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

I realized I had two inquiries I did not authorize on my report. 
XXXX XXXX VIA Dealer XXXX XXXX XXXX XXXX These inquiries did not authorize and I asked this to be removed do to identity theft this is very disturbing and I have place fraud alerts on my credit file already. Please remove these inquiries from my credit report please.
Product: Credit reporting or other personal consumer reports

I received an updated credit report from Transunion on XX/XX/XXXX for the XXXX account. The late payment for XX/XX/XXXX was, in fact, deleted but is still showing on my credit report.
Product: Credit reporting or other personal consumer reports

In the year XXXX, my husband and I submitted our taxes and we received a notice on XX/XX/XXXX that we had a cancellation of debt from Citibank, NA that was for the amount of {$18000.00}.

I had sent back the forms to the IRS stating we did not agree with the changes made. Due to covid it was incredibly difficult to contact anyone at the IRS at that time and took much longer to get information. We attempted to contact Citibank multiple times regarding the debt and were told the account didn't exist. We continued to receive notifications regarding this debt and I signed a form ( XXXX ) for the IRS ( an Operations XXXX XXXX ) to look into the debt on XX/XX/XXXX. 
We began getting letters again stating the amount was due and I spoke to a person who said that the IRS found the account to be valid. I stated I wanted proof of the account, as Citibank stated there was no account and a social security number must've been typed in wrong. I was told it would be sent to me and no such proof was ever sent. Many months passed, and I received a notice again on XX/XX/XXXX. I spoke to a woman at the IRS on this date, that I never received proof, and she stated yes it wasn't a valid account, it would now be resolved. The letters were a mistake. On XX/XX/XXXX I received a notice in the mail stating our accounts could possibly be seized over this debt. I spoke to a lady about this and she placed our accounts on hold due to the inconsistencies and to obtain proof of the account not existing, as I had contacted Citibank repeatedly, again, and they continued to state they did not have any record of the account. She stated I would need to send in a letter from Citibank stating the account did not exist and to send it to XXXX reconsideration. They extended the pause on the account until XX/XX/XXXX. I could not have Citibank send the letter to the IRS but had to have it sent to me and then send it on to the IRS.

I contacted Citbank, went through everything with them again and they stated the only way I could get a letter was to send a fax to Consumer Credit Investigations with our IRS report, licenses, a note regarding what was happening with the account, and our mailing address to send the results of the investigation. They stated it would take at least 30 days to receive any result I sent the fax on XX/XX/XXXX and printed out the receipt. Nothing came back after months, so I called Citbank again and they would do nothing more, even after asking for a supervisor. They said to send out another request via fax. I did so on XX/XX/XXXX. It is now XX/XX/XXXX and the short term pause is over, the IRS has sent another demand for the money and I have received no response from Citbank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and Dept of ED have fraudulent accounts on my credit profile that need to be removed immediately.
Product: Credit reporting or other personal consumer reports

I feel taken advantage of as a consumer. My credit report is reporting inaccurate information that was never fully verified to me by this bureau when requested.
Product: Mortgage

loancare LLC, which operates loancare.com, appears to be part of a recent ransomware attack, ( XXXX XXXX XXXXXXXX ) Has not released any information to clients regarding how we are to pay bills, what the status of the hack is, if any of our data has been compromised, etc. 

I have attempted to access the site multiple times on XX/XX/XXXX and XX/XX/XXXX. Other users are reporting a similar issue on several social media sites, and it appears to be affecting multiple servicers ( not just Loancare, but XXXX in its entirety ). By other user 's statements on these sites, their services have been down for over a week. 

