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

Dear Sir or Madam : I am a victim oXXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 couldnt believe it when I saw that there are inaccurate accounts on my credit report, dragging my score down. Its frustrating to think about how many opportunities I might have missed because of this. I never authorized these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 card

I have had to call Care Credit and/or talk to multiple representatives six times in twenty days. I have never experienced such horrible customer service and lack of professionalism. Every time I call Care Credit, I am told finance charges are being waived and that the payments will be adjusted from the Promotional Balance and placed on the Revolving Balance as I have requested. I am also told that the payments I am currently making will be applied to the revolving balance as requested. Yet, every single time I call or get a new statement, nothing I have requested has been done, or it has been done at one time, and then reversed to the promotional balance. I have to micromanage this company every single day. They apply the total payment to the promotional balance in order to keep all of your balances active so that they can continue charging the maximum interest and assure that your balances do not go down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pretty simple ... ... .My mortgage loan holder XXXX XXXX stated they would stop reporting any derogatory information to credit reporting agencies during the COVID-19 pandemic. 
In XX/XX/XXXX a ( Late Payment ) was reported to TransUnion, XXXX, and XXXX ... .I submitted an online request to have this derogatory information deleted. They all have failed to comply with this request as of XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent XXXX/XXXX
Product: Mortgage

XXXX XXXX XXXX on XX/XX/scrub>, 2024. He had to go through his belongings to find out who the mortgage was through. We paid the home owners ins. and flood went to paid the property taxes but the mortgage company had already paid them before they were delinquent. They told us the only way we could pay the money back was to enter a repayment agreement which they never sent despite 5 0r 6 request on the phone and several faxes sent to XXXX and Carrington Mortgage. The next thing was a call from some appraisal company requesting to have the property appraised which we refused. We later found out that the property was up for foreclosure even though we had not received any notice of a foreclosure proceeding. After much research I found out the the original holder of the XXXX, XXXX sold the mortgage to XXXX and XXXX off of these reverse mortgage companies have had several complaints against them for false advertising to the Elderly inducing them into these reverse mortgages and then adding unlawful fees to the mortgage and inflating the loan balances to foreclose on the property. These events are word for word what happened to my parents. XXXX has enter the class action lawsuit against XXXX and XXXX for ill practices against elderly mortgage holders who fell for these reverse mortgages. Also XXXX has been cited by this Bureau for false advertising and other bad faith actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with equifax XXXX XXXX about these unknown inquiries. I need this removed this is not my debt or doing. This closed account from new horizons finance also is not mines. Please delete this from my report .inquires from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( closed account )
Product: Credit reporting or other personal consumer reports

[ DISCOVERBANK ] XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ] Subject : Request for Removal of Outdated Closed Account from Credit Report To Whom It May Concern, I am writing to formally dispute the reporting of a closed account that appears on my credit report. This account exceeds the reporting time frame allowed under the Fair Credit Reporting Act ( FCRA ) and should be removed. 

Account Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account Closed XX/XX/XXXX Account last reported Last reported XX/XX/XXXX Amount Owed {$4300.00} Payment status In Collections/Charge-off Remarks by creditor Profit and loss write-off Dispute resolved reported by grantor Dispute resolved reported by grantor Account Name : [ XXXX XXXX  Account Number : [ LAST XXXX # XXXX ] Under the FCRA, negative information, including accounts that are closed, may only be reported for seven years from the date of first delinquency. Based on my records, this account was closed and is beyond the allowable reporting period. As such, it should no longer appear on my credit report.

I respectfully request that you investigate this matter and delete this account from my report. Please find attached copies of the following documents for your reference : A copy of my credit report with the outdated account highlighted. 
Any other supporting documentation to confirm the account 's age and status. 
Please confirm that this account has been removed from my credit report within 30 days, as required by law. If the account can not be removed, I request a detailed explanation of your investigation and the reasons for continuing to report the account. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Product: Debt collection

My complaint is regarding two companies known as Sequium Asset Solutions and XXXX XXXX XXXX. On XX/XX/XXXX I initially complained to the CFPB about XXXX XXXX XXXX placing the false account below on my credit file, When confronted by the CFPB, XXXX XXXX XXXX initially took the false account off my credit files, but they must have sold the false account to another company, Sequium Asset Solutions. This new company added {$1.00} to the balance of the false account and now put it again on my Credit files on XX/XX/XXXX. This is not my account and i will be pursing legal remedies against the above mentioned companies if they do delete this false account from my credit files and cease and desist from these activity in the future. 


SEQUIUM ASSET SOLUTION Original creditor : XXXX {$570.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$570.00} {$570.00} I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XXXX of XXXX. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same two accounts on my XXXX XXXX and XXXX credit files. This is not my account and i want it removed from my XXXX, XXXX and XXXX  Credit files permanently. Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$570.00} {$570.00} Payment Info Original loan amount {$570.00} Balance {$570.00} Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Immediate Action Required to Resolve Identity Theft and Close Fraudulent Account I am writing to express my extreme concern and frustration regarding a case of identity theft that occurred in XX/XX/2023 and subsequent accounts in XX/XX/2023. Unfortunately, despite multiple attempts to rectify the situation, the issue persists with my XXXX XXXX XXXX XXXX account. 
I reported this incident under the claim number XXXX on XX/XX/XXXX, and provided the confirmation number XXXX. 
To compound the matter, I recently received a dispute closure message from Experian Credit Agency about a XXXX XXXX account that claimed the customer is not in agreement. However, no one from XXXX XXXX has contacted me to verify any information, leaving me in the dark about their verification process. 
Despite my repeated calls to customer care, the necessary actions to close the credit card account have not been taken, even after a month. I have also submitted an appeal, including essential documents such as the police report, FTC report, lease documents, utility bills, and driver 's license details to XXXXXXXX XXXX 
I urgently request your assistance in closing the fraudulent XXXX XXXX XXXX XXXX account and ensuring its removal from my credit report since those accounts and credit card is not mine. Additionally, please take prompt action to eliminate any associated addresses linked to the unauthorized account. 
Your immediate attention to this matter is crucial, as it has been an ongoing issue that needs swift resolution. I appreciate your understanding and cooperation in resolving this distressing situation. 

In addition bank needs to compensate me for all these mental stress and for my efforts to close the account which should not have been allowed to be created in the first place without proper verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

so I sent a letter off on XX/XX/2022, to remove personal information that I dont that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. According to 15 USC 6802. no financial institutions is not supposed to share my to third party companies.

these are clear violations of my consumer rights.
Product: Credit card or prepaid card

I received an XXXX XXXX branded Bank of America Prepaid card with a balance of {$16.00}. I misplaced the card until about XXXX of XXXX. I made an attempt to activate it and was unable to because the card had expired in XXXX of XXXX. I called Bank of America in or about XX/XX/XXXX and requested that a check with the remaining balance be issued in lieu of a replacement card. I was told this would cost me {$5.00} and I would receive a check for {$11.00} in the mail in 6-8 weeks. More than 8 weeks passed and I called to inquire on the status of my check. They confirmed one had been sent and agreed to send a replacement check, again within 6-8 weeks. As of XX/XX/XXXX I have not received anything from Bank of America. I called to inquire about the status of my check once more and I was told by a representative that my request for a replacement check was " not approved. '' He could not explain why the two representatives before him had agreed to issue replacement checks if my requests had allegedly not been approved. He said that only his supervisor would know, so I consequently asked for a supervisor and was placed on hold. After one hour on hold I could not be on the phone any longer and had to hang up.
Product: Credit reporting or other personal consumer reports

Inaccuracy in the Account Status : the account was marked as " closed '' and I believe it was inaccurately reported or that the balance should have been updated differently. 

Discrepancy in Payment History : The payment history shows many " CO '' ( Charge-Off ) entries, which can significantly impact my credit score. This is are inaccurate.

Written-Off Balance : I want to clarify or dispute the " written off '' balance it was incorrect because the debt was paid or settled in a different manner. 

