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

My Experian XXXX XXXX credit report shows an outstanding late payment that hurts my credit score. However, every creditor on that credit report, both open and closed accounts, show that I have an " Exceptional Payment History. '' Experian will address late-payment reports only if I tell them which creditor to bother. In this case, there is no report. Their telephone agents merely say they can't help me. I am frustrated because I have paid nothing late for more than ten years, and do not deserve this negative mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent to Equifax a letter and beyond the time allowed by Federal law have not heard back from them informing me if an investigation has taken place. The letter I sent to Equifax stated that I finally had been relieved of a few fraudulent accounts placed on my Equifax credit report, all fraudulent accounts were deleted except one account. I informed them that there was one final fraudulent account left on my Equifax credit profile. I'm just desiring to get passed this ongoing attempt to be given what is righteously due to me, JUSTICE. I have provided Equifax with laws they are violating against me and also informed them of what my financial compensation could be if they are found to be willfully or negligently non willfully causing me pain by not deleting this erroneous and fraudulent information as stated in the FCRA. I have given to this company FTC reports, statements personally by me via letter about how I had been defrauded, as well as other laws that are being ignored. It seems I am being purposefully ignored and mistreated by Equifax. I will NOT be taken advantage of anymore. Delete this from my report as it is not mine! Or next I will seek litigation. I have provided an attachment that contains my FTC report, dispute sent to Equifax on XX/XX/2022, Drivers License ( this is also is my proof of current residence as I do not have any bills in my name ), a correspondence from Equifax stating how they deleted the fraudulent accounts, and my social security card. I gave Equifax No permissible purpose to report anything on my report and demand this be deleted according to 15 U.S. Code 1681b PERMISSIBLE PURPOSE OF CONSUMERS REPORTS.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> DEPT OF ED XX/XX/year> DEPT OF ED XX/XX/year>
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the consumer credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint # XXXX as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the Capital One Creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 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 card or prepaid card

On XX/XX/2022, I closed a secured credit card, named XXXX XXXX, with Citibank. At the time of closure I requested my deposit of {$2500.00} be returned. On XX/XX/2022 I received a letter from Citibank confirming the closure of the account but was informed Citibank would retain my deposit for 21 days per Citibanks policy. Under Regulation DD, 12 CFR 1030.2 ( a ), once the account is closed the {$2500.00} would be considered a depository account and are subject to Truth in Savings Act regulations. Per12 CFR 1030.2 of the Regulation DD, these funds are required to accrue interest until the funds are withdrawn from said depository account and returned to the consumer. I contacted Citibank on XX/XX/2022 at XXXX PST requesting either the accrual of interest or an immediate withdrawal and refund of the {$2500.00}. I spoke with a supervisor by the name of XXXX who refused to do either. I purport Citibank has used my funds for their institutional investment purposes and as such are benefiting from retaining my deposit for 21 days. Therefore the full regulations under the Truth in Savings Act apply and Citibank must comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX, {$3500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Debt collection

( from XX/XX/XXXX to today ) XXXX XXXX XXXX did not have all of my invoice covered by insurance. Apparently, they tried to bill me but kept sending the bill to the incorrect address even though they had my mailing address on file. They did not email nor call me to inform me that an amount was outstanding rather they turned it over to a collection agent Professional Finance Company. They have my phone number and email, they just chose not to use it or the correct address. I have applied for a mortgage and this small charge of {$150.00} has reduced my credit score from the 800s to the 600 's which will end up costing me tens of thousands in additional interest. 
The actions were negligent, irresponsible and uncaring and I have to pay the price. As soon as I learned of the bill I paid it immediately ( today XX/XX/XXXX ) but they should be responsible for the unfair and bad trade practice and to pay for the additional funds that I will have to pay on my mortgage.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$71.00} or XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$180.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/year> Dear LVNV FUNDING LLC Re : XXXX XXXXXXXX BANK N.A. 
I am writing to request a validation of a debt you claim I owe, as outlined in your letter dated XX/XX/year>. I am disputing the validity of this debt and request that you provide me with the information necessary to confirm this debt is valid as per my rights under the XXXX XXXX XXXX XXXX  Act. 

Please provide me with : XXXX. Documentation of the name of the original creditor. 
XXXX. An account of the debt, including the amount you claim I owe, any fees, and any interest. 
XXXX. Proof that you are legally authorized to collect on this debt. 
XXXX. Copies of any documents showing I agreed to pay this debt. 

Please treat this letter as a formal dispute of the debt until the requested validation is provided. Additionally, cease all communication with me regarding this debt, except for providing the requested validation. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation. 

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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, 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. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got my report and i think its wrong! I was told i have a right to have aninvestigation done, creditreporting laws.ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct the fallowing information, therefore, needs to be reinvested. Please make sure everything pertaining to my credit report is corrct. 

Please provide me with the fallowing items. 
pay off disclosure intrest rate disclosure Balance history payment history credit insurance Accounts Fstprogress XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Target/ TD is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Target/ TD, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Target/ TD whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Target/ TD never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, and Proof of Address with my most recent bill.
Product: Debt collection

Penn Credit Keep Calling My Residents About A Debt That I 'm Unable To Pay At This Time I Told Them That I 'm XXXX And Was Not Working And Did n't Have The Funds But They Keep Calling Me After I Told Them To Stop Calling And I Have Contacted A Law Firm But They Said They Got To Be Calling My Cell Phone For Them To Take The Case But They Are Calling My Home Phone Instead Of Cell Phone And I Want It To Stop The Name Of The Law Firm I Contacted Was XXXX XXXX XXXX They Offer {$1500.00} For Each And Every Unwanted Call You Receive To Your Cell Phone Even If You Owe Them Money This Is Harassment
Product: Student loan

I had federal and a private loan with XXXX XXXX in 2001, I was told by XXXX XXXX that I had an outstanding amount due after I had paid the full amount of my loan, I was told that when Obama came into office, he separated federal and nonfederal loans? and that there was a small unpaid amount of XXXX dollars, that went ( somewhere ). I was uninformed, the debt collection company that contacted me was called XXXX, they were horrible - they were insulting and called me at work, on my cell phone they were relentless. I called them and settled on paying the loan for a fraction of the price I believe I paid XXXX and they agreed to remove the rest of the debt and show it paid on my credit reporting. Earlier this year, I saw the debt magically reappear on my credit report under a new name Navient. I called Navient today to tell them that this debt was paid and to remove false reporting from my credit, I was told by the customer rep, that XXXX now has my debt loan and I would have to go through them to pay again, or provide proof of payment, Navient claimed they had NO control over my account. I understand XXXX XXXX is also Navient and Navient is XXXX XXXX. They keep lying about the loan, and shuffling it back and fourth between entities and adding fees and making it impossible to track, pay, and they claim there is no paper trail, they have refused to provide any documentation, and I have NO way of removing a XXXX year debt from my credit. PLEASE help.
Product: Bank account or service

I asked Citibank to close my account as of XXXX/XXXX/2016. They promptly responded saying I needed to withdraw the remaining funds of {$6.00} from the account, which I did on XXXX/XXXX/2016. However, they failed to close the account even after I withdrew the funds, and now I have an overdraft charge of {$12.00} on the account ( since it is XXXX/XXXX/16 ) even though there were no further transactions on my part and the account was at {$0.00}. Customer service has been unresponsive and demanding {$12.00} before they close the account.
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 XXXX credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$450.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I paid a settlement with XXXX XXXX for the amount of {$8100.00} in exchange for a complete deletion of all records from my credit report. They submitted this information to Equifax, XXXX, and XXXX shortly after. 
XXXX and XXXX honored their request, and promptly complied and removed the account from my records. 

Equifax has neglected to remove this account, and it still remains today. This has severely affected my ability to seek new credit. 

I have disputed this incorrect record several times with Equifax to no avail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my credit score. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Account name : XXXX Account XXXX : XXXX
Product: Credit card

Citi.com ( their Costco product ) I disputed a charge. They appropriately credited my account -- then inexplicably put the charge back on my account. Their customer service department says it will take 6 months? They are still charging me the full amount ( XXXX ) on my monthly statements and say there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do have had a medical problem. Ive got a XXXX and not able to work. I have asked bank of Flagstar ( its mymortgage bank ). They did guide me by writing letter to say that in order to eligible for the hardship program you must NO PAID the mortgage atleast 60 days! so, you are not eligible for the program because you still pay it on time!!! I have followed the guide from the bank that holding money in the bank and not paid mortgage with hopefully that my application of hardship program is considered for approval. Unfortunately, the bank has cheated on me about that. I have complained about this and keeping paid mortgage on time. Until now I always paid it on time ( for over 10 year ). I officially request and say hat the flagstar bank has made this mistake happens! By letting customer misunderstood about the program and get the bad credit score ; so, they have got responsibility to correct my credit score. It is not my fault. I have kept payment for my mortgage on time always, I believe. Please, help me out from the trap of the flagstar bank. I do appreciate your help and thank you very much.