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

In accordance with the fair credit Reporting act XXXX XXXX, has violated my rights.

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 a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, fraudulent, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. I have copies of my requests to the creditor, asking them to validate the debt with contracts, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation as owning this debt to these creditors. I have every right to believe This debt is not mine. The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court.

including a small claims court in my area. This is my warning. I demand you to delete these items at once.
Product: Credit card

Hi, I received an email from Citi on XX/XX/XXXX indicating that they closed my account as requested ( see attached ). I never requested to have my account closed. I made a payment of {$7100.00} which they accepted on XX/XX/XXXX, as I was looking to purchase a home. According to XXXX XXXX, my account was apparently closed XX/XX/XXXX. I attempted to reinstate the account but was denied. 

The XX/XX/XXXX email also provided instructions on how to redeem my reward points. According to the email, they gave me 90 days from closure day to redeem. I called several times, and even tried again today, XX/XX/XXXX. They are now saying that my points expired because the account is closed. 

Again, credit shows that my account was closed XX/XX/XXXX. Today via chat, Citi representative states that my account closed on XXXX XXXX XX/XX/XXXX. I received the letter on XX/XX/XXXX. 

I have had this account since XXXX. NEVER had a late or any form of delinquency on my account, which I confirmed with all XXXX credit bureaus. I saved about XXXX points. I paid over {$7000.00} to have a {$0.00} balance, just to have it close the next day or soon thereafter with no explanation why. This closure also reduced my credit score.

May you please help me with this situation?
Product: Debt collection

debt has been paid but company still post balance on the account. I have disputed this but it still came back with the balance nothing changed.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress 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 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. 
Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX AZ XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in violation under 15 U.S. Code 6802, 18 U.S. Code 1028A, 18 U.S. Code 894, 15 U.S. Code 1681 ( a ) 4, and Under Florida Statutes 817.568, the fraudulent use of personal identification information without authorization is a felony offense
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : CFPB complaint XXXX Closed with Debt Collector On XX/XX/2023 XXXX XXXX XXXX ( XXXX ) responded to my complaint with CFPB stating XXXX XXXX marked the account as disputed and has ceased collection at this time. Yet it is still reported and showing on my Experian credit report. XXXX stated in their response to CFPB that it hopes this resolves my complaint however Experian is refusing to remove the collection account from my credit report, which is very damaging. 

It is illegal for any credit bureaus to report inaccurate and fraudulent information.
Product: Checking or savings account

XX/XX/2021 apps XXXX Mountain Time. 

Deposited stimulus check for {$2800.00} made out to XXXX XXXX XXXX XXXX XXXX ( wife ). The ATM took the check and said " Your deposit could not be completed. '' It gave my card back and spit out a tiny useless receipt with no dollar amount on it. The ATM screen turned red and said " This ATM can not accept cash or check deposits at this time. '' ATM is at Chase Bank at XXXX XXXX XXXX XXXX, XXXX CO XXXX. 

{$2800.00}, stolen, by a multibillionaire bank. 
Please help!!!
Product: Credit reporting or other personal consumer reports

I sent a letter XX/XX/2024 to Experian. Here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. However the credit bureaus completed the investigation and stated everything was 100 % accurate. 

Legally, credit bureaus must complete an investigation within XXXX  days of receiving a XXXX demand letter. According to the LAW, unverifiable inaccurate accounts must be removed and if they are unable to provide me with a copy of verifiable proof within XXXX  days after the investigation, they must remove the accounts and/or the information listed below. Experian failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed : XXXX County Police Department # XXXX. 
As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I am a litigious consumer and fully intent to enforce my rights, you should now that law provide monetary relive of {$1000.00} per item, if you continue listing these items illegally this complaint will serve a proof in a court of law. 
I'm reporting this as an effort to clear my name.
Product: Debt collection

I sent debt collector XXXX XXXX XXXX XXXX a letter and a copy of my identity theft report, the letter and identity theft report to XXXX XXXX XXXX XXXX was dated on XX/XX/21, and all documents was received by XXXX XXXX XXXX XXXX on XX/XX/21 at XXXX Est. 
It's been 30 days that the debt collector has not responded. Included in this file is a letter to TransUnion dated on XX/XX/21 and a letter to XXXX XXXX XXXX XXXX dated on XX/XX/21 and certified mail receipt to XXXX XXXX XXXX XXXX dated XX/XX/21.
Product: Debt collection

