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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX  XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXXXXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ).

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX, NC XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting system is dependent upon my consumer report displaying fair and accurate information. OnXX/XX/2021 - EXETER FIN Account Number : XXXX added a derogatory mark on my credit report per XXXX. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by EXETER FIN has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA EXETER FIN has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00}
Product: Credit card

I got a care credit line from Synchrony Bank for dental work that I had to have done. I understood that there was a period of 6 months where my interest wouldnt accrue. What I didnt understand is that after that period if I didnt pay it off in full, all of the amount I had paid down would now have interest applied at over 30 percent rate. What Im really mad about is they didnt display a email note prominently in the month or two leading up to this happening. Shouldnt they have to send you a note highlighting that you are suddenly going to owe a large amount tacked on to your balance? I also have a promotional deal with XXXX XXXX and they sent me a prominent email note 2 months before the interest kicks in. Seems like a practice that CFPB would support if not mandate.
Product: Credit reporting or other personal consumer reports

my name is XXXX XXXX i have disputed with equifax and they have failed to delete multiple items from my report that are in clear violation with the FCRA laws that protect us as american consumers. i have wrote them multiple times and they havent responed within the 30 days period. they keep sayin i need a UTLITY BILL, ID, SOCIAL CARD that i have provided them on multiple occasions. i am also going to send them here to you guys so u can see that i have provided them with those items.. pls help me get the innaccurate credit report correct. its been way over 30 days and they still havent deleted the inaccurinceies even tho they are in clear violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 items on my credit report that do not belong to me. One is from XXXX XXXX, the other is from XXXX XXXX. The consumer reporting agencies and secondary data furnishers have violated my rights and continued to report these false accounts despite the fact that I notified them in XX/XX/2022. I also have provided them an identity theft report. According to The Fair Credit Reporting Act Section 605 B, any consumer reporting agency must permanently remove and block any item from a consumers file that the consumer informs them is a result of identity theft. Also, my rights are being violated for the simple fact that the accounts are furnished on my report without my written permission. This is a violation of 15 US Code 1681 Section 604 a Section 2. XXXX XXXX  is committing tax fraud by reporting this false account. The IRS considers charged off accounts to be income.
Product: Mortgage

I have been trying to work with J. P. Morgan Chase to turn my house back over to them. But I feel that the company would rather force me into a foreclosure. I have cooperated with the bank as much as possible and submitted all the necessary paperwork that they requested, even more times than I feel was necessary. But then I get a letter back from them stating that I'm not eligible for the deed in lieu of foreclosure or any other options that may involve turning the house over to them because the property is vacant. I had informed Chase bank several times that the property is vacant and they led me on through this process rather than just telling me that I was ineligible because the property is vacant. This is why I feel they're trying to force me into a foreclosure which would do more damage to my credit. Also, I feel that there are other options for us to resolve this issue without more harm to my credit that they may not be disclosing. Enclosed is the letter of denial from Chase and a letter from their attorney regarding foreclosure.
Product: Bank account or service

Hello, I opened up a Citigold checking account on XX/XX/2016 a promotion stating I would receive XXXX XXXX XXXX Advantage miles ( worth approx. {$500.00} ) after meeting XXXX requirements. 

I then met those requirements. I then called XXXX different Citi representatives who confirmed that I met those requirements and was guaranteed XXXX XXXX XXXX Advantage Miles to be deposited into my account by XX/XX/XXXX. 

Through this time I was charged two monthly service fees of {$30.00} each. After confirming this promotion was applied to my account, that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX Citi has refused to honor my points. 

I used my debit card for the purchase portion of the promotion on XXXX/XXXX/16. I messaged Citibank before making the debit purchase to confirm my purchase would be valid for the promotion. After months of waiting and without notice, Citibank decided that my {$1000.00} debit card purchase did n't qualify unless I can confirm and present my merchant 's payment coding information. I do n't keep any of my merchant 's payment coding information and no one ever told me to hold onto this information over the last 6 months. I had multiple conversation which confirmed the eligibility of my debit purchase before I made the purchase and directly after. 

During this time I was charged {$60.00} of fees and I will not be getting {$500.00} worth of XXXX XXXX Advantage miles. What is most frustrating is that I called Citibank and they confirmed I met the criteria for this promotion two times. 

There are hundreds of people in the same situation as me. I 've talked to other people online who have had the same problem. It is not fair from citibank to guarantee something and then take it away randomly. Citi has lied to me and and taken my money. 

I have to pay my services fees and my part of the contract, but apparently Citi does not have to pay theirs. This is totally ridiculous and someone needs to do something. 

Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over 18 years of age, and I had never before held a consumer checking account with Citibank. 

Thank You
Product: Checking or savings account

Overdraft fees I can't access statements previous to XXXX From XXXX there were about XXXX $ in overdraft fees. I communicated to the bank that I was struggling and paid to get my account current each time. I was not once compensated for the fees and would like to be compensated please.
Product: Credit card or prepaid card

my social security number [ credit card ] was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX XXXX. 