Since the hack, I'm attempting to confirm if my transfer is valid or a phishing attempt, but am unable to access systems to confirm legitimacy of these documents I was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my walet and there was my social secury number my greencar my ID 2 debit car and some money That was happened in XX/XX/2016 but now i have 4 credit repor they stold me all my information and make lons and i have problems now
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One did not cancel my card when I had fraudulent charges along with a dispute that was never settled and then reported my missed payment to credit bureaus and destroyed my credit score.
Product: Checking or savings account

I deposited a check issued from our insurance company a couple months back when and didn't know I had to get an endorsement. We acknowledge she is at fault for that, but this whole situation is being overly complicated by XXXX in the first place. 
XXXX comes, our car is repaired, and we prepare all the necessary documents XXXX needs to resolve this dispute. Last week, we were finally able to collect all of them and send them over, just to find out despite sending all the documentation they require, they still don't want to authorize payment. Now, our insurance company won't reissue a copy of the check because the check is cleared and suspended, our bank won't release the funds because they are protecting themselves from legal liability, and XXXX won't authorize the check, because they are being stubborn I guess. We haven't had this car in months, haven't defaulted on payments, haven't defaulted on our contract, and since this vehicle is leased, I imagine it's in their best interest to also have this vehicle repaired. 
I've done everything in my power to rectify this situation, but the only thing I can do from here on out is take legal action. We've wasted days, talked to multiple reps, gotten our bank and insurance company to talk to these people, been given ample misinformation, and nothing has been resolved about this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LOOKING FOR HELP GETTING THESE FRAUDLENT ACCOUNT REMOVE. I AM HOPING I AM CONTACTING THE RIGHT COMPANY. BUT I AM A VITCIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. THE ACCOUNTS ARE HAUNTING ME. I HAVE BEEN TRYING TO FIND THE CORRECT REMEDY TO GET THESE ACCOUNTS REMOVED. NOT ONLY DID THEY OPEN ACCOUNTS BUT THEY ARE INQUIRING ABOUT NEW ACCOUNTS. I HAVE SEVERAL FRADULENT INQUIRIES AS WELL. PLEASE HELP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Amount : {$560.00} Date Opened : XX/XX/year> Youre reporting an account that does not belong to me. Im requesting a 30 day investigation to prove this debt belongs to me. If you can not send me proof please delete this from my credit report immediately. Below are a few things I need to see in 30 days if not please remove from credit report. 

* Please show the original contract with my signature that shows I owe this debt.

* I need to see the assignment contract between you and the original creditor.

* Proof that this debt is within the statute of limitations in the state of Pennsylvania.

* Proof that you are a licensed and bonded debt collector and can collect debt in the state of Pennsylvania. 

Thank you Ill be looking to hear back in 30 days, if not please remove this unknown account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a year of yelling this company my credit card was STOLEN and then sending the account to their atty XXXX XXXX I spoke to supposedly 3 attorneys who stated they never got notice of my 3 affidavits I filled out and sent with police info - I gave up. This account is hurting my score so I was told to pay it off and then my new XXXX company will go after them for not helping when I had everything and evidence that provide my case. Now they are not reporting my payments made or lowered balance.
Product: Checking or savings account

The following Transaction IDs that I did file a dispute in PayPal 's XXXX XXXX they are all entitled to a XXXX XXXX  under XXXX by laws to use their logo my complaints keep disappearing from the Open and Closed XXXX XXXX  I have take the time to find them which in order to even find them I had to download a transaction history because for some reason they were not showing up in the online transactions. I think there are several others but this complaint is to demand that XXXX XXXX is now disputing all ATM transactions that are in the XXXX  day limit per XXXX by laws. 

XXXX, XXXX, XXXX, XXXX, XXXX, Transaction IDs that I am entitled to a XXXX XXXX BASED ON THE XXXX Day XXXX rules and regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX  XXXX XXXX XXXX limited edition. I got financed with Westlake financial Service they are located In California. I got the car XX/XX/XXXX. In XX/XX/XXXX, the loan was Paid Off. I was XXXX from my job of 18 years. XX/XX/XXXX & XX/XX/XXXX, paid late. It is Now XX/XX/XXXX, years later. I have hired XXXX XXXX XXXX and hired XXXX XXXX  for years. I Mailed Many Many Certified to Westlake Financial, with No Response! No Luck getting the Negative Derogatory Mark, impacting my XXXX  XXXX XXXX. Please Help! Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy DEPTEDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report. 


