23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a complaint regarding incorrect information on my credit report that was reported by Equifax. On XX/XX/XXXX, I contacted XXXX regarding the following inaccurate information on my credit report, but to this date, they have not responded to my request. 
The following account is not mine : XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ). Please remove it from my credit report. 
XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$4800.00} ). Please remove it from my credit report. 
XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ). The following account was never late. Please correct this inaccurate information on my credit report. 
XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$460.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Please remove it from my credit report. 
XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$560.00}, Original Creditor : XXXX XXXX XXXX ) Please remove it from my credit report. 
XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00}, Original Creditor : XXXX XXXX XXXX ) Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX **** Balance Owed : {$350000.00}, XXXX XXXX **** Balance Owed : {$9600.00}, XXXX XXXX XXXX Balance Owed : {$1300.00}, XXXX  XXXX XXXX Balance Owed : {$1300.00}, DPT EDXXXX XXXX Balance Owed : {$120000.00}, XXXX XXXX Balance Owed : {$10000.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$2700.00}
Product: Credit reporting or other personal consumer reports

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. 

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please delete from my credit report immediately 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXXXXXX XXXX XXXX  Account Number : XXXX Please delete from my credit report immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX Account Number : XXXX Please delete from my credit report immediately 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX XXXX Account Number : XXXX Please delete from my credit report immediately Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : State Senate CC : Federal Deposit Insurance Corporation CC : Controller of the Currency CC : Federal Reserve System XXXX : XXXXXXXX XXXX XXXXXXXX XXXX : Federal Trade Commission CC : State Regulatory Agency These fraudulent information should be deleted from my credit report in the next 5 days. Please see the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was supposed to get a refund of around {$100.00} dollars weeks ago circa XX/XX/2023. They said they couldn't put on my original card cuz I got a new one and they offered no options on the refund Then they said they could put it on my new card and it apparently " bounced back '' and to call the bank. The bank said that didn't happen. They ran it again and it didn't go through. I called and they said they would put on a refund check and it would take 14 days to process and it never came. This morning I got an email stating it couldn't " go back on the original payment method ''? I was so confused that they lied and wouldn't give me a refund. I don't want to wait 2 weeks for a check being mailed to me as previously promised. I want it on my new card from the same bank because I got a new because of fraudulent charges. I'm XXXX XXXXXXXX and desperately need that refund on my new card ( as promised ). I think it was because from the initial payment that they got sued by a federal agency for never doing again to people without services being performed. I will never use Lexington Law again. They had 5 items removed after paying 3 months of {$100.00} and my score was displayed was way higher on XXXX then it actually was when I checked XXXX officially. I do not recommend this business to anyone! I tried to go on the lowest costing plan ( {$25.00} ) but they said they can only remove one item in 4 months. So you're actually paying to have {$100.00} to have one item removed. I'm so upset I may whistleblow CFTB. So disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning of XX/XX/2023, Transunion deducted 30 points for absolutely no reason... why?
Product: Mortgage

