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

After many efforts, I need your help to have information removed from my credit report with Equifax, XXXX, XXXX, and XXXX XXXX XXXX XXXX ( XXXX ). 

From XX/XX/XXXX to XX/XX/XXXX, I have requested on 4 times ( each ), for the credit bureaus and reporting agencies to remove inaccurate information, information that should not be on my credit report, and information not submitted by its furnisher. 

During the same time period, I notified furnisher providing information by letters to the credit bureaus to no longer share my account information with anyone besides myself. I also requested the furnisher to remove information that should not be on my credit report or inaccurate. 

ITEMS TO CORRECT : Remove XXXX XXXX XXXX This account was included in bankruptcy and charged off the furnishers profit and loss, thereby changing the status ( which is no longer a debt ). Needs to be removed from credit report with Equifax, XXXX, and XXXX. 

Also notified ( mailed 4 letters to 2 address each ) the furnisher, XXXX XXXX XXXX and who has willfully not complied with my requests. 

Remove XXXX File transferred to Dept Of Ed / XXXX and is now a duplicate file and has not been removed by Equifax. 

Remove XXXX XXXX XXXX This file just appeared on Equifax, and I do not have a relationship with this company. 
This is a medical debt that infers I had radiology services ( HIPAA violation ) that I have no knowledge of. I called them and they got aggressive and hang up on me after insisting I owe this debt. I emailed them a cease and desist letter and demanded they remove this from my credit report. 

Remove Bankruptcy I provided XXXX, XXXX, and XXXX with a letter from the court stating they do not furnish information to the credit bureaus. The bureaus were all reporting different information, court location filed incorrect, wrong amount, wrong type, and wrong dates. 

After the bureaus received the court letter, they updated the information based on what the one bureau was reporting, instead of removing the inaccurate information. The information was not furnished by the originator the court. Bankruptcy should not be on my credit report. 15 U.S. Code 1681c ( 6 ) ( a ) ( 1 )
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 : Account Name XXXX XXXX  XXXX # XXXX {$410.00} Account name : Self Lender {$520.00} 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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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

XXXX  loans were officially discharged in XXXX 2024. XXXX failed to delete tradeline from report after several requests ( verbal, and online disputes ). I have included documentation from the U.S Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to you because I reviewed my credit report, and this company is reporting a hard inquiry on my credit report. I never applied for credit with this company.
Product: Credit card

Synchrony Bank and its terrible customer service have harrased and locked my XXXX XXXX card, even though the requested XXXX was updated with them, 4 times by 4 different customer service reps. These 4 customer service have never bothered to update the information that Synchrony Bank. On XX/XX/year> I spent 20 minutes with a customer service who said she would update the XXXX and remove the lock on my credit card account, that I unware was there again for the 4th time. The customer service rep did not do her job and my credit card account is locked, even the requested information was updated over the phone.
Product: Credit card or prepaid card

I have the Citi Prestige card from Citi Bank which has a {$490.00} and as part of the benefits allow for two " fourth night free '' hotel bookings each year. I have tried to use this benefit over the last few weeks only to be told that I do not have this benefit available to me despite that it is a benefit of this card in the terms and conditions of the card member agreement. I have had a few hours of calls with Citi and finally had a representative admit to me that there is a known system issue preventing cardmembers from using this benefit and there is no known resolution date and they may or may not resolve it this year even. I attempted to place my annual fee of {$490.00} in dispute as a " problem with goods or services '' while this issue was resolved but Citi indicates they are exempt from disputing their won charges. I don't understand how Citi can charge me the annual fee while knowingly not providing the full benefits of the card. While I understand technical issues happen I should have some protections should this issue not be resolved ; and Citi has indicated that I only have 30 days from the date of the annual fee billing after which time I will have no entitlement to any refund of my annual fee ( even if they don't resolve the benefit issue ). 

This clearly appears to be a fraudulent and deceptive business practice and I would appreciate a response from Citi bank corporate as to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called Fortiva is saying that I have a closed account with them and owe {$700.00}. The account was opened this year. I reported the fraud and tried to dispute the transaction and they wont help me.
Product: Credit card

While I asked questions regarding to my mortgage and checking accounts on the phone with Wells Fargo, they promo their " Rewards '' credit card and I got transferred to application dept. 

After I applied the credit card over the phone, I never received the credit card. One day, I saw there are a balance of XXXX {$7600.00} on my credit card account ( which I never received, activated or used ). I called there representative and they filed the claim to their Fraud dept. and update my new address and also cancelled the old card and send me a new one. 

After a week, I got the new card but I do not want to activate it until the problem resolved. So I checked online and saw the balance of XXXX {$7600.00} still there. I called their Fraud dept. and found out they denied the claim and they said I was using " Home '' ( fake ) phone number XXXX to activate the credit card ... I told them that is not my phone number. They said that what they have on file and ask me to resubmit a claim through another department called " Reconsideration '' dept. That take another 10 days to allow Fraud dept. to work on a new investigation, they suggest me to pay the balance. I feel very frustrated to deal with their depts ....
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit 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
Product: Mortgage

I applied for the purchase of a house for XXXX. At the time it was the best offer, so I qualified for the loan and got it. After the appraisal the loan officer found out it was worth a lot more money XXXX over and sent XXXX other inspectors. At this time I had already payed for my own inspector and he told me everything was in good shape and everything it needed was cosmetic. One of the inspectors he sent supposedly found mold under the kitchen sink and that that would cost $ XXXX to fix. The red flag was this inspector was also his contractor that would fix all the problems. Then the contractor offered to fix the mold problem on the weekend for $ XXXX. They found out that contractor didnt have a license so we had to get another contractor with a lot of qualifications and he sent another contractor charging exactly the same thing for the mold cleanup. All the cleaning it needs is bleach and kills paint. Total I had to pay extra at closing was $ XXXX for painting the outside trim paint the inside of the house replace the cabinets and a ten by ten pice of flooring. I had a quote from a contractor to do all that for $ XXXX. This contractor didnt meet all the credentials the bank was asking. I was also charged for a final inspection which didnt pass because the previous owners had left a mess and pictures and frames on the wall. I didnt have a key and the house wasnt mine yet to clean it. The loan took over three months to close and the interest went from seven to eight the loan officer added $ XXXX to my loan to keep it at seven.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS GOING OVER MY CREDIT REPORT THE OTHER DAY AND NOTICED THAT COMPANIES THAT I DIDN'T GIVE PERMISSION HAD PULLED MY CREDIT.
Product: Mortgage

the company has increased the amount of Escrow Account payments even i paid the home insurance for the rest of this year XXXX and I requested many times since XX/XX/XXXX to close Escrow account but they denied. 
My payment in XXXX as follow 1 -Escrow ( XXXX ) 2 -principle and interest are ( XXXX ) now needs increase the escrow account to ( XXXX ). 
that's why ask them to remove my screws account so i can pay it by myself.
Product: Credit reporting or other personal consumer reports

My account with XX/XX/XXXXXXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 to the consumer not later than 21 days before the payment due date.

XX/XX/XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I got my annual credit report and there were a lot wrong information and inconsistencies on my report I take action right I wrote the credit report bureau right away. the point out the problems on my report and for the the fix the errors, I wrote the letters on the XXXX of XXXX today is the XXXX XXXX I have yet to receive any information or correction from on my report.
Product: Debt collection

My mother keeps receiving calls ( twice in XX/XX/XXXX and one at the end of XX/XX/XXXX ) from Malcolm S. Gerald and Associates regarding debt that has been paid in full more than 7 years ago. I have copies of my credit reports ( upon your request I will forward ) showing this debt has been paid, and there is no other delinquent debt in my name. I have also never received a debt validation statement or any kind of written communication proving I owe this debt after any of the phone calls.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a bankruptcy associated with my credit file. Despite previous disputes and your claim that the item was " verified as accurate, '' I have confirmed directly with the court that this information is neither reported by nor verified through them. This constitutes a significant misrepresentation or error in your reinvestigation process and is a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), XXXX is required to perform a reasonable reinvestigation when a dispute is filed. By relying on unverifiable information attributed to the court, your investigation failed to meet this standard. Your response stated that the bankruptcy information was " verified with the court. '' However, the court explicitly confirmed that they do not provide any information to credit reporting agencies. This suggests either an error or a deliberate misrepresentation in your reinvestigation process.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. 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 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the predatory lending practices and inaccurate reporting of information by XXXX, a creditor with whom I have a loan agreement. It comes as no surprise to me that XXXX ranks among the top 100 companies with complaints to the CFPB, given my firsthand experiences with their unethical conduct. 

XXXX has consistently reported inaccurate information to all three major credit XXXX, Equifax, and XXXXregarding late payments on my account. These late payments have been reported inconsistently, with varying information provided to each credit bureau. Despite my repeated attempts to rectify this situation and request validation of the data reported to the credit bureaus, XXXX has failed to provide satisfactory documentation or proof of the reported late payments. 

Moreover, XXXX employees have resorted to harassing tactics, repeatedly calling me after I escalated my concerns to the CEO via email. Despite my legitimate requests for documentation and proof of the reported late payments, these employees have dismissed my inquiries and even claimed that such documentation does not exist. 

For over two years, I have diligently made payments on my loan, yet due to XXXXXXXX XXXX predatory lending practices, the balance has decreased by less than 15 percent of the original finance amount, despite paying {$650.00} per montha significant financial burden for me. Adding insult to injury, XXXX has failed to send regular statements regarding my account, further complicating matters. 

The inaccurate late payments reported by XXXX have severely damaged my credit and financial reputation, making it challenging for me to access credit and financial services. Despite my efforts to resolve this matter with XXXX, they have shown no willingness to rectify the situation or provide me with the necessary documentation. 

Therefore, I implore the Consumer Financial Protection Bureau to intervene and conduct a thorough investigation into XXXXXXXX XXXX predatory lending practices and inaccurate reporting to the credit bureaus. I ask that XXXX be held accountable for their actions and that they are required to provide me with the documentation and proof of the reported late payments as requested. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address these issues and protect consumers like myself from predatory lending practices and inaccurate credit reporting. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX, These inquiries all unauthorized and is a violation under FCRA and much be deleted my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : XXXX XXXX ( Finance ) XXXX  XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX these illegal inquiries are reported illegally on my XXXX XXXX report, XXXX report, Equifax report, and XXXX XXXX report. It must be removed ASAP. Also, my XXXX XXXX report has many errors including my date of birth of XXXX XXXX, XXXX which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXXalso, my XXXX XXXX has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : { USBK COURT XXXX XXXX XXXXXXXX XXXX XXXX XXXX } I have previously disputed the above ite with you. You verified the item as accurate. Stating that you have verified the information with the court. I contacted the court and their response was " WE DO NOT REPORT TO CREDIT BUREAUS ''. 

They made it clear that they DO NOT REPORT TO XXXX, XXXX, EXPERIAN or ANY other bureau for that matter ; therefore, your initial response verifying the item with the court was either an ERROR or a LIE. 

Either way, the reporting requirements DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ), and the information MUST BE DELETED IMMEDIATELY. 

By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted this item. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.