23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

To Whom It May Concern, I am writing to report the closing of my Citibank XXXX XXXX Advantage credit card account. The basis for closing was that my credit union rejected the payment request by Citibank. My credit union denied the payment because Citibank listed my wife as the primary card holder when in fact she was an authorized user. I attemped a {$1000.00} online payment to my Citibank credit card on XXXX, 2019, which was rejected. My credit union checking account does not include my wife on the account and therefore rejected the request by Citibank. I contacted my credit union and was informed what occured. I was told to have Citibank correct the card holder information. Once corrected, the credit union could process future payment requests. I tried to resolve the issue with multiple Citibank phone representatives who could also see that my other Citibank Thank you card which was linked to the same checking account was paid on the same day without a problem. I explained what my credit union had told me was the reason for the payment rejection. I was told that they could not reopen my account because that was Citibank policy. They were all sympathetic to my situation as they could see that the rejection was not based on insufficient funds. I explained to them that this unilateral action by Citibank was unfair because I had no liablity in the situation. My credit report score has dropped since my available credit has been reduced. The two financial institutions were not communicating and I was punished by having my credit card account closed. As a consumer, I believe that my rights were violated because I was denied any due process to resolve this issue before my account was closed. I do not believe the facts support a basis for closing my account. Therefore, I am writing to CFPB for assistance in having my account reopened.
Product: Checking or savings account

I signed up for a $ XXXX {$300.00} checking bonus back in XXXX. I did my direct deposit of {$500.00} in XX/XX/XXXX. The terms say I should receive the bonus in 90 days. I've called into the branch multiple times and reps have confirmed I should have received by now. They were supposed to call me back 2 weeks ago and I never heard back.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name 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 XXXXXXXX, I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

There is an accounts on my consumer report thats not mine or no accurate and its hurting my financial health. In this against my consumer rights do to 15 USC 1681 EB Account name is XXXX # XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights I look at my consumer report on all XXXX Credit bureau XX/XX/year> and notice some things are incorrect and not accurate. and according to the fair credit report at whenever a consumer report agency prepares a consumer report it shall follow responsibility produce to assume maximum possible possible accuracy of the information concert the individual about who the report relates according to 15 USC 1681 And according to 15 USC 16 8105 they are supposed to Do this treatment of inaccuracy or unverified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts or inquires on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  refuse delete hard inquiry and wf crd svc refuse
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$140.00}, dates open XX/XX/XXXX closed XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Money Lion Account : XXXX To Whom It May Concern : I am writing regarding your continued failure to properly verify this alleged debt despite years of correspondence and clear evidence of identity theft. This letter serves as my demand for proper verification under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). HISTORY OF NOTIFICATIONS AND INADEQUATE RESPONSES : Over the past 4-5years, I have repeatedly : 1. Submitted police reports documenting identity theft 2. Provided FTC identity theft reports 3. Furnished data breach notification letters 4. Requested specific verification of the debt 5. Disputed this account with both your company and credit bureaus Your responses have been grossly inadequate and potentially in violation of federal law : - You claim verification using an email address you never possessed- You continue sending form letters via email despite instructions for mail correspondence - You provide account statements showing addresses where I have never resided - You show loan documents with only typed names, no signatures- You present payment histories showing zero payments ever made - You fail to provide any government-issued identification matching the loan address -You ignored my identify theft -You ignored my FTC Report- Why was I never Provided copies of ALL original account documents showing my actual signature- Why havent Ive provided how you verified my identity at account opening- Why Havent copies of any government ID collected at account opening been provided - Document how you validated the address used on statements- Explain why you ignored multiple identity theft reports LEGAL REQUIREMENTS FOR VERIFICATION : Under the FCRA and FDCPA, you must provide ACTUAL EVIDENCE 1. A copy of government-issued identification used at account opening that matches the address on statements 2. Original signed loan documents ( not just typed names ) 3. Proof that you verified the identity of the borrower at account opening 4. Evidence that you followed your standard fraud prevention protocols
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states that I have a 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 written instruction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX balance is around XXXX collection account paid in full balance updated to XXXX payment status stills reports as charged off as bad debt, which is incorrect comments on the account reports as unpaid balance, charge off
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. 

I have made several attempts to report and have fraudulent items removed from my credit file, However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 

The persistence of these fraudulent items reflects poorly Credit Bureaus commitment to combating fraudulent activities and protecting its customers. It is unacceptable that such discrepancies persist despite being brought to your attention multiple times. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist.

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data.

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue.

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future.

Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This is a 30 year fixed mortgage with DiTech, however the keep changing the monthly due amounts every month. It has been changed 3 times in 3 months, going up, then down, then up higher. each time a {$20.00} difference So when they do n't receive the exact amount and received the amount that is the same as the previous month they charge a late fee. The late fee is bigger than the difference in the payment amount.  <P/> They do not send statements on time, so they are trying to trick me, an successes in paying different amounts. This is a game of gotcha
Product: Credit reporting or other personal consumer reports

Early Warning Services has violated the FCRA, by not conducting a reasonable investigation into the accounts that are reporting on the credit file that they maintain under my personal information. Early warning services has violated the FCRA ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

I provided my personal information to Early Warning Services, to support my claim, of identity theft, with the accounts that they are reporting. The information is different from my personal information. Attached is the information that was provided to me, from Early WARNING Services, reinserting the fraudulent accounts back onto the report that they maintain under my personal information.
Product: Checking or savings account

Capital One incorrectly sends me financial statements for someone else at my XXXX email account. I have no banking relationship with Capital One and I do not desire one. 

I phoned the bank and spoke to XXXX and Supervisor XXXX at Capital One 's call in number of XXXX or XX/XX/2018. I was told they were unable to do anything to remove my information from their systems but that I should email XXXX for further assistance. 

I have received a same-day acknowledgement on XX/XX/2018, but no follow up in 14 days.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX 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 my 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 in ( MONTHS REPORTING LATE ) 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 XXXX 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: Mortgage

MY MORTGAGE ACCOUNT AT CITIZENS ONE IS XXXX i have been trying to reach citizen one home loans for a long time. There are always long hold times. 
THIS IS UNACCEPTABLE. 
ALSO many of the reps are foreigners which impedes on customer service. 

in XXXX, i was assessed a late payment fee. we all know the postal service is messed up during XXXX  pandemic. they shouldn't be charging fees. 

please take care of this ASAP THANKS, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Trans Union XXXX XXXX is reporting false harmful information on my credit report. They are reporting 8 missed payments with no dates from XXXX XXXX XXXX XXXX. I spoke with a representative at XXXX XXXX XXXX XXXX they are not aware of any missed payments everything is in good standards with no missed payments.
Product: Debt collection

AR Resources has called my business cell phone several times asking for XXXX XXXX. I have told them on a couple of different occassions that this is no longer his phone and continue to receive calls. I know this is a debt collection violation and would like file a claim on this company.
Product: Credit reporting or other personal consumer reports

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

I am writing to bring to your attention my dissatisfaction with the outcome of my second attempt to address fraudulent items on my credit report. Despite my initial dispute and the subsequent submission of supporting documentation, I have noted that the fraudulent entries are still present on my credit file. 

I previously reported these fraudulent items. Regrettably, upon reviewing my updated credit report dated [ date ], I discovered that the fraudulent entries persist, negatively impacting my creditworthiness and financial well-being. 

I have attached copies of my initial dispute letter, the supporting documentation submitted, and the most recent credit report highlighting the unresolved issues. 

I urgently request that you conduct a thorough and impartial investigation into this matter, carefully review the provided evidence, and promptly rectify the fraudulent entries on my credit report. It is imperative to stress that these inaccuracies are causing severe harm to my credit standing, and their removal is crucial for my financial security. 

If additional information is necessary to expedite this investigation. I expect a swift and equitable resolution to this issue in accordance with the Fair Credit Reporting Act. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX : {$6100.00} XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Someone stole my personal information and identity and got an auto loan from UAC/Car hop. I am a victim of identity theft. I have never applied for an auto loan with UAC/Car Hop. The account is unauthorized and fraudulent and do not belong to me.
Product: Credit reporting or other personal consumer reports

I have a goal of getting XXXX XXXX as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I asked the credit bureaus to do a verification investigation of my credit report and validate the accounts that were on my report.The reports came back & said it was accurate. I did a research myself and found improper inaccurates on my report even after they did their investigation. 



Accounts : XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX  Accounts has violated my rights. 

# XXXX # XXXX # XXXX # XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1684 section 604 A. It also states a consumer report agency can not furnish a account without my written instructions.
Product: Debt collection

I have been repeatedly contacted and my husband as well for a family members debt even though I told them NOT to contact me. I was told I was a reference even though I do not believe that to be true and told that it gave them the right to keep calling me. I also have been told that they were " agents '' working on a case against my relative. They call my husband cell phone and my house phone which I know for a fact have not been given to them and have been obtained through other sources such as skip trace ... or something similar. I want them to stop harassing me.
Product: Student loan

I was called from a number XXXX by an XXXX XXXX claiming to be able to help me with loan forgiveness. I called back and was speaking with a different woman ( she said her direct line was XXXX ) and asked me questions to get into my FAS ID account. I wasn't able to catch it until later, but she reset my password while asking me questions to " verify '' my information. I am unsure now about what of my information is stolen or what they found out. I have since reset my password. They wanted 4 or 5 months of {$170.00} to be entered into the loan forgiveness program and I am not entirely sure this is legit or legal. I wanted someone to be aware of this if it is a scam.
Product: Debt collection

I recently saw my credit report and saw a collection agency who has never reached me or sent me anything proving I owed money placed a debt on credit report without my knowledge I do not owe this money to this company please delete immediately
Product: Credit reporting 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXL : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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 reasonable cause to believe that the information is inaccurate.