On XX/XX/2021 I called AFNI , Inc. at XXXX and they asked me if I could pay by card I said no I will send a check to be cashed on the XXXX. He said we recommend you pay by card ( by which you occur a fee of {$4.00} which debt collectors may not charge other fees while collecting a debt according to the FTC ) He then told me if the payment was not received by the XXXX then the whole amount will come due which is a threat to coerce me into paying the processing fee from fear of having the total amount due.
Product: Debt collection

Discover Bank is fraudulently reporting on my credit reports in the amount of {$2300.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Product: Credit card or prepaid card

I started having problems paying on my Cerulean Continental Credit card. I reached out to Cerulean to see if they would be willing to offer me a program temporarily to help me get back on track. The customer service representative told me they didn't have any program they could offer me. The late fees and over-the-limit fees are excessive and I am unable to repay them XXXX dollars in minimum payment. I have called them and told them I can not repay them this much money at once. They don't care that my hours were reduced due to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and just pay them the outrageous fees. I am writing you to look into their fee practices and to see if you can help me as a mediator so I can get an affordable payment plan to repay them back. They are XXXX  me by phone, text, and email daily, 7 days a week. I want the excessive phone calls to stop. I want whoever is in charge to call me and help me so I can repay a reasonable payment. Thank you. I am being charged XXXX every month since XXXX plus interest. I have called and asked for help and I am unable to get help on my own. That is why I am reaching out to CFPB.
Product: Credit card or prepaid card

Hi CB/Victoria Secret Card XXXX I'm personally writing you here because i've tried every channel to resolve this plus i had paid off this account since XX/XX/2021. Why are there so many lates on my accounts during covid19? COVID19 and you still ruin your clients credit? Wasnt there a special accommodation set in place for this not to happen when I called? Listen, I was protected under Mr. Trump Cares Act and i've called you guys before to make proper accommodations because of the COVID19 pandemic. 

Basically, I was reviewing my credit report and noticed a late payment reported on my credit report by your company. I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditors can not report payments as past due, and make proper accommodations to consumers. 

Also, 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 notice that you deducted the money out of my checking account on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX was made by XXXX, but not XXXX. In the response to my complaint XXXX, XXXX indicated that " as soon as that agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file. '' However, XXXX has not placed an extended alert in my file
Product: Student loan

In 2011 I graduated from XXXX XXXX XXXX XXXX with what I thought was a beautiful path ahead of me. Very long story short, despite overwhelming guarantees, my degree and experience at XXXX could not deliver on promises made. We were misled and manipulated by XXXX XXXX a known bad actor, and we have been waiting years for XXXX to receive some sort of relief after getting ripped off - Where is forgiveness for us? There has been no communication from the DOE about the denials. Why is XXXX taking so long? Why were we blanket denied with no clear reasoning after we fought tooth and nail via the legal system just to get out of the soul-crushing limbo the DoE left us in for years? 

Up until recently my combined government and private student loans required monthly payments of {$1400.00} per month, it used to be {$1800.00}. Due to my household losing half its income during the pandemic I was able to fight to bring this number temporarily down to about $ XXXX. This is unsustainable, my private loans are crushing me to death. 

Between personal debt accrued just trying to make ends meet over the years and these student loans, I am constantly in a state of financial anxiety, just living paycheck to paycheck. I can not see a future where I own a home or feel secure in starting a family, and that is a horribly crushing feeling. Neither me nor my mother will be able to retire at this rate. 

More Information : XXXX XXXX XXXX/
Product: Mortgage

Refusal of PMI removal due to concern over integrity of home. XXXX of home is a leak that occurred and a insurance claim was filed and paid for. The integrity of the home was not of concern to retain the mortgage or ensure the value of the home remained for mortgage but only matters solely for PMI removal. 

Now that an insurance claim was made on the home in the last 24 months, the integrity of the home has to be proven to remove PMI. This was not a concern for the mortgage itself. There was no follow up from the lender to ensure the repairs were completed at the time of insurance claim, only upon request to remove PMI. XXXX has to be discerned for PMI removal by an appraisal completed by an approved appraisal at the customer 's expense. These additional measures that are above and beyond that of the mortgage company itself convey predatory lending. 

