23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citibank , NA has erroneously and drastically reduced my credit limit to my credit card ending in XXXX, the credit limit has essentially been reduced to zero as the new limit is the balance of my account, severely impacting my balance to availability ratio. Citibank sent me a letter informing me of this decision on XXXX/XXXX/16 stating due to a delinquency I have with another creditor, they have reduced said credit line. They did not specify with whom I have this said delinquency with and when I called their customer support, they could not tell me where said delinquency was originating from and simply said it was based on my XXXX credit report. I have viewed my credit report from all XXXX bureaus and I do not see any delinquencies. In the past 10 years, I have never had ANY delinquencies of any form with any of my creditors, and in the years I 've had my Citibank credit card, I have never made a late payment. I have always made a diligent effort to maintain my credit standing to the highest level possible so it came to me as a surprise when I was informed of Citibank 's decision. When speaking with their representatives XXXX ( employee ID XXXX ) and his Supervisor XXXX ( employee ID XXXX ), I was told they would not reinstate my credit limit to it 's original amount, and the only way I would be reconsidered for reinstatement would be for me to request a credit increase through " Customer Service '' which would result in a " hard pull '' inquiry, resulting in additional damage to my credit reports. I do not have any delinquencies on any of my credit reports, and Citibank 's decision to revoke my credit line has drastically tarnished my credit. I wish to understand why they have made this decision as I do not have a delinquent account with any creditor and their unwillingness to correct their wrong doing has caused me great XXXX
Product: Payday loan, title loan, or personal loan

Loan was taken out in XXXX of XXXX, I had also taken out the insurance that would cover the payments, if anything happened. In XXXX of XXXX I had broken my foot and was unable to work for over a year. I asked Tower if the insurance would cover the payments, and at the time they told to bring them medical records, and it would be covered. I had several problems with Tower loan doing the correct paperwork work to get payments made like they should've been. I was told ins only made two payments and the rest was on me to make even though I had taken out the ins to cover such things if they did happen. I had asked them at different times for a print out of payments that had been made by myself and the ins company and have never received one. I was issued a summons in XXXX of XXXX served by a deputy to appear in court in XXXX XXXX I called the XXXX XXXX XXXX   was told to meet XXXX XXXX at the courthouse on that day and she would have the agreement paperwork for me to sign stating I would pay 200.00 a month. I met with XXXX outside the courtroom and was told " here is the agreement for you to pay 200.00 a month sign here, I have to get back in there '', nothing was explained to me nor did I receive a copy that day. I asked if she was going to mail me a copy of the agreement, she stated yes and I have still not received a copy of the agreement. I started making payments of 200.00 a month in XXXX. XXXX I was unable to make a payment in XXXX. I was going mail in a payment today, XX/XX/XXXX, but had gotten a garnishment letter with added expenses making the total from XXXX to XXXX to where after paying down to XXXX they added XXXX more to what it was with an interest rate of 51.91 % being compounding now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you. I am wondering why I have items on my report that are not mine. I am thinking about starting a new business soon which prompt me to check my credit report. I see several items on my report that are not mine I need these items removed from my credit report. I have contacted the FTC and my local police. Im doing this on my own behalf. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$640.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$21.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make a 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 any reasonable cause to believe that the information is inaccurate 15 U.S.C 1681a ; Rule of Construction : it states a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian explain to me why you are using stall tactics instead of abiding by the guidelines set forth by the FCRA? 

You know XXXX well its me, XXXX XXXX disputing the errors on my credit report and not a credit repair agency. How dare you call the CFPB a credit repair agency!? Thats audacious! 

Ive already sent in a copy of my ID and proof of address therefore I will NOT be sending them again, so stop stalling. Furthermore this isnt a request for a new investigation, Im asking for proof of my prior investigation WHICH proof of ID isnt required as it was submitted with the initial dispute. 

So again, why are you continuing to report accounts that are in non-compliance with the FCRA?!?
Product: Credit reporting or other personal consumer reports

I am writing to formally raise a complaint about my initial attempt to remove fraudulent items from my credit file. It is disheartening that I must address this issue, as the fraudulent items negatively impact my financial standing and creditworthiness. I am seeking your immediate assistance to rectify this matter. 
I discovered that my credit report issued by Credit Bureaus contained multiple fraudulent entries that are not connected to my financial activities. My initial dispute was submitted with the required documentation, including evidence to support the fraudulent nature of these entries. However, despite my efforts, these fraudulent items remain on my credit report. 

