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

this is my third dispute I am writing to dispute the charge-off reported on my credit report, which I believe may contain inaccuracies and violates the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I am requesting a RE-IVESTIGATION I identified the following late inaccurate payment XXXX. **Account Information : XXXX XXXX XXXXCreditor Name : XXXX [ XXXX ] - **Account Number : ** [ XXXX ] - **Date of LATE PAYMENT : ** [ Date of XX/XX/year> ] XXXX. **Violation of FCRA : ** The reporting of this LATE PAYMENT may contain inaccuracies or incomplete information, which impacts the accuracy of my credit report as guaranteed under the FCRA , specifically under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

I request that you conduct a reinvestigation into this LATE PAYMENT and provide me with the following information : - Verification that the reported LATE PAYMENT is accurate, complete, and reflects the correct details of the account.

- Documentation showing that the LATE PAYMENT was reported within the timeframe allowed under the FCRA and other relevant regulations.

Please note that under the FCRA, I have the right to dispute inaccurate information on my credit report and request that inaccuracies be corrected promptly. If it is determined that the account is inaccurate or can not be verified, I request that it be removed from my credit report if it can not be updated to paid on time never late/ 100 % on time payments.

Please provide a written response to this dispute within 30 days from the date of this letter. Your failure to comply with the FCRA may result in legal action being pursued against your agency for non-compliance.
Product: Mortgage

Hello, my name is XXXX XXXX. I recently refinanced my home in XXXX and have a new mortgage with citzen one home loans. The issue I am having is they are charging me double monthly in property tax. A county and city tax at an equal amount. Making it double. I have documents on this which you will see below. Also where they hide it and just double the city tax eliminating the county ... 
I have called a dozen times with the same response and terrible customer service. The answer I received was I have to pay that XXXX dollar difference monthly And wAit for the annual escrow analysis to come out to receive the difference. I am not equipped financially to do this. I work as a frontline XXXX XXXX at XXXX XXXX  in the XXXX XXXX. I refinanced to save money to get by not pay more!!!! I am getting no where with them and need help. Thank you in advance- XXXX
Product: Credit card or prepaid card

I opened an ApplePay account in XX/XX/2022. Goldman Sachs keeps putting charges on the card ( {$4.00} monthly and {$29.00} once ) there is no description of any of the charges. I have yet to use the card. 

They told me the only way to pay is to give Goldman Sachs access to my bank account and have them take the money out. 

I have called multiple times and they will not mail me a physical statement. 

I finally got them to email me a bill. They emailed me a bill for {$9.00} that states that it is due XX/XX/2022. They reported me delinquent on XX/XX/2022. 

The charges on the card are all in dispute. Goldman Sachs is threating me with this mark on my perfect credit -- this is blackmail.
Product: Debt collection

I am the wife of a military XXXX and the loan was approved/provided without knowledge. Not sure how. But can this be removed/ resolved. 

NCA Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account No. : XXXX High Balance : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : XXXX Condition : Derogatory Responsibility : Individual unkown unkown unkown unkown Remarks :
Product: Debt collection

Security Credit Services continues to report that my account is open and was opened in XX/XX/XXXX, making it look like this is a new account. It was from XXXX and was charged off then subsequently resolved a long time ago. I have disputed it numerous times and they refuse to update with accurate information and even if it was not resolved it will be too old to collect on in a few months anyway. To lenders it looks like a recent collection based on the information Security Credit Services provides.
Product: Credit reporting or other personal consumer reports

I'm quite troubled by the inclusion of this late payment on my account because my payment history has always been timely. This error is causing me distress, and I ask that you rectify it by removing it immediately.
Product: Credit card

I am the victim of fraudulent activity on my credit. I am in the processes of reviewing all of my accounts and have notify all XXXX creditors. My credit status has been and is currently under a fraud alert. I made a written request to Barclaycard 's on XXXX/XXXX/15 asking how to submit an FTC Fraud Affidavit. I am also requesting information of what is needed to process that request. IE A copy of Barclaycard 's written policies and procedures informing consumers how to request application information and business transactions records about consumers transactions alleged as the result of identity theft, as per the Fair and Accurate Credit Transactions Act ( FACTA ) I have received no response to my request. My letter was sent certified mail on XXXX/XXXX/15.
Product: Credit reporting or other personal consumer reports

I have done a mistake of only credit card utilisation of 99 % which is already my secured credit card but My credit bureau " Experian '' has been updated XXXX in my credit report & my all going XXXX is on XXXX & recently I already cleared a successful loan of my account. Is it a way to update credit report. Totally fake upgradation on Credit report by " Experian ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mulitple credit cards with Capital One. I reached out about getting some negative remarks removed. I was told to write a letter detailing what went wrong and why I missed my payments which were when I was XXXX overseas which I can provide my military orders. I was told later on through phone call that remarks would be adjusted but when I checked they changed the wrong dates and didn't fix what needed to be.
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 me 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 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. 