I applied for a short sale back in   XXXX   XXXX     with  Wells Fargo Home  Mortgage. I was told that the turn around time wa s 1 week for docs to be reviewed. It has taken them 3 to 4 weeks to review documentatio n, each time requesting something else. I explained that I was trying to keep the payments up on this house and needed to close as soon as possible. My point of contact with  Wells ne ver reached out to me. I spoke to him  two times  and it was due to me initiating the call. I have spoken to managers and been given different answers concerning the short sale approval. I was told that the loan needed to go to HUD for approval due to the appraisal coming in low as compared to what is owed on the loan. However the initial appraisal was obtained in the end of   XXXX   the beginning of   XXXX   so why would it take until  XXXX  for the loan to go to HUD for a variance. I was just told today that the loan went back to HUD for another variance. I have been in communication with the  executive o ffice and was told I should have an answer no later than this week. So far no one seems to know, understand or care about what the dela y ( s ) a re or have been. Since I am used up my tax refund to keep up with the mortgage, I am now late. From   XXXX   until now I was on time. It seems like they want me to loose my home. I spoke with   XXXX   XXXX   today and it appears as though the previous note s may have b een removed as he does not seem to have evidence that the loan went to HUD in  XXXX  for a variance. However, I have a ticket number for the original variance with HUD and that number is  XXXX  evidencing HUD approved the Variance. Please assist in researching the matter as I do not want to loose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to the XXXX, XXXX, and Transunion Credit Bureaus last XX/XX/XXXX, requesting the verification and deletion of the accounts and information on my credit file which I found to be fraudulent items. Upon reviewing a copy of my updated credit report, the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act sections 605n, within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 XXXXXX/XX/XXXX. Let me remind you that under the Fair Credit Reporting Act section 605b, you are expected to remove the disputed accounts and information off of my Credit File as they resulted due to identity theft. If you claim the items are accurate and verified, send me copies of proof or any documents supporting your claims. If you are unable to provide such documents, I need you to remove the disputed items immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX, and XXXX  is reporting a collection/charge-off on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that is it impossible to be late in paying on an account that has a {$0.00} balance and since the account has a {$0.00} balance there is nothing to collect and/or charge-off. This false reporting of lates/collection/charge-off is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian regarding their continued inaccurate reporting of my XXXXXXXX XXXXt loan account XXXX XXXXXXXX, despite my repeated attempts to resolve this issue through disputes and corrections provided both by myself and XXXX. Experian is violating several sections of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( XXXX ) by failing to correct these inaccuracies. 

Specifically, Experian is in violation of : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c Consumer Financial Protection Act ( XXXX ) - 12 U.S.C. 5531 I have attached a copy of the original correspondence from XXXX, dated XXXX XXXX XXXX which confirms the correct balance and payment status of the account, proving that Experians current reporting is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate items from my credit report,
which I believe are negatively impacting my credit score. After a thorough review of
my credit report from your agency, I have identified several items that require
immediate attention and deletion. I have provided the details of the disputed items
along with explanations of the inaccuracies,the information reported for the abovementioned account is inaccurate and does not reflect the current status of the
account. I have enclosed supporting documentation that validates the correct
information.I have no clue what in the world the Credit Bureaus are trying to
accomplish by ignoring my request but it's just creating additional emotional &
physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting
Act (FCRA). Kindly help me remove the following items immediately: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax is violating the FCRA and not adhering to the law governing such. The accounts are as follows : 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 

15 U.S.C. 1681 ( A ) ( 4 ) " here is a need to ensure that credit reporting agencies exercise their grave responsibilities with fairness and impartiality, and a customers rights to privacy. '' 15 U.S.C. section 604 ( A ) ( 2 ) " a consumer reporting agency can not furnish an account without my written permission.

15 U.S.C 1681 ( b ) ( 2 ) Permissible purpose of consumer reports. " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. C 1681 ( I ) Procedure in case of accuracy. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

Equifax has taken 60 days including the investigation. I have all certified mail receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. JPMCB - AUTO FINANCE on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX CR SVC on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had a credit card with Bank of America. I paid it off and closed it in 2016. The card is still on my account. I want this account to be deleted from my account. I sent disputes to XXXX they refused. I asked the company they refused. I want this account deleted from my account. It is paid off. This is harassment. Bank of America is doing harassment. I will get the XXXX XXXX if I have to and make it public and ask to be paid damages for harassment. They better take this account off my credit report. It is paid off and it is old. Take it off my account. This is harassment. This is racism. Bank of America is XXXX XXXX company. 

Thank you! 

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

Hi, I recently this month disputed a debt with   XXXX   and  XXXX .  XXXX  accounts under  XXXX   XXXX .   XXXX   took all  XXXX  off.   XXXX   denied all  XXXX . If I even ever owed this debt reported as owing to  XXXX   XXXX , I dispute that I presently owe the debt. If I ever owed it, then I defaulted upon this debt on  XXXX   XXXX ,  XXXX  and the six-year statute of limitations to commence a collection lawsuit passed on  XXXX   XXXX ,  XXXX . Today is  XXXX   XXXX ,  XXXX . No lawsuit was ever commenced. This debt was erroneously reported on my credit report as a valid and collectible debt having a charge off date of  XXXX   XXXX ,  XXXX . This entry is thus not accurate because the debt would no longer be collectible under local law as it is an out of statute debt ( 10 yea rs ). I requ ire that you remove any and all reference to this debt from my credit report at once and that you recalculate and amend m y credit score wit hout the effect of this debt computed into the calculation.  XXXX  #  XXXX . Thank you!  XXXX   XXXX
Product: Credit card or prepaid card

Citibank XXXX XXXX XXXX, in XXXX XXXX, SD, XXXX will not acknowledge the fraud, Identity, and credit card theft of my Citibank XXXX credit card on XX/XX/2020. This fraud occurred while I was on a website XXXX XXXX XXXX chatting with a subcontract chat person working on the site. Unknown to me, she was part of a scam group that tells visitors ( me ) to download a program called " XXXX. '' The scammer says to download this program required to have a group chat, which I did. However, the program is actually ( unknown to me at the time ) is a computer troubleshooting application for technicians to enter one 's computer to solve hardware issues remotely. While I was chatting with the person, she was able to enter my account at the internet site without my awareness and stole my credit card. At that time she purchased several large amounts of " tokens '' ( totaling XXXX tokens in about 30 minutes! A breakdown of the valid and fraudulent tokens posted to her account was listed on the site. Note, most tipping by chatters is approximately 15 to 20 tokens per 20 minutes. The perpetrator then posted the tokens to her account for her profit, charging my credit card {$3600.00}! I have not paid this charge. Because of interest accrued, the amount now due is {$4100.00} per the XXXX Citibank statement, as of the closing date of XXXX XXXX, 2020. My credit rating dropped over 100 points because I will not pay the fraudulent charges! Citibank has given various inconsistent reasons why I am responsible, over several months, all of which are completely incorrect because of their refusal to accept the charges were fraudulent. They state I was aware of the intrusion (! ), and I charged this amount for a service obtained. In actuality, I " tipped '' the person only {$9.00} ( XXXX tokens ) for a chat interaction over a period of about one hour. No other tips were given! I am angry at Citibank because this group will not reverse the charges. Citibank has not followed the credit card fraudulent pertaining laws, nor have they followed their policy of not charging a credit card consumer when there is fraud involved on a credit card!!
Product: Money transfer, virtual currency, or money service

I was contacted XX/XX/XXXX to purchase something I had listed on XXXX XXXX for sale and they wanted to send payment to prove purchase intent since I was on my way to work. We set upa morning meeting before discussing payment, everything that had been normal for previous sales, then I listed how I was able to take payments which XXXX was chosen. 

They claimed to send payment and I received an email saying I had to upgrade my XXXX  to a business account in order to receive the {$1500.00} because it was over my acount type limit. I knew there was a difference being an individual vs a business using XXXX because I had seen the fee note during previous legit transactions, but I couldn't find something that specified what was being asked and I was then at work so short on time. 

Supposedly an extra {$300.00} was sent to initiate a business account that I was to immediately return, which I did after research again turned up nothing ( including scam warnings ), but I refused to continue anything else when another email wanted an additional {$100.00} to activate a business account and give me access to the {$1500.00} payment. 

I contacted my bank, Prosperity, as soon as they opened the next morning ( Friday XX/XX/XXXX ). The transaction still said pending to me, but my bank said it was already completed and to call back Monday for someone that could better help me. I called back Tuesday XX/XX/XXXX because I had been out of town and was immediately told nothing could be done regardless of Regulation E, but " please let us know if you do find something that says otherwise. ''