10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 


11. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  XXXX Account Number : XXXX Delete this account. 


12. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I sent in letters that they legally didn't respond to.
Product: Debt collection

I was sued but they did not hand the documents directly to me. Now they are demanding payment for a lawsuit that I had no chance to defend myself from. Illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown actor applying for credit card by stealing my identity. Unknown trans unionXXXX credit card application. 

Unknown applicants additionally accessed my XXXX account at XXXX XXXX and purchased phones on my account without my authorization.
Product: Mortgage

our XXXX, XXXX, and XXXX XXXX and our XXXX XXXX payments to Ditech servicing have cleared our bank. Ditech claims to not have received them. The payments were made electronically through our bank 's bill pay. XXXX XXXX, i first notified Ditech of XXXX and XXXX missing payments. despite repeated communiques, I have received nothing from Ditech regarding missing payments. I charge them with theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a repossession on the XXXX partial account number XXXX with an outstanding balance of {$5600.00}. ( Please see page attached from my credit report. ) I purchased a vehicle and shortly thereafter the engine blew. I took the vehicle back to the dealership where they replaced the engine. Even after this replacement the vehicle did not run so I returned it well within the time frame allotted. The coding of this account is incorrect and needs to be changed. This false reporting of a repossession is seriously harming my credit score and this line item needs to be updated to report accurate information. It is a violation of the Fair Credit Reporting Act ( FCRA ) to not report accurate information. I have contacted the bureau to either remove and/or update this account to report correctly however, I have not been successful.
Product: Checking or savings account

On XX/XX/2021 I went to Citi Bank at XXXX XXXX XXXX  XXXX XXXX, IL XXXX to inquire on a savings promotion that I received in the mail. The offer ( attached ) was a direct mail offer to me, and existing Citibank Customer to open a savings account with {$250000.00} in new money to received a bonus of {$1000.00} after the balance requirement was met after 60 days ( Maintenance Period ). The bank representative XXXX XXXX advised me to take advantage of a different in branch offer. Open a Citi Gold Account Package with Checking and Savings to earn a bonus of {$1500.00} after 6 months by meeting the qualifier of depositing {$250000.00} new money. The bank representative opened the accounts for me and deposited my check of {$250000.00} from XXXX XXXX  ( new money ). The funds were split amongst the 2 accounts {$200000.00} to CG Checking ending XXXX and {$50000.00} to Citi Savings ending XXXX. 

After the 6 month period passed I did not receive bonus. I went into the branch to speak with the bank representative but he no longer worked there. I spoke with the Branch Manager XXXX XXXX, XXXX XXXX Head Concierge and numerous other representatives by phone. XXXX stated that I did not qualify for this promotion because I already had an existing checking account. If I did not qualify for this offer they never should have recommended this type of account for me. The original offer I inquired about did qualify for existing clients but they convinced me to open a different account package. XXXX and XXXX told me they would escalate my complaint for an exception for the bonus to be paid since the bank representative disclosed the incorrect terms to me. I have not heard back from XXXX or XXXX. I have contacted him numerous times by phone. I still have not received a resolution and response. They are ignoring me. The bank representative used deceptive sales practices to increase sales numbers by having me open numerous accounts for a promotion that they are saying I do not qualify for. 

The attachment includes the account opening disclosures given to me, the account opening summary of the 2 accounts opened and opening deposit balance, statement with account opening date deposit and copy of check as proof of new money
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXXXXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX 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. 


TRANSUNION 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

therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I ) to ask that you provide me with the following information : 1. The date you contacted the creditor.

2. The contact information for the creditor.

3. The name of the person who verified the item to you.

4. The method of communication you used to verify this information