23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Starting in XX/XX/XXXX I was a recipient of Citibank CitiAssist loans for my education at XXXX XXXX College in XXXX. In order for a Co-Signer to be released from my loans according to Citibank Policy, I needed to make on time payments for the first 48 months of my repayment plan. The first 48 months began when I was one year out of school. At that time I was just beginning my career and making an entry level salary. There was no way I could possibly make a {$600.00} per month payment as I had rent, bills and other federal student loans. Citibank was unwilling to work with me to lower these payments. This policy offers new graduates no chance of releasing their co-signer who could in turn assist in the refinancing of of these loans from a 3rd party. This practice keeps loan recipients in a hole of debt that is impossible to work out of independently. It is a poor and predatory policy. 

I submitted a request to release my cosigner which was denied several times. On XXXX/XXXX/XXXX I faxed a dispute and CC 'd The CFPB. I received a letter yesterday XXXX/XXXX/XXXX denying my request to release my co signer based on the 48 month policy stated above. This letter is attached. 

Also attached is my payment history. You will see that since XX/XX/XXXX I have been making full and on time payments ( with the rare and extreme exception of a 2 day delay ). You will also see I have made small additional payments towards my principal when possible. 

Base on my PROVEN ability to make my monthly payments, I want my cosigner released from all loans with citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in Violation for of FCRA rules, and FDCPA. ( Please see detail attachment ) Experian is currently reporting damaging information on my credit report. 
As it appears on my Experian credit report : XXXX XXXX   XXXX Account # XXXX In Violation for not reporting last date of payment ; .account must be removed : as it appears on my Experian credit report : XXXX XXXX  XXXX currently reports inaccurate last date of activity, a violation ; delete account. 

: As it appears on my current Experian credit report. 

: XXXX XXXX  XXXX currently reports inaccurate last date account has been updated. 

Please delete account for reporting inaccuracies.
Product: Debt collection

They have honestly stop calling me when I say that I too have them on a recorded line after asking for debit validation numer
Product: Credit reporting or other personal consumer reports

If you look at all my accounts never late and this payment was made on time centeral standard time but XXXX XXXX company is est and it slipped my memory and I have been trying to reach a supervisor and can not get thru to talk with XXXX to try and correct this issue. I have had XXXX late payment over the last XXXX to XXXX  years
Product: Mortgage

I was thinking of refinancing my VA mortgage. I called a few brokers and they quoted over the phone and via email some rates. I decided to call XXXX XXXX, I have seen many of their TV ads. I talked to a XXXX XXXX XXXX XXXX over the phone and asked him to quote his rates for a 30 yr fixed. He informed me that he " did not have the rates '' but if he asked me a few questions that he could give me those rates. I informed him of my approximate credit score and told him that all I want is the rates. I told him I did not wany him to run my credit, He told me that if my credit score was as high as I said that running a credit check would not change them. I gave him the info he needed and after he gave me the rate I told him that I was not interested as the rate was 1 point higher than some of the rates I was quoted. Under no circumstances was I interested. 3 days later I received an loan application all filled out with a loan number, as if I was applying for the loan. They did not even have the courtesy to mask my and my wife 's SSN, I then received a phone call from them asking why I withdrew my application! They have sold my info to other companies because I am getting a phone call from other companies almost daily.I was never told nor did I give them permission to fill out an application, I am sure this effects my credit score and history, they had no right to do this, I feel they are taken advantage of veterans.
Product: Checking or savings account

On XX/XX/2020, opened an account in response to {$500.00} promotional bonus offer and despite meeting all requirements have not received the promotional bonus. In addition, received from this institution a letter of investigation related to fraud on my account. Upon chatting with representative on XX/XX/XXXX, to inquire about the status aforementioned bonus payment, was told there is a fraud block on my account and that I would need to contact department by phone. Immediately called, was transferred around couple times, spoke to an individual by name of XXXX, who was said to be able to assist, and eventually said he couldn't help and I should go to a branch. Given circumstances related to coronavirus, I am not going to expose people or myself to possible infection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt on my credit file that I not owe. I have never heard of this debt and received not one notification, letters, or any phone calls regarding this debt. I found out about this debt when I checked my credit file, and immediately paid it. XXXX XXXX is in clear violation of my 30 day right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a roommate who lived in my home for several years. I was not aware that they illegally acquired my information and over the course of these last several years used my information in an attempt to acquire credit with various credit companies. 
I contacted by phone Experian and they were very helpful and removed the inquiries in question but then about a month later-reinserted those inquiries without any notification to me whatsoever. I also called XXXX and XXXX and was told that hard inquiries were not allowed to be deleted. That is not an accurate statement and the FTC has provided me with a letter acknowledging that I am the victim of identity fraud. I would like to have any inquiries that I did not personally make and or sign for removed as soon as possible. Since different credit bureaus have different inquiries I would like to have a dispute opened for me with a representative so I can accurately and fairly get my information updated. Thank you
Product: Credit card

I opened account with Capital One for credit card then was closed six years ago. a fraud occur to my account last year and Capital One have reported delinquency on my account bringing my credit score to a very low score preventing me from getting loan to purchase a home. Capital One claiming it is a mistake and will be resolved waiting 60 to 90 days. This delay will cause me losing my deposit for {$48000.00} with the home owner. Your help is appreciated to resolve such issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this problem multiple times with the company and they still wont fix the problem. 

I am a natural person, I am a living human being, I have rights under 15 USC 1681. TransUnion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion written permission to furnish these accounts. Inquiries
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to ensure the accuracy and verifiability of multiple items on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite providing Experian with a formal dispute letter dated XX/XX/XXXX, which outlined specific inaccuracies and requested corrections, Experian has yet to adequately address these issues. 

Disputed Items Bankruptcy Filing ( Case # XXXX ) Experian is reporting this public record inaccurately and without proper verification. 
Under FCRA 609 ( e ), I requested Experian verify the source of this information and confirm it was obtained directly from court records or a credible provider. 
Experian has failed to demonstrate that this record is accurate or properly sourced. 
XXXX XXXX ( Account # : XXXX ) The account is listed as " Petition for XXXX  XXXX Bankruptcy/Never Late '' but lacks payment history and updates since my alleged bankruptcy filing on XX/XX/XXXX. 
This is unverifiable and outdated, violating FCRA XXXX. 

XXXX ( Account # : XXXX ) This refinanced account is outdated and lacks verification since its last activity in XX/XX/XXXX. 
Experian must remove unverifiable accounts under FCRA 623. 

XXXX XXXX Account # : XXXX ) Experian is reporting this as " Closed at credit grantor 's request, '' which negatively affects my creditworthiness.

I requested this remark be corrected to " Closed by Consumer, '' as required under FCRA 1681e ( b ). 

XXXX ( Account # : XXXX ) This account is marked as " Closed at consumers request. '' Experian has failed to verify this comments accuracy, violating FCRA 1681e ( b ). 

XXXX XXXX XXXX XXXX ( Account # : XXXX ) This account is incorrectly reported as included in my bankruptcy, despite being removed from my XXXX report for similar inaccuracies. 
Experian has not verified or updated this account, violating FCRA XXXX. 

XXXX XXXX  ( Account # : XXXX ) This account is listed as " Transferred, closed/Never Late '' but lacks updates or payment history since XX/XX/XXXX. 
Inaccurate and outdated reporting violates FCRA 611.

Unauthorized Inquiry : Ally Credit Card/CWS ( Inquiry Date : XX/XX/XXXX ) I do not recall authorizing this hard inquiry, which violates FCRA 605A XXXX 
I requested its immediate removal.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as the Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I called USAA on XX/XX/XXXX to report my Amex stolen. I later received an account notice that card info for XXXX XXXX  had been updated to allow purchases while a replacement card is shipping. The morning of XX/XX/XXXX I attempted to purchase groceries and the XXXX XXXX  was denied 3 times. Upon contacting USAA they denied existence of the notification and said nothing about my having been informed of continued access to my credit and subsequent barring from use. I think this is a violation of consumer protection and credit standards.
Product: Credit card or prepaid card

I purchased a pre-paid debit card from giftcards.com ( part of the Blackhawk Network ) on XXXX  loaded with {$500.00}. On X/X/2017, I took the card to XXXX and used it to pay a bill. The bill was for {$5000.00}, so I had to split the payment. The bill pay did n't go through due to a technical issue, and the full amount was refunded to the pre-paid debit. I tried to use the card several days later after the amount showed up on the card ( per giftcards.com 's online balance checker ), but it was declined. I called customer service on X/X/2017 to see why this happened, and they told me that they would look into the incident ( ticket number XXXX ) and get back to me in one to two business days. I called giftcards.com again on X/XX/2017 to inquire about the status, and was told that they had stopped working on the ticket, but did n't tell me. I spoke to several people including the supervisor, and they repeatedly told me to resolve it with XXXX, even while admitting that they were holding my money - XXXX does not have it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX ( Original Creditor : XXXX   ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX  XXXX ( Original Creditor : XXXX ) XXXX, XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

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. 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. 
The information is not accurate and I would like it to be removed from my report, immediately. I have attached supporting documents. Please review. 

I filed a previous complaint ( XXXX ), and the addresses were moved to the previous address section.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent Transunion a letter informing them than a closed XXXX account # XXXX was not reporting the late payments correctly, and was inconsistent with XXXX and XXXX. I requested that they conduct an investigation and fix, modify or delete the late payments. I got no response. The letter was delivered via USPS  tracking number XXXX on XX/XX/XXXX and signed by XXXX XXXX On XX/XX/XXXX, I sent a second letter to Transunion regarding the same account mentioned above, and reminding them that they did not respond to my first letter, and to delete the account for the following inaccuracies : 1. Late payment are not accurate and inconsistent with XXXX 2. Payment status not accurate and inconsistent with XXXX 3. Closed date not accurate and inconsistent with XXXX 4. Open Date not accurate and inconsistent with XXXX 5. Last Activity not accurate and inconsistent with XXXX 6. Comments not accurate and inconsistent with XXXX This second letter was delivered to Transunion on XX/XX/XXXX via USPS certified mail tracking number XXXX and signed for by XXXX XXXX. 


As of today XX/XX/XXXX, Transunion has not responded to any of my disputes, failed to conduct an investigation, and failed to update said account as requested in my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and update late payment from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. The account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. The account that I am asking to have verified for accuracy is : XXXX XXXX XXXX with an open date of XX/XX/year>. Account # is not listed on ANY of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the 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 can not treat an account under an open-ended consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$630.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$450.00} XXXX XXXXXXXX Balance : {$630.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00}
Product: Credit card or prepaid card

I have tried 2x to transfer money from my XXXX  XXXX to my Credit Card. Each time I have to pay interest and fees. The 1st time they said it went towards interest and fees even though on the portal it had the dollars in savings needed to transfer. So I did a second payment to put me over that threshold so I can transfer to my credit card and verified with supervisors and reps I was told it takes 5 business days. Now it's been two weeks. The company does not tell the interest fees etc up front when we make a paymenynsonwe are paying blindly and we are never shown what these " fees and interest fees '' are. I requested via email that they fix this so consumers know what they are paying up front and assure their payment is enough to transfer fees to their credit card. In the emails I attached the supervisorsl initially said I had. enough I'm my account then sent another email contradicting that saying it wasn't, even thought every rep and supervisor said it was.He said he added XXXX to my credit card for inconvenience to Increase my credit limit, that didn't happen instead it says negative XXXX and the same credit limit that needs to be fixed. this company needs to stop charging expedited fees because the process is far from expedited
Product: Debt collection

Please be advised this is my FIRST WRITTEN REQUEST. The unverified item listed on my credit report is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I demand the following accounts be verified or deleted immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate listing of a collection on my credit report that is currently marked as " open. '' According to 15 U.S.C. 1681s-2, furnishers of information must ensure that the information they report is accurate and complete. This collection does not accurately reflect my financial obligations.

Additionally, under 15 U.S.C. 1692, I have the right to dispute any collection account that I believe to be inaccurate. Therefore, I request that this account be investigated and removed from my report, as its current status is misleading and does not represent my actual credit history. 

I appreciate your prompt attention to this matter and look forward to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has pulled my credit information twice in XXXX, I have never applied for credit with bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions completed by me as the consumer : 1 ) XXXX XXXX XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES ARE STILL ON MY CREDIT REPORT AS OF TODAY XX/XX/2022 EXPERIAN IS LYING HERE IS THE PROOF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My EXPERIAN report number is XXXX THESE INQUIRIES have 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 also let me remind you the FCRA says I will be compensated {$1000.00} per offense
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX  XXXX Balance Owed : {$22000.00} XXXX  XXXX XXXX XXXX  Original Creditor : PROGRESSIVE ) XXXX Balance Owed : {$890.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.