I kindly request that you take the following actions to address this issue : Re-review my initial dispute and the evidence provided to remove the fraudulent items from my credit file immediately upon confirming their fraudulent nature. 

Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report. 

Provide me with written confirmation once these fraudulent items have been removed from my credit file. 

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries. 

I understand the importance of maintaining accurate credit reporting, and I trust that Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. It is essential that these fraudulent items are promptly removed from my credit file and that the issues are fully resolved during this time frame. Failure to do so may necessitate further action, such as seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your assistance to remove the fraud items : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX OF XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>XX/XX/XXXXXXXX XXXX/XXXX/2023 XX/XX/XXXX XXXX/XXXX/2023 XX/XX/XXXXXXXX/XXXX/2023 XXXX XXXX XX/XX/scrub>/2023 XXXX XX/XX/scrub>/2023 XXXX XXXX/XXXX/2023
Product: Mortgage

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Payday loan, title loan, or personal loan

On XX/XX/22, I sent Suncoast Credit Union a letter that they received on XX/XX/22 certified mail regarding my utilization. I gave them 10 days to correct the accounts and respond, and I have not heard back anything.
Product: Credit reporting or other personal consumer reports

I have contacted the creditors and credit bureaus because I have multiple errors of hard inquiries pulled on my credit file with transunion that they are refusing to remove. 
The following hard inquiries that were not requested by is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

While I was in college, our dorm room was broken into and personal items were removed from my room. SSN card, bank statements, checks and other personal items. I filed a report with administration and campus police department. I was informed to wait and to start monitoring my credit. I noticed items on my file I did not apply for. I am having problems with Equifax in resolving the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments XXXX, XX/XX/2020 capital One bank USA Late payment XX/XX/2020 XXXX XXXX  These cards are business accounts used for Counseling Solutions, a counseling health care business in XXXX, Texas. 

During COVID we were closed for two months until we could service clients online. The payments were caught up immediately when we returned to the office late XXXX, 2020. 

I have spoken to the companies and appealed these items since they destroyed by credit score. Both ascertain COVID is no reason to not pay ; I also explained that I had called each business at the end of XXXX to let them know the payments would be late. The Customer a service Reps told me to do what I could to pay ( whatever that meant ). 

I had exceptional credit history before these. 

Please help me resolve these horrible marks on my credit report ; these businesses will not help me.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit card or prepaid card

I have been trying to cancel an American Express credit card for 18 months but keep getting charged additional fees and penalties since then. 
On XX/XX/20, I contacted American Express by phone and requested the account be closed. 
The Cardmember Agreement clearly says, " You may close your Account by calling us or writing to us. '' However, AmEx did not close the account but continues to charge fees, interest and penalties, currently totaling {$620.00}. They have referred the matter to a collection agency, XXXX, who is harassing me about payment. 
In multiple calls I have made to try to resolve this issue, agents claim incorrectly that closing accounts must be done in writing, contradicting the " Cardmember Agreement. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2023 to XXXX, Transunion and XXXX. However it's been more than 30 days and the credit bureaus failed to send my investigation back. 

This is not making sense at all. According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of an item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of disputed information, or delete the item from the file in accordance with paragraph ( 5 ). before the end of 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report is showing a auto loan from XXXX XXXX XXXX for the about of {$37000.00} opened on XXXX XXXX XXXXXXXX this account does not belong to me and I would like it removed from my account immediately
Product: Debt collection

XXXX XXXX XXXX XX/XX/year> ORIGINAL CREDITOR XXXX XXXX XXXX.I hav enever done business with XXXX XXXX  and they should not be listed as a debt
Product: Credit reporting

I have sent TransUnion letter after letter for over 4 months asking them to verify the information they are reporting or remove it if they cant. They have repeatedly ignored me and sent me back my credit report saying they did verify it and wont remove it yet they sent me NO paperwork or information backing it up.
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I XXXX be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. In addition, I have attached a PDF document reflecting all items that were found. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

See Attached I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX XXXX XXXX XXXX. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Product: Credit card

