23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX acc # 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 603 ( 2 ) i : States a costumer report does not include, report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S.C. 1681section 604 A section 2 : It also states a Consumer Reporting Agency can not furnish a account without my written instruction. 15 U.S.C. 1681e ( b ) states reporting agency shall follow reasonable procedures to assure maximum possible accuracy.
Product: Debt or credit management

Told me that the FHA payment supplement is jot available. When pressed that it is and must be enrolled by XX/XX/year>, I was told that yes Carrington is enrolling some, but its not available for me until after the deadline to enroll. 


Another in the long line of discrimination events against FHA borrowers who have needed assistance since COVID. As well as those who have a XXXX XXXXXXXX. We are easy targets they think.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans with XXXX have been paid in full. I spoke with XXXX on XX/XX/2023 and and XX/XX/2023 XXXX said they notified Transunion, XXXX and XXXX that these loans were paid in full on XX/XX/2023. XXXX stated they sent me a paid in full letter on XX/XX/2023 which I NEVER RECEVIED. I had spoke to Transunion, XXXX and XXXX all of them said that XXXX NEVER CONTACTED THEM STATING MY LOANS WERE PAID IN FULL. ATTACHED YOU WILL SEE WHAT XXXX SENT TO ME BY EMAIL. THEN I WAS TOLD ANOTHER PAID IN FULL LETTER WOULD BE SENT TO ME.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1900.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, has violate 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|
Product: Checking or savings account

My account was referred for closure because a check I deposited on the mobile app was deemed fraudulent, Citibank realized they made a mistake and contacted me apologizing and restored access back to my account and rescinded it. When they referred it for closure they placed all my funds in a subledger and its now been almost a month since they did this. Ive contacted them many times and they keep telling me they are adding the funds back to my account in 24-48 hrs and never do. I need my money back because I have bills to pay. They arent being helpful at all and are just holding my money from me from their mistake
Product: Credit reporting or other personal consumer reports

Equifax keeps removing and then relisting accounts on my credit report, I use credit karma and shows zero derogatory remarks and stated XXXX XXXX  has been removed i had to collections from XXXX that i was disputing and i look today XX/XX/year> and they are back on my credit report. how can they keep closing and removing and then adding them back?
Product: Debt collection

I purchased month to month insurance from XXXX XXXX XXXX XXXX and when I did not pay for insurance this company extended my credit with out my consent. Not knowing I was being charged it then went into collections by a company called CCS Collections
Product: Bank account or service

I signed up for a Citigold Checking Account from Citi in XXXX 2016 with a promotion of XXXX XXXX miles if certain conditions are met. The conditions are {$1000.00} debit spend and ( XXXX ) Pay Bills. After meeting the conditions I still have not received my bonus miles. It has been 2 months now and I have been in contact with Citi several times to get the bonus miles posted. I have been informed they would post within " 24-48 hours '' each time, but the miles never got posted. I feel like I 'm being stringed along without a proper resolution. 

I have fulfilled my end of the promotion and Citi is not honoring their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Student loan

The XXXX was given a Total and XXXX XXXX XXXX The loan was 2 years out of 3 when it was put back into payment, everything should have been finished years ago. 

This same loan was also included in a XXXX XXXX XXXX. The Attorney that handled the case stated the Student Loan was included in the XXXX. The Lender was made aware of this and acknowledged the XXXX. The Lender still insisted that the loan must restart again with interest for 3 more years and/or XXXX XXXX. This is the 3rd time this loan has restarted with interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX XXXX XXXX XXXXXXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX XXXX According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX can not provide requested information the credit bureaus must delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX multiple times do to a discrepancy on my credit report for an old auto loan that was opened. A late payment was reported on my credit in XX/XX/XXXX. This car was deemed totaled and the bank took possession of this vehicle on XX/XX/XXXX of XXXX. I have attached the total loss letter from the insurance company numerous times with no help on this matter. I have also disputed this inaccurate information to the credit bureaus numerous times as well with no help from the company..
Product: Credit reporting, credit repair services, 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 Account name : XXXX XXXX XXXX # XXXX Acount name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX I # XXXX Account name : XXXX  # XXXX Account name XXXX XXXX # XXXX Account name : XXXX XXXX  XXXX Account name : XXXX # 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 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. And i have filed police report as well
Product: Credit reporting, credit repair services, or other personal consumer reports

An item of public record has previously been contested on numerous occasions. The courthouse where the credit bureaus claim to have confirmed the account was contacted, and I was told that they had not provided the information requested. The credit bureaus were informed of the information I had obtained from the court, and it is still listed on my report without regard to how it would influence my ability to use credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX paid XXXX XXXX/XXXX XXXX fraud never had an account with either company. I wasn't even XXXX. I already disputed XXXX XXXX who took it off but this collection is not mine either. 
XXXX XXXX - I am an authorized user. Account does not belong to me. 
XXXX fraud never had an account with either company. I wasn't even XXXX. 
XXXX  account fraud this account does not belong to me.
Product: Money transfer, virtual currency, or money service

My wifes cell phone was hacked by an unknown person. This unknown person called the bank, This unknown person called the bank, tricking and deceiving chase bank into resetting our passwords. Chase allowed and approved a wire transfer of XXXX that was not approved by anyone on the accounts. Unfortunately due to this we were unable to make our {$20000.00} week payment for my wifes XXXX treatment. Unfortunately, my wife died due to chases negligence, chase has been extremely difficult, and has lied, saying they have not received please report or proof phone was hacked. A representative our local branch verbally told me not to worry, and that my accounts were covered from fraud. Sense We did not approve this wire Transfer. chase bank was defrauded directly from the fraudster, knowing this chase banks, negligence caused the death of my wife, mother of XXXX kids ages XXXX and XXXX.
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX of the XXXX XXXX creditor XXXX formerly 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  All 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 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 records of convictions of crimes which antedates the report by more than seven years. 