XXXX - XXXX Never 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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, JPMCB - CARD SERVICE Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is inaccurate. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX The inaccurate that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This report open for over a year and remains a major impact to our credit score. It has impacted our ability to get a loan or credit or buy. I have been in touch with the bank and XXXX and to date NOTHING RESOLVED EVEN THOUGH BANK HAS ACCEPTED XXXX cents final paid in full PAYMENT they continue to post as charged off XXXX cents. It is beyond unacceptable!
Product: Debt collection

On XX/XX/2022 National Credit Systems , Inc agency sent me a letter in the mail, seeking an unvalidated and incorrect amount on the behalf of their client - XXXX XXXX XXXX XXXX. The letter did not contain any itemization of the bill. The letter also did not include the section on my right to dispute or to verify it. Moreover, the letter only contained the phone number and a threat of reporting the debt to major credit bureaus. The debt has already been reported to all credit bureaus two months prior the letter was sent to me. There are already three instances of false information from this collection agency. Moreover, the agency is not updating the payments that I made to the original creditor, and continues to falsely represent it to the major credit bureaus.
Product: Checking or savings account

Below is the letter I sent to Capital One today, after two weeks of calling their customer service. They have not provided a satisfactory resolution or response.

Subject : Formal Complaint Regarding Unreasonable Restriction on Access to Funds Dear Sir/Madam, I am writing to formally complain about the recent closure of my account ( SSN XXXX ) and the subsequent unreasonable restriction on my ability to withdraw my {$410000.00} which represents substantially all my liquid net worth. This situation has caused me significant inconvenience and financial hardship, and I have had to borrow money from friends as a result. 

Over two weeks ago, I was informed that my account was closed, and I would not be able to access my funds until an investigation is conducted. Despite my repeated attempts to resolve this matter, there has been no progress, and I have been unable to withdraw my funds for over two weeks now, and an investigator has not even been assigned to my account despite my sending in all the requested information two weeks ago. This delay is not only commercially unreasonable but also has severe consequences for my financial stability. 

I find it unacceptable that the bank has taken such an extreme measure without providing a valid reason or a clear timeline for the investigation. According to the terms and conditions of my account and the relevant banking regulations, I am entitled to reasonable access to my funds. The current restriction imposed by your bank appears to be arbitrary and unjustified.

I request the following actions be taken immediately : 1. Expedite the investigation process and provide a specific timeline for its completion.

2. Allow me to withdraw my funds without further delay.

3. Provide compensation for {$7000.00} ( one months rent on my lease ) for the unreasonable delays and opportunity cost of not being able to close my lease within the original period because do the unreasonable delays in remitting proceeds from my closed account. 

If this matter is not resolved within the next day, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and take legal action to protect my rights and claim compensation for damages incurred. 

Please acknowledge receipt of this complaint and provide a response outlining the steps your bank will take to address my concerns. 

I trust that your bank will act promptly and fairly to resolve this matter. I look forward to your swift response. 

Yours sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA XXXX, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of XXXX XXXX XXXX XXXX which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

After reviewing my credit file on XX/XX/23 I identified a discrepancy with account listed under AFFIRM INC and validation was requested as this was ab account that I did not recognize. I reviewed my credit report again XX/XX/23 and the account continues reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, not has my credit report been updated to reflect the account is disputed. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting. I filed a dispute with XXXX XXXX XXXX. They did not respond to my dispute. This item should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 section 602 B states that I have the right for privacy 15 usc 1681 section 2 I also state the consumer agency can not furnish your account without my written um instructions XXXX XXXX XXXX Acct number XXXX XXXX XXXX XXXX Acct number XXXX XXXX XXXX  Acct number XXXX XXXX XXXX  Acct number XXXX XXXX XXXX  Acct number XXXX XXXX XXXX XXXX XXXX Account number XXXX Inquiries XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX  XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XX/XX/2021
Product: Credit card

XX/XX/2023 NAVY FEDERAL INVESTMENT SERVICES, XXXX XXXX XXXX XXXX XXXX, VA XXXX UNITED STATES Further FCRA, as a federally protected consumer : The term consumer means an individual who obtains, from a financial institution, financial products or services which are to be used primarily for personal, family, or household purposes, and also means the legal representative of such an individual. I am now opting out of ANY and ALL authorization, I the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 titled Obligations with respect to disclosures of personal information, which states : ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action
to prevent any further unauthorized access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 degrees that I obtained from XXXX to XXXX. I had 3 student loans and paid all 3 federal grants off in full. None are on my report. I purchase two houses between XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX and current address at XXXX XXXX XXXX XXXX  with my husband XXXX XXXX, XXXX. Neither are on my report. I purchased a car in XXXX from XXXX XXXX in XXXX ( XXXX XXXX XXXX and in XXXX I purchased a XXXX Truck from XXXX XXXX in XXXX. I was sick in XXXX and missed 1-2 months in two credit cards and now my score is ruined even though I paid those I also paid that off. None of these items is on my credit report. I think you purposely keep peoples scores low. I know you wont do anything. You always ignore what I say and side with Fico and the credit card companies and ignore all the things I have told you above and that is documented as early as XXXX. The ageism inherent in your complaint department and the lack of willingness to help me is so frustrating I have let it get the better of me. I am just tired of all the things I have done not being on my report and no one making any real attempt to respond to any of my concerns. I wont come molar again.I am fully aware that you dont care, wont believe me, and wont do anything to truly explore what Im saying but I am making one last attempt. I think the callousness with which you respond to complaints is disgusting.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX Balance {$480.00} Opened : XXXX XXXX XXXX XXXXXXXX Opened : XXXX XXXX Account type : collection Balance : {$530.00} These accounts are reporting Innacurate information to my report which I recently checked, submitted a complaint to the company more than twice and reported identity theft, have not gotten validation.I demand these accounts be deleted as soon as possible due to Innacurate information being reported and hurting my score from these third parties by law, which I had no accountability to be held within these matters of innacuracy, Thank you! Have a wonderful day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a certified dispute letter to XXXX stating the following : These items are inaccurate because student loans were consolidated XX/XX/XXXX, these are duplicate accounts. The consolidated loan shows up on page 5 of 10,  XXXX XXXX XXXX Partial Acct # XXXX. I am requesting that the items be removed to correct the information. 

Page 4 of 10 : 1 ) DEPT OF ED/XXXX Partial Acct # XXXX 2 ) DEPT OF ED/XXXX Partial Acct # XXXX Page 7 of 10 : 1 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4600.00} 2 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$3600.00} 3 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 4 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 5 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} Page 8 of 10 : 1 )  U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} 2 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} On XX/XX/XXXX, I received a letter from XXXX stating the following : " Outcome : Remains - the company that reported the information has certified to XXXX that the information is accurate. This items was not changed as a result of our processing of your dispute. Please review your report for details. '' This response was the same for each of the duplicate items I disputed.
Product: Checking or savings account

( 1 ) XX/XX/XXXX Send a wire transfer to my bank in XXXX at {$1000.00}. It was successfully completed. 

( 2 ) XX/XX/XXXX Tried to make another wire request to my bank in XXXX again but this time the transaction was denied due to security reason. 

( 3 ) Call CITIBank to remove a security hold but only way to do so is send a letter requesting bank account closure with notary. 

( 4 ) XX/XX/XXXX Sent a letter by XXXX XXXX XXXX ( Tracking XXXX ) requesting both saving and checking account to be closed as instructed with notary by the embassy of United State in XXXX XXXX. 

( 5 ) XX/XX/XXXX XXXX Letter was received by the CITIBank XXXX 

( 6 ) XX/XX/XXXX through current : Call CITIBank numerous times to completed the closure process and requesting to release the fund as soon as possible due to my financial struggle caused by COVID19 outbreak. However, the CITIBank keep informing that they were unable to unlock my account due to security reason. 

( 7 ) Personal comment : 1. No explanation has been provided as to why CITIBank was unable to close my account although I have fulfilled my responsibility of sending legitimate notarized closure request per CITIBANK instruction. 

2. CITIBANK is abusing their power to restrict their client 's account for unreasonable and inappropriate reason. 

Here is my account information. 
Name of Account : XXXX XXXX XXXX of co-signer : XXXX XXXX Saving Account : XXXX Checking XXXX Date of XXXX