Dispute of XXXX XXXX XXXX  Account - Account Number : XXXX
Product: Mortgage

Over the past two years I have requested information from Wells Fargo concerning what I believe to be inappropriate steps leading to the foreclosure of my home and ultimate sale. I have requested information on the number of homes foreclosed and sold in certain geographic and census tracts. I feel that my loan was not considered for a modification appropriately. The only remaining need for consideration for a modification was a statement that the utilities were on at the location. I provided Wells Fargo with a statement from the utility company with the service location noted. The utility company mailed the statement to my XXXX. The XXXX is listed on my Wells Fargo Account and has been listed for 5 -7 years. I provided Wells Fargo with the reinstatement letter on the day of the sale. This was the exact same information I provided to Wells Fargo 30 days prior. I believe Wells Fargo for a cancellation on the sale. Wells Fargo refused to post pone the sale. Based on the history of behavior, I believe my home along with others that were located in transitional economic areas were targeted to be sold to a subsidiary of Wells Fargo and thus taken off the books. I am requesting information on the number of foreclosures, in the year XXXX and XXXX and the geographic location of these foreclosures.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX  PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C WITHING 4 BUSINESS DAYS. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.
Product: Credit reporting or other personal consumer reports

I am interesting in processing disputes on my credit report to delete and remove all inaccurate information that is hindering my file. none of the information below is following the FCRA guidelines. I am a victim of identity theft none of these accounts are verified or accurate on my credit report. please review an remove all listed items on my credit report asap.
Product: Credit card or prepaid card

I understand that this complaint might be handled by the executive office of CitiBank and that's actually a concern for me. I can't count on CitiBank executive office staff members.

I had an issue with CitiBank customer service, following which a team member from Citibank executive office called me apologizing for what happened. The team member also provided me with the direct phone number of their executive office for in case I need to reach out to them directly in the future. The number is XXXX. 

I applied for a credit card. I was advised that there are no issues relating to my credit score and or any other factors for having my credit card application approved, it's only an identity confirmation that is pending for the card to get approved. I was told that I would receive a letter via mail for verification purposes. I was advised upon receiving the letter I would need to call CitiBank customer service to confirm my identity and then the credit card would be issued. 
I never received that letter from CitiBank. I called the executive office phone number that was provided to me when I realized
that phone number is taking me only to their general customer service, and the general customer service then telling me the executive office of CitiBank is not reachable over the phone. This means the team member who provide me that phone number is fake and misleading. 
I can't believe I applied for a credit card with such a below standard bank. If the CitiBank executive office is so misleading, what more can I expect from their general customer service. 

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

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8200.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$810.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1500.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$9800.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$220.00}. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Vehicle loan or lease

I was shocked when reviewing my credit report and found a late payment on the date below : XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

To whom it may concern, I wrote you requesting validation of this alleged debt on the month of XX/XX/2023. As of today, I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically, the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for you collection of this alleged debt? 4. Please send evidence your authorization to do business or operate in the state of ( Texas ) 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Best Regard
Product: Debt collection

In XX/XX/XXXX I got an email from a debt collection company Hunter Warfield about an debt that I supposedly to an old apartment complex, for damages. As soon as I got the email I called the company and gave proof that I did not owe this debt. After the call I did not hear anything from this company, and in XXXX of XXXX a collection was placed on my credit report. I have tried dispute this several times, with no luck. While, on the call on with this company one of their representatives tried insinuate that not paying this debt could hurt my chances of buying a home, before the guy I spoke with could finish the statement he was stopped by a manager listening to the call. The manger then asked me to resend proved of payment and gave me the wrong email address. I called back to get the correct email. I then after the call, called my old apartment complex to have them pull my pre-move in checklist that listed all the damages to my apartment before I moved in. The apartment representative said that she would have the manger pull the information I requested. Since that call in early XX/XX/XXXX I have not hear back from the manger, and they are avoiding my calls and refuse to talk to me. I called the collection agency back to see if they would close this debt for a lower rate, and they refused to accept the amount to close the account and fix my credit. I have tried everything that I can think of with no luck. I will proved the photos of the apartment with timestamps of when they were taken, my last bill, and money order that I paid with. Also I am going to be sending pictures of the emails I sent to this company, and got no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing the complaint because I've disputed these accounts multiple times and have received no results or the evidence of accuracy.