As a federally protected natural person as defined under the Truth in Lending Act 15 USC 1602e. Pursuant to 15 USC 1681a ( k ), XXXX violated federal law by denying my credit application. XXXX is in violation of but not limited to the following federal laws ; 15 USC 1691 d ( 6 ), 12 CFR 202.9 b ( 2 ), 15 U.S.Code 1692d ( 2 ), and 18 USC 1028. 15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right. 15 USC 1691 ( 3 ) I exercised my right to credit. 15 USC 1602 ( g ) - the term creditor explains I am the person who regularly extends credit. I credited this transaction so how can you deny me? 15 USC 1681 ( k ) Adverse Action - nothing under Adverse Action gives you the right to deny me. 15 USC 1602 ( l ) I credited this transaction as a creditor from my credit card, this was a credit transaction from my credit card. 15 USC 1602 ( p ) unauthorized use, you ran the credit card and I received no benefit. 15 USC 1602 ( p ) makes it clear that you committed fraud and used my credit card without authority and I received no benefit from this transaction. 15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights. Lastly, Federal Reserve Act Section 16 ( 12 U.S. Code 412 - Application for notes ; collateral required ) 2. Application for notes by Federal Reserve banks. I am aware that my application is a promissory note which turns into cash or in banking terms floating rate notes that your bank sell and trade on pursuant to 12 u.s.c 1813L ( 1 ). My application is also a security pursuant to 31 cfr 357.2, 15 u.s.c 78c ( a ) ( 10 ) which should also be the collateral for the amount of the credit card pursuant to 7 cfr 4279.202 the security belongs to me the holder in due course since I issued it. At this point XXXX is stealing my security which is securities fraud pursuant to 17 cfr 240.10b-5, and breach of fiduciary duties pursuant to 17 cfr 205.2.
Product: Debt collection

US DEPT OF EDUCATION Last reported XXXX XXXX, XXXX {$17000.00} US DEPT OF EDUCATION Last reported XXXX XXXX, XXXX Reported balance {$4800.00} XXXX XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$2200.00} XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX  XXXX XXXX Last reported XXXX XXXX, XXXX XXXXXXXX XXXX Last reported XXXX XXXX, XXXX Reported balance {$490.00} XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX VOLATIONS 15 U.S. Code 45 15USC 1681b ( a ) ( 1 ) ( 2 ) 15 USC 1681a ( 2 ) ( b ) 15 USC 1681e ( b ) 15 U.S.C. 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a mortgage in the name of XXXX XXXX XXXX held by XXXX XXXX. This mortgage is the responsibility of my ex-wife to pay as part of our divorce. About a year ago this appeared on my credit reports. I had no idea what it was at the time, and reached out to the company. This is a 50 year mortgage, and yes, you are reading that right, a 50 year mortgage on my former home in Virginia. 
My ex-wife has been frequently delinquent in making the payments. In all these years, I have never seen or heard of this. It has never before appeared on ANY of my credit reports before last year. 
First, to clarify, my legal name is XXXX XXXX XXXX, not XXXX. As these credit reporting agencies can confirm, I have never been late or defaulted on any of my payments to anyone. There were a few negative entries on my report, which I satisfied in 2015 or there about. Since then, my credit has been spotless in regards to meeting my obligations. I do have a sizable credit card debt, which I have been paying down, and again, have never missed a payment, not on a card, my home or my car loan. Never. 
I have tried to get clarification on this 50 year mortgage from XXXX, which apparently took over this mortgage from their acquisition of XXXX XXXX. I always received the same reply. That they were looking into it. Besides the fact that this could be construed as a predatory lending practice, that is another issue, but tied to this, as they reported this mortgage to the major credit agencies attached to my reports. 
Just to explain why it has taken me so long to do anything about this, I have no desire to cause injury to my ex-wife, or my daughter, who also lives in the home. Basically, in regards to this mortgage, I am in kind of a hostage situation, as I know nothing about this mortgage, nor any other detail other than the length. No origination date, interest rate, nothing. 
To come to the point, I want all references to ANY reports with the name XXXX XXXX removed from my credit. This is not my legal name, nor are there any obligations that I have in the name XXXX. I go by XXXX on some ( if you went through life with the name XXXX XXXX, you would appreciate why. ) but mostly XXXX, my legal name. I have tried to work with the big three reporting agencies, but to no avail. 
This reference to XXXX XXXX has totally trashed my FICO score unjustly. They can go back and see that this XXXX reference NEVER appeared on my credit report prior to last year. 
All I am asking for is anything in the name of XXXX or XXXX XXXX XXXX be removed, and my credit score revaluated based on my true and current credit history.