Application ID # XXXX Adverse action against a consumer is AGAINST THE LAW according to the EQUAL CREDIT OPPORTUNITY ACT which is codified in 15 USC 1691c
Product: Credit reporting or other personal consumer reports

Unauthorized Personal Information Disclosure : The disclosure of my personal information to credit reporting bureaus without my explicit consent may violate the FCRA, the Privacy Act of 1974, CFR Title 16, Part 313, and the UCC 's consent mandates. 
Discharged Debts Still in Collections : The continued collection efforts on discharged debts represent a breach of the FDCPA, UCC Section 9-607, underscoring the need for accuracy in debt collection practices. 
Misrepresentation by Debt Collectors : Misrepresentation regarding debt collector identity and debt nature directly violates the FDCPA, UCC Section 1-202, requiring transparent and accurate debt collection practices. 
Lack of Clear Opt-Out Notice : Failure to receive a clear opt-out notice for the use of my personal information breaches the FCRA, CFR Title 16, Part 313, and the UCC 's consumer information protection requirements. 
Failure to appropriately credit my account with dividend payments made off treasury coupon nor certificates of indebtedness due following a charge-off, which constitutes an error under the Electronic Fund Transfer Act ( EFTA ) , 15 U.S.C. 1693-1693r, and its implementing Regulation E, 12 CFR Part 1005. This notice is to inform you that the anticipated adjustment through certificates of indebtedness has not been processed correctly, adversely affecting my account balance and my rights under the EFTA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Experian on XX/XX/XXXX stating my credit score had changed. I logged into my account and found out my score dropped XXXX points on XX/XX/XXXX. I want to know why. Some background : First, as of XX/XX/XXXX, I had no credit score. All my accounts were discharged in XXXX XXXX Bankruptcy. This, in of itself was an error as I recertified my car loan at the time of my bankruptcy. This error was rectified on XX/XX/XXXX and I had a credit score somewhere around XXXX. 

So I called in to Experian today and spoke to no less than 10 different people. The bottom line is they can't tell me why my credit score dropped XXXX points yesterday. I have requested a supervisor callback but no one has called yet. 

I want to know why my credit score dropped XXXX points. Specifically. Not a general reason. The actual reason. 

There are two possible events that could have caused it : First, on XX/XX/XXXX, I applied for credit at a XXXX XXXX XXXX. After applying, I was approved for {$5000.00}. I then found out it was for a lease. I was not told I applied for a lease. I was told it was credit. I said no and found another way to pay. 

IF they think I took out a {$5000.00} lease, I can see why they would have dropped my credit score XXXX points but I did not do this and I would like to dispute it. They do not see it so I can't dispute it. 

Second, XXXX XXXX XXXX controls my mortgage. It was charged off in my bankruptcy. They can no longer report on this mortgage. I believe they did, which would be illegal. I think Experian used this illegally obtained information to change my credit score. I want to dispute it but they do not see it. 

I want the CFPB to MAKE THEM tell me why my score dropped XXXX points on XX/XX/XXXX and I want to dispute the reason. Right now, they are hiding behind the logic that they can't dispute what they do not see. Further, they say their algorithm determines my credit score - not a person. That is fine but if they are going to drop my score XXXX points in one day, they should be forced to disclose why. 

Please help me. I am desperately trying to build my credit score so I can apply for a home equity line of credit next XXXX so I can pay for my son 's college. I can't do that without a major increase in my credit score. This XXXX point drop screws me. 

Please let me know as soon as possible what you can to to help. Thank you.
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 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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. 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.
Product: Credit reporting or other personal consumer reports

I am reaching out to address discrepancies I have discovered in my personal credit report. These inaccuracies are adversely affecting my financial status. While I acknowledge the possibility of errors, I am well-versed in the dispute resolution process and understand that investigations typically take thirty days. 

I wish to highlight the following errors : XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 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 XXXX XXXXXX/XX/XXXX
Product: Debt collection

Debt Collection Law Firm in over 14 FDCPA and FCRA and CFPB violations. 

Have filed a frivolous lawsuit without answering and proving they are the holder in due course, have a signed contract with my name on it or have a contract to collect on behalf of XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, you are required to delete any incorrect accounts from my credit report. Please examine the documents, as some of the listed accounts have inaccuracies in the reported amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquires on my credit report from Equifax and wrote several letters to dispute the unauthorized inquires being reported by this company XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX  XX/XX/2021 Each the above inquires were not authorized by me and I do not recognize them. This is causing a negative impact on me
Product: Credit reporting or other personal consumer reports

I have identified several items on my credit report that I do not recognize, suggesting that my identity may have been compromised. I did not authorize these accounts, and I have previously reported this issue. I am now requesting the immediate removal of these unauthorized accounts from my report. Their presence is causing me considerable distress and does not accurately reflect my credit history or financial responsibility. Resolving this matter has been difficult, and if it remains unresolved, I am prepared to take legal action to protect my rights. These inaccuracies are significantly impacting my ability to reach important financial goals, such as purchasing a home and supporting my family. I trust we can resolve this promptly.
Product: Credit reporting or other personal consumer reports

I disputed Debt Collection with XXXX back in XX/XX/XXXX regarding collection placed on my account by XXXX XXXX. However, I don't feel like my dispute was properly investigated. It does not satisfy me the outcome of XXXX investigation as the collection of {$7300.00} still remain on my account until XXXX XXXX XXXX as stated. I find this so unfair as XXXX XXXX was failed to provide me information to validate the debt they are trying to collect. 

Also, there are some old accounts still remain on my credit that should have been removed or deleted.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2021 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY