23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX/XXXX/2015, Citibank customer manager decided to close my Citi Double Cash credit card due to a phone call argument over various bill pay payments that I 've made from outside banks. As a result I 've lost {$330.00} of cashback for this month that they did not honor upon my account closing. To make matters worse, this Citibank manager then made a personal call to close my Citi Premier card out of malice, resulting in XXXX of lost points worth {$530.00}. I believe that my accounts were unjustly closed by Citibank and I was not given the chance to redeem my cashback and point rewards worth well over {$860.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She reviewed an XXXX Credit report and found an inquiry made under a fraudulent application submitted XX/XX/2018 to American Express ( XXXX ).  This item is being report to XXXX credit reports. An official dispute of this inquiry was mailed certified with return receipt to XXXX XX/XX/2018 however that inquiry is still being reported to her XXXX credit reports as of today and XXXX has failed to reply to the status of the investigation as is their obligation under FCRA.
Product: Mortgage

After XXXX XXXX XXXX made Nationstar Mortgage the new " servicer '', we have not been able to pay down on the principal ( which is stated in our mortgage contract ). They have purposely withheld information regarding accounts and mislead information regarding accounts. Nationstar will not allow us to see our balanced owed on principal or escrow account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I discovered numerous unauthorized inquiries on my credit report from Equifax. After notifying Equifax that these inquiries were unauthorized and that my report was obtained without permissible purpose I was ignored. I also provided Equifax with an FTC report and that was also ignored. I did not give consent for these companies to use my personal identifying information to access my credit report and this is a violation of my privacy and I demand an Immediate deletion of all the listed unauthorized inquiries within XXXX business days from receipt of this complaint.
Product: Credit reporting or other personal consumer reports

I was made aware by a credit card company that my Experian Credit file has a freeze on it which when I originally requested it, I was advised that it would drop off automatically ( it has been many years since I requested it ) I followed the instructions on the Experian web site on having the freeze deleted, attached my US drivers license and other sensitive images of other documents and have not received a response of even receiving my email requests along with the documents. 

I have written 2 more times with escalation emails and have not had the freeze removed or any confirmation/response to my email. The Experian 888 number is useless to say the least and the number I was advised to call regarding my freeze deletion request is an international number in XXXX!!
Product: Credit reporting or other personal consumer reports

This company is inaccurately reporting late payments to my consumer report
Product: Debt collection

Requested authorization from collection agency to collect debt for another party. I do not have a contract with this collection agency.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I asked that this issued be looked into with XXXX  XXXX on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue I have encountered with Equifax, one of the major credit reporting agencies. Despite my efforts to resolve this issue directly with them, I have not received a satisfactory response or resolution. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c2, a consumer reporting agency is legally obligated to 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. 

In addition, the FCRA mandates that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

In my case, I have provided Equifax with all the necessary documentation and identification of such information as required by the FCRA. However, Equifax has not complied with these requirements. Specifically, I requested that they either delete the information in question or provide me with the original documents bearing my signature that prove the account belongs to me. Despite my request, Equifax has failed to take the appropriate action. 

This non-compliance by Equifax has caused me significant distress and potential harm to my credit standing. I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that Equifax complies with the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Consumer Loan

I was told I was only giving permission for Check into Cash to ACH upon my request. I was verbally assured they would not ACH without permission. I am requesting to withdraw my permission for them to ACH my payment and they refuse to tell me how to do so. They also debited my acct prior to my due date and stated that was the policy. I have no issue paying what is due but they are not following what I believe they stated their procedures were. They amount they debited has also increased without informing me. Their rep states she calls multiple times, day after day without any response from me so she is forced to debit my acct. This is also untrue. I made them very aware of my work hours and that I am unable to answer at those times and I always call back as soon as possible. She states that is what prompts her to ACH debit my acct when in actuallity she only contacted my once the morning my payment was due and did not leave a message. She has not called back until 4 days later after the payment was debited. When I returned her call today she stated she called to " make sure '' it was ok they debited my acct. They ACH was sent through on XX/XX/2017. She called on XX/XX/2017 and left no message. She did not contact me again until today and I returned the call promptly after work hours. The debit was NOT done because lack of communication as she states. It was done prior to the due date and prior to any contact from their office.
Product: Credit reporting or other personal consumer reports

THIS IS A NOTICE OF DISPUTE. I AM DISPUTING THE COMPLETENESS AND ACCURACY OF THE INFORMATION THAT HAS BEEN FURNISHED TO MY CONSUMER REPORT. CAPITAL ONE XXXX. THE SEQUENCE OF LATE PAYMENTS THAT WAS FURNISHED IS INACCURATE. THIS IS A CLEAR VIOLATION OF THE FCRA AND THIS VIOLATION IS PREVENTING FOR FROM EXTENDING MY CREDIT FOR MY PERSONAL, FAMILY AND HOUSEHOLD PURPOSES.
Product: Credit card

After reviewing my credit report, I discovered that Target has been adding new " Key Derogatories '' when I settled on this account two years ago. This is inaccurate and only serves to lower my credit score. I have been disputing this account for a few months now and Target has done nothing but damaged my score even more. There can not be ANY " payment history '' entries AFTER the account was paid because this is a closed account and there is no balance due. I am also attaching a copy of my credit report showing their updates in my payment history. Their inaccurate reporting is unfairly damaging my credit score and needs to be removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted Experian and they are refusing to remove these fraudulent account as well as XXXX  and I am not able to gain access to XXXX  so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting Experian I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.
Product: Credit reporting or other personal consumer reports

The account with XXXX XXXX is not mine. XXXX XXXX is reporting delinquent account XXXX XXXX on my credit report and I would like this removed from my credit report.
Product: Mortgage

I have had a VA mortgage for 7 years with Freedom Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Lender NMLS ID : XXXX I am constantly badgered by mail, phone & email to refinance. All notices are unsolicited & I have spoke w/ several agents to announce my desire to be left alone & that I am not interested in their services. 
Make them stop!!
Product: Credit reporting or other personal consumer reports

Since XXXX my identity was stolen I put an alert on my credit file. In XX/XX/XXXX, I was in the process of buying a house I gave permission to a mortgage company to run my credit, there was a fraudulent account on my credit report associated with XXXX under a company name XXXX XXXX XXXX. I immediately contact XXXX, the three credit reporting agency, XXXX XXXX XXXX as well as filling a FTC fraud report ; the matter was investigated by XXXX, XXXX, Tansunion, XXXX and was removed from my credit file on XX/XX/XXXX. 
This year a company name XXXXXXXX XXXX XXXX, called my phone 7 times a day, I thought it was scam, after many calls and no messages I called them back. XXXX now fail to to a proper investigation nor looking at the previous cases or the evidence of fraud that I have submitted. I was asked to pay them the money or they said I owed on a XXXX  account, I told them I never have XXXX. a few days later the account appeared on my credit file when I looked closely it is the same fraudulent account that I have previously disputed and was removed from my file in XX/XX/XXXX. I called XXXX which is now XXXX, the manager I spoke with told me that matter was resolved and I don't have any account with them. I reached out to the credit bureaus and the company nothing has been done. I believe that they are using this to extort money from me. 
I have had a identity fraud alert in my credit since XXXX after my identity was stolen and I have previously from several complaint with the FTC regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I have never received any bill nor notices from XXXX XXXX I viewed by credit report, and I saw this error. I was never informed of such issue. This issue looks to be very small and to put it in my credit report without verify with me that this issue an account I know of every very strange. This company says I owe then {$140.00}. I do not owe them any funds. Please remove this from my credit reports. 

People please be aware of this type of company I do not believe it is legit what kind of people just puts something in your credit report without even calling your or sending a letter to you there are rules for this kind of thing.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 XX/XX/2020 Unable to add account multiple times after verification with PNC.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information on my credit file regarding the XXXX account ( # XXXX ). As mandated by the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure all reported information is accurate and to promptly investigate disputes. 
The payment status for this account incorrectly indicates " 30 days late, '' despite my consistent on-time payments. I have attached supporting documentation to verify the account 's actual payment history. 
Below are the account details : High Balance : {$830.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Status : Closed Payment Status : Late 30 Days Creditor Remarks : Canceled by credit grantor Two-Year Payment History : Indicates " OK '' for all months but still reflects a " 30 Days Late '' status inaccurately. 
I am requesting a detailed description of the investigation process conducted under 15 USC 1681i ( a ) ( 7 ). Additionally, I ask that you provide valid documentation, including payment dates, amounts, and evidence substantiating the reported late payment. 
If no valid proof can be provided, I demand that the account 's payment status be updated to reflect " Paid As Agreed Never Late. '' Failure to resolve this within the FCRA-mandated 30-day investigation period will be considered a violation of my consumer rights. 
I appreciate your prompt attention to this matter and expect an accurate and fair resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

We opened a CD with Citizens that matured in XX/XX/year> and we never received communication that it was maturing. Citizens has renewed the CD for five more years, and will not let us access our funds without a hefty removal fee. We would like our funds transferred back to our original account at XXXX XXXX XXXX, and Citizens is not permitting this. Not everyone is connected to email XXXX, and we never received the original email that our CD was due. I think their practice can be construed as " sneaky '' and on the border of discriminating against age, as our generation would prefer to receive a phone call when the CD is maturing. This is how other banks handle this. 

I think for people who are not on technology all the time, a phone call would be a much better communication tool than email. Citizens responded to the first complaint with a PDF of a maturity notice that they said they mailed us. We never received this letter. Two people I spoke with said that Citizens does not mail letters. I am hoping you can help get our money out of this bank without a penalty fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/200XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX : {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX Balance : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$660.00} XXXX  XXXX Balance XXXX {$140.00} XXXX XXXX XXXX Balance : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00}
Product: Consumer Loan

Castle Credit corporation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX I purchased a water filtration system from eco-water in XXXX of XXXX it was financed by their preferred company, castle credit. 
Complaints are, the company attached a lien to my home with no judgement. I talked to them and asked them to remove the lien and they refuse to. It is financed an amount of {$4700.00} and after paying for over two years, my pay off is {$4500.00}, so at $ XXXX/month for more than 24 months, only {$200.00} has been applied to principle!!! This is a rip off and a loan shark. I have always made payments every month, never missed a payment and they attach a lien to my home along with this insane finance charge and interest rate. This company needs to be investigated and fined for unscrupulous business practices. For all the money I have paid and almost NONE of it is applied to my balance, along with being slapped with a lien on top of that? 
This business is not reputable.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS REPORTING DEBT THAT DOES NOT BELONG TO ME. I've contacted Experian numberous of times and was told they debt was verified. I requested in writing and over the to please send me a contract and other documents bearing my signature. Experian has failed to send me method of verification. Please to me who verified that STATE OF MI XXXX XXXX belonged to me? What date was this verified? Who opened up this account in my name? Was a drivers license and social security card used to open this debt? Did you contact State of Mi XXXX XXXX XXXXo verify this debt? Did you call over the phone to verify this debt? What number did you call to verify this debt? Do you have documents on file showing this debt belongs to me? Please send me contracts bearing my signature and a contact person so I can follow up. If you fail to verify this debt i'm asking you kindly to remove this inaccurate, untrue, incorrect information off my credit report. This reporting does not fcra requirements. This account was not properly verified. I do not consent to third party verification. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX and XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
2. Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect you to handle this dispute with the upmost seriousness and compliance with legal standards. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXXHas violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, Specialized Loan servicing bought a loan of mine from XXXX. They claim it is a second mortgage/ Real Estate loan on my credit report and the address they continue to report as my property has not been mine for 13 or so years. This is an ongoing issue an accounting error had created issues with what was owed etc. Now in trying to purchase a home, lenders say I have to wait because I defaulted on a mortgage.
Product: Checking or savings account

My card was copied at a XXXX XXXX XXXX atm that l use. On XX/XX/22 l used my card for a withdrawal for {$420.00} someone did a balance inquiry first they took {$100.00} and then {$300.00}. The next day l tried to use my card purchase was denied. Come home called the customer service. I sent emails gave written statements. Told them this wasnt my transaction. I already knows how much was on my card. I call never do a balance inquiry. I dont know why its been so hard to get my money back. I filed a police report and they still denied me.
Product: Debt collection

I moved out of my old apartment on XX/XX/2022 and I requested XXXX stop service to my apartment on that date. I submitted a stop service request on XX/XX/2022. XXXX confirmed this stop service request on XX/XX/2022. I continued to be charged through autopay until XX/XX/2022, which totaled to {$81.00}. I attempted to contact XXXX on multiple occasions about this issue. On XX/XX/2022, I called XXXX to discuss the issue and was told that it would be resolved. It was not so I called again on XX/XX/2022. This time i was given an email i needed to send my new lease to in order to prove I had moved. I sent my lease to this email on XX/XX/2022 and didnt receive a response. I continued to be charged, but had turned off autopay. The bill would show up as late. I followed up on XX/XX/2022 and was told again to send proof of moving and of my stop service request. I did both. XXXX did not respond and continued to charge me. I followed up on XX/XX/2022 and did not receive a response. Despite all of this, XXXX continued charging me and eventually sent the remaining debt to a collection agency. I have been receiving mail from Rickart Collection Systems , Inc. since XX/XX/2022 stating that i owe them {$34.00} as the remainder of my XXXX bill. XXXX actually owes me {$81.00}, as i have not lived in the apartment for almost a year and provided ample proof of this, including my original stop service request which was submitted well before i moved out. The most recent mail i received from Rickart Collection Systems , Inc was on XX/XX/2022. I still have not received any responses from XXXX.
Product: Payday loan, title loan, or personal loan

This is a follow up to complaint # XXXX. I contacted the company numerous times. No one answers my call, and no one returns my message. I paid off my car and need my title returned with release of lien. Over 60 days has passed since paying off the car.