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

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need investigation : XXXX/XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$7500.00} XXXX/XXXX  XXXX Balance : {$4800.00} XXXX/XXXX  XXXX Balance : {$2400.00} XXXX XXXX Balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX My Account number XXXX,XXXX,XXXX,XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit
Product: Bank account or service

I requested the Bank of America to close my account as I am living these days in XXXX for the past 4 years. I used to get my XXXX benefits directly from XXXX, but due to this bank charging a fee and several ATM charges abroad in XXXX by the XXXX banks which will only dispense XXXX or nearly {$150.00} per transaction, I decided to close the account but the Bank though initially agreed to waive the fee for XXXX XXXX their bank statement dated XXXX, continued to start again charge me the very next day {$12.00} and refused to refund the money. In the meantime another small pension from XXXX in the sum of {$37.00} was credited to my above bank account, but the Bank of America will neither wire transfer the balance which is less than $ XXXX or send a cheque to my address abroad in XXXX. The customer care reps. have a nasty attitude and was adopting a dog in the manger policy. I want my money back and close the account. My discussions with them was quite unsatisfactory.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX 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 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 records of convictions of crimes which antedates the report by moreover 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: Debt collection

To : XXXX XXXX XXXX XXXX XXXX : You are claiming that I owe you {$260.00}. for the month of XX/XX/2020 for XXXX XXXX services. I do not owe you this money. Why do you keep saying that I owe this to the Credit Bureaus and to the collection agency " I. C. System? I do not have, and have not even had, XXXX XXXX XXXX XXXX XXXX services in over 7 years.
Product: Vehicle loan or lease

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 

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

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

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting as OPEN. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I have contacted my loan borrower quite a few times to get an answer on why my payment of {$9600.00} on XX/XX/XXXX is not reflecting on my balance. Only {$3100.00} was processed for the payment. 

Attempts of calls with long waits ( wait time was estimated to be less according to the automated machine system ) : XX/XX/XXXX XXXX ; waited XXXX minutes XX/XX/XXXX XXXX ; waited XXXX hour and XXXX minutes XX/XX/XXXX XXXX, waiting for XXXX minutes and told to enter the option to get a call back XX/XX/XXXX XXXX ; I emailed them to their written request email XX/XX/XXXX XXXX ; got the call back, talked to a woman ( call was XXXX minutes ), and she did not have an answer for me but did submit a request XX/XX/XXXX received a submission request confirmation email and to wait XXXX days to get to me XX/XX/XXXX I replied back to that submission request email I had received on XX/XX/XXXX because the timeframe stated was past due and I would like to resolve this issue XX/XX/XXXX I made three calls ( XXXX, XXXX and XXXX ), I would dial my selection to be able to speak to a representative but all of the calls would dropped until the last XXXX stated the center was closed. Their hours are Eastern time and I am on the XXXX time, their website states they closed at XXXX, which the center should have been open at the time I called. 

XX/XX/XXXX XXXX, was able to speak to a representative, XXXX XXXX after waiting for XXXX hours. She did speak to high supervisors concern my issue and then mentioned the payment does show up on their system, yet due to being a big amount of payment they were doing a deeper investigation on it. Did not give an estimated time on how long this can take.
Product: Debt collection

Hi, this is the second complaint I have filed with the CFPB on an old XXXX XXXX cell phone bill from around XX/XX/XXXX-XX/XX/XXXX. If I am not mistaken this was placed on my credit reports and then after seven years it was removed. 

For some reason, all of a sudden, I am getting debt collection letters now from a " second '' company requesting I pay this very old bill. 

I have already had this charged off and placed on my credit report and it was on there from around XX/XX/XXXX - XX/XX/XXXX. I do not owe this money because it was already put on my credit report one time and was already on there for seven years until it fell off my credit reports. 

I do not know why after nearly 15 years I am getting collection letters from debt collection companies on this account. 

My concern is that this charge is going to be placed on my credit reports " again '' for another seven years! 

Please help me with this. You have already helped me with the first collection agency who was trying to collect on this old debt, but now " another '' company is sending me letters. 

I have called XXXX XXXX to confirm this charge and since the account is so old they have no record of this bill, but yet I am getting debt collection letters now from a second debt collection company. 

I had already filed a complaint with CFPB regarding the debt collection company named : XXXX XXXX XXXX. There phone number is XXXX. That account number is XXXX. I thought CFPB had resolved my complaint with the XXXX debt collection company ( e.g. XXXX XXXX XXXX ), but now I am getting a 2nd letter from a XXXX debt collection company ( e.g. Convergent ) regarding this same very old cell phone bill that XXXX XXXX can not confirm whether or not I paid the bill or not because the account has been purged.
Product: Debt collection

I found a delinquent account from this company on my credit report and I asked them to verify this account and they have refused to. Even after I disputed this with them, they never put the account in dispute on my credit report like they were supposed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax collected my personal information without my consent and then did not keep it secure.