Removal of PMI was requested in XXXX and customer was under the impression that it was removed at that time. Upon auto-pay cancellation or issues in XX/XX/2022, customer located that PMI was still be assessed contrary to that previous understanding.
Product: Debt collection

XXXX XXXX XXXX XXXX were in XXXX XXXX XXXX XX/XX/XXXX. I was on my way to work at the XXXX there at the time. The gentleman stopped me to talk about the XXXX ONE MONTH FREE TRIAL. I told him I could not afford the membership and he then explained it 's completely free ; I do n't have to pay anything and I wo n't be eligible for a membership unless I sign up for the membership AFTER the trial. I thought I was signing a waiver to the ONE FREE TRIAL and the free T-Shirt. 

They began to charge me and I had never made it into the gym. I called, emailed, sent letters to this gym expressing my concerns and how do I get this off of my credit report. There was no help or solutions. I had been scammed into this debt trap. I am still facing hard times : no food in my home because I can not afford them ( nor can I receive food stamps ), my rent is becoming late, I have classes and student debt to pay for, utilities is coming up late, I am a ten month employee with no current income, XXXX not receiving any benefits or assistance and I am a single adult trying to survive on my own. The last thing I can afford to pay is a gym membership for a gym I hardly ever used and that scams innocent people into signing debt collection contracts. 

This debt was sent to a collection agency and which of course has negatively affected my credit score. Unfortunately, the credit bureaus and its partners are in the business of crippling Americans and eating away at the lower class to stay in debt. I can not afford any of this. I have XXXX and XXXX due to my financial crisis. I had to even file for Bankruptcy back in 2013. This third party continues to call and harass me for a payment in full. I am pleading with them to for a payment plan or a freeze or something so I can try to pay and possibly help my credit report. However, First Credit Services foreign employees continue to call and offer no help. Both of their foreign countries and USA employees have been very displeasing and uncooperative. 

I need serious financial help. Who do I contact for help?!
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report. They are affecting my ability to obtain credit. Please be advised, I am a XXXX
Product: Debt collection

Hello my name is XXXX XXXX. On XX/XX/XXXX I sent a letter to the credit reporting agencies regarding a dispute response of an account on my credit report that was inaccurate. I also sent a FTC letter and made a complaint to the CFPB regarding the investigation process and how XXXX and XXXX did not give me a proper answer regarding the investigation and their findings and also delayed their initial response longer than 60 days. In the letters i clearly noted that i was severely affected and my information stolen during the target and the XXXX data breach i am seeking the help of the CFPB. Target also sent me a letter on XX/XX/XXXX that they were respecting my right to dispute within the 30 days of notice and I sent them a responding letter back on XX/XX/XXXX providing evidence from XXXX of this inaccurate debt and I then received a letter two weeks later dated XX/XX/XXXX stating that they were closing the investigation and had not received any information violating my rights to uphold for the whole 30 days. Through this whole process they have failed to give me proper evidence of the validation of the debt and used deceptive tactics and failed to provide verification that I was the one that sought out the debt to being with and i want the item deleted from my credit report immediately. I deserved a proper investigation into the matter and not a template response in regards to a personal matter that is affecting me and my family.
Product: Mortgage

My mortgage is currently being handled by SLS beginning on XXXX 2015, prior to this it was being handled by XXXX. On XXXX XXXX, 2015, I sent XXXX a letter requesting to remove my escrow ( homeowners insurance and property taxes ) from my mortgage. They refuse to do this and claim that I need a professional appraisal and state that my loan to value on my home is 91.15 % which is erroneous. I will be attaching proof ( Comparative Market Analysis done recently on XXXX XXXX, 2015 on the neighbor 's home and a Comparable Properties Report including my home ) both of which show that all the homes in my immediate area are in the $ XXXX value range. I currently owe less then $ XXXX on my home, therefore making the stated LTV by SLS incorrect. 
I am asking for your assistance in removing my escrow account from my mortgage since my numerous attempts with SLS have been unsuccessful. 
I am going to attach all correspondence with SLS and the escrow account disclosure statement.
Product: Credit card or prepaid card

These revolving account were closed and or numbers changed for lost cards etc. 

I am unable to call them to close these accounts because their automated systems only allow me to access the current account that I use. 

I only have a {$800.00} credit limit that i can use. 

So this makes their reporting false. 

There also is no reason for them to report this on my credit report or have the accounts open, when i can not access them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXXXXXX Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX