying on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending numerous sets of letters to Transunion so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this account affect my credit score.Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please repair or delete the late payment from this account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX but the bureaus did not remove them. 

Sec. 602 I have a right to privacy XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX  XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts, has violated my rights. 

XXXX XXXX XX/XX/2023 XXXX Bank XX/XX/2023 XXXX XXXX authorized this inquiries. 

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.

Additional I don't want received promotional offer of any financial department. 
Please delected this promotional inquiries please.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2024 Name of Credit Bureau Santander consumer USA Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

Account Name : Santander consumer USA Account Number : XXXX  Account Name : Credit acceptance Account Number : Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies.

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit.

Thank you for your immediate action to this issue. 

NAME ( Print name, Never Sign )
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding account # XXXX, which Bank of america claims such as " I owe {$420.00} '' or " my account was charged off {$420.00} '' This is a formal notice that your claim is disputed and in accurate and all monies claimed to be owed was debited from said account in 2020 yet has stayed on my report via chex systems preventing me from opening bank accounts for the past 2 years even though claim has been resolved since report date
Product: Credit reporting or other personal consumer reports

XXXX had reinvestigated and updated the XXXX XXXX account on my credit report, The Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( CRAs ). 

My credit report was updated and it's still showing incorrect payment history, it states that I was late 180 days for XXXX and XXXX of XXXX this is incorrect reporting, it's impossible for me to be late XXXX back to back. I'm putting XXXX on notice, they have violated my rights according to the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon obtaining a copy of my Equifax credit report, I noticed that there is an inquiry from an unknown source. This inquiry is one of nature that i did not initiate. I contacted Equifax on XX/XX/2022 to start a dispute or speak with a fraud representative. The agent that i spoke with XXXX stated that she could confirm that no account from this company has been open or reported on my credit report and that the only to have this inquiry investigated and removed was to submit a complaint or obtain a police report. I am submitting a formal written complaint as of XX/XX/2022 asking that Equifax begin an investigation into the inquiry that is reported on my credit report and to please remove this inquiry because it does not belong to me nor have I asked for any credit from this company. The inquiry in question is as followed : Inquiry : XXXX - Inquiry Date : XXXX Thank you in advance
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

The listed allegation of inquiry record is NOT currently proven to be reporting COMPLIANTLY, as Alleged Creditor ( s ) and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry ( ies ) deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion.. XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX CARD, XXXX, XXXX XXXX, XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan that I got at once with them On XX/XX/21 ... after a month on XX/XX/21 I did paid my first agreement.. hours after I received a credit alert from 2 credit report companys Checking my credit report account I found that Goldman Sachs pull out 3 times my credit report without any reason and made look that I tried to open diferentes accounts on those dates XX/XX/21. XX/XX/21 XX/XX/21 Ending decrease my credit XXXX points
Product: Mortgage

I, XXXX XXXX, would like to submit this complaint to CFPB in hopes of finding a resolution to settling my loan modification. I started this process ( loan modification ) back in XXXX of this year with Citi Mortgage and was approved for the loan modification ; However, I am in the process of losing my approval for my loan modification because I was informed by Citi Mortagae that my ex-husband had to sign the loan modification documents because his name was on the loan. Although this is accurate, my ex-husband signed over his legal rights to the home in the divorce decree and the warranty deed is in my name. I have attempted several times to get my ex-husband to sign the necessary documents for the loan modification but he has refused to sign and as a result of this, Citi Mortgage has decided to terminate my approval for the loan modification. It would be of great plesure if someone from your team could respond with next steps on how to get this issue resolved.
Product: Credit reporting or other personal consumer reports

Transunion is not following any of the laws and I'm going to file a personal law suit suit!!! I've asked Transunion numerous times to take this account off my credit report XXXX ( as the same account as XXXX 's which they removed and left the XXXX and it's the same company same fraudulent account that was open I sent police report FTC report and they removed XXXX 's and not XXXX! I need them to removed this off my credit report!! Send the ORGINAL address were the fraudlent account was open does not belong to me and it's not on my credit report or drivers liscence I have not seen the original signed aggrement. I need to get this item removed