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

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX {$4900.00} XXXX XXXXXXXX XX/XX/XXXX {$6000.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX  days. 
See the documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : reporting my name, employer and several phone numbers incorrectly. My name shows as XXXX XXXX XXXX and it should only report as XXXX XXXX. Also, you are reporting several phone numbers that I have never owned and they do not belong to me. Please remove the following phone numbers from your report. Also, please remove the employer XXXX XXXXXXXX XXXX XXXX my employer is XXXX. 
Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX EQUIFAX : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. Please remove this incorrect address from my report. EQUIFAX is reporting Employer as XXXX XXXX They are not my employer XXXX is my employer. Please update my employer to say XXXX. 

XXXX : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX. Please remove this incorrect address from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the third party entity Lexisnexis Risk Solution to provide original signed documents of oath of who can testify an alleged bankruptcy on my credit file and they have not sent any proof or documentation of any method of verification. I contacted XXXX  and filed a dispute of this alleged bankruptcy and they put me on hold and muted the phone several times. XXXX  is not cooperating. XXXX  and Lexisnexis is violating my rights under FCRA reporting inaccurate information on my credit file. Pursuant to Texas Code of fair credit reporting, XXXX  has violated my rights of not cooperating to investigate the alleged bankruptcy and also violating my rights of reporting inaccurate information to harm my personal credit. As a consumer I have the right to request that XXXX  and Lexisnexis Risk Solution Center furnish a notification of deletion of the inaccurate disputed information of the alleged bankruptcy. In an effort to resolve the disputed alleged bankruptcy, Lexisnexis Risk Solution emailed me and asked for my social security number, driver 's license and address. This third party entity is asking for my personal information to sell my data and to pretend as if they had my identity information to report on my file. I have not given Lexisnexis authorization to my identity neither to report anything on my credit file. I have the right to file civil lawsuit against XXXX  and Lexisnexis for damaging my reputation and credit as a consumer.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 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 an 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: Checking or savings account

Bank of America has all of a sudden started charging me a $ 12 monthly maintenance fee on my checking account and an $ 8 monthly maintenance fee on my savings account. I've had my account for a number of years without these fees being charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

after a check of my credit report i ask the credit bureaus to do a detailed verification of these accounts, all came back verified. after checking, i find multiple inconsistencies and errors with these accounts after they claimed to have did their checks, i also did not authorise in writing that these accounts be posted. 

in accordance to the fair credit reporting act XXXX account has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

Dear Sir / Madam, I had taken Auto finance from Capital one auto Finance for my XXXX XXXX XXXX car in XXXX, XXXX for 4 year lease Account # XXXX I have paid early and my last payment of {$1800.00} paid through XXXX XXXX XXXX Check not through my personal check on XX/XX/XXXX. 
I called Capital one auto Finance department and asked them when can I have my lean released from your side. The reply from them was it will take 15 business days and after 7 more days they will post me release of lean after that I can take it to XXXX. I asked the lady why is this like you have to wait to have clear a XXXX XXXX XXXX XXXX so long? she said this is policy of Capital one auto Finance, I asked her can you please E-mail me the policy she refused, than I asked her that I want to talk to manger, When I asked manger she replied the same, I asked her I am on you website please let me know where I can find you policy, she said we do not have. 
I thought I am living in XXXX period of XXXX ; ; ; ; ; I told her that I am going to make a complain about it, she said we are not bother about it this is our policy. I told her that we are in XXXX so please do not push XXXX to XXXX XXXX XXXX. 
They should have develop a system online with XXXX to clear lean, I think they have link with XXXX for loan and insurance with all XXXX in all states that benefits them but not for people benefits. 
When some one has paid full amount why he or she have to wait so long?? 
I will highly appreciate it if you please look in to this. 
Thanks and Best Regards XXXX XXXX
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2018 we contacted our Bank of America to let them know we settled with a lender by the name of XXXX XXXX for a combined total of {$4600.00} for my wife XXXX XXXX XXXX and myself XXXX XXXX. We were informed by a Bank of America Claims representative that the temporary credits issued by them would not be reversed until our response was considered. On or about the XXXX of XX/XX/2018 Bank of America proceeded to reverse the credits and place our account into a negative balance in excess of {$700.00}. We contacted the Claims department and visited our local branch on several occasions requesting an explanation and our funds reimbursed as this matter was already addressed during our settlement negotiations. We were informed over the next several weeks that our claim was escalated, that no one ever reopened it to theyve determined the claim in the favor of XXXX XXXX without providing any documentation proving that our arrangement was invalid as promised by them.
Product: Debt collection

Citi settlement agreement in the amount of {$3400.00}. CitiFinancial withdraw from my XXXX checking acct of {$3000.00} on XXXX/XXXX/XXXX with the understanding that Citi would withdraw {$160.00} for 3 months to pay remaining balance of XXXX. They withdrew the first payment of {$160.00} from my XXXX acct on XXXX/XXXX/XXXX. I received a refund check from Citi on XXXX/XXXX/XXXX stating in the memo that the acct was paid out. XXXX XXXX contacted me from Citi in regards to this acct and I faxed her all my documents and I did n't hear from Citi financial anymore. All of a sudden I began receiving phone calls from XXXX XXXX ( OneMain Financial Collection Agent ) and I explained my case and submitted the same documents and heard nothing from OneMain. OneMain then sold the acct to another collections agency by the name of XXXX XXXX which was requesting that I pay the full amount of {$3400.00}. I submitted the same documents to XXXX ( XXXX XXXX agent on XXXX/XXXX/XXXX ). I then contacted CitiFinancial to obtain a refund of the money that was withdrawn ( {$3000.00} ) from my XXXX acct and they indicated that they had no information in their system in regards to my acct or any money paid to settle this debt. I have tried on multiple occasions to resolve this issue and everytime I submit my documents.. the acct is then sold to another agency. CitiFinancial refuse to refund the money I paid them neither acknowledge the fact that I paid the acct was paid out ( stated in the refund check from Citi Financial on XXXX/XXXX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I looked over my credit reports, thanks to the weekly Free Credit report by XXXX XXXX XXXX  and see that there are unauthorized inquiries reporting on my credit reports by the Experian, XXXX and XXXX.
Product: Debt collection

I suddenly have XXXX collection dates for XXXX XXXX XXXX I was never made aware. Never received bills, calls or any written or verbal communication. 
I have it on my XXXX report for collections with paramount recovery system. I reached out to XXXX XXXX XXXX  and they said all bills mailed where returned. Proving I never received. I have always had mail forwarding if ever I moved. It is not fair its on my credit report and I was never made aware. They gave me no opportunity to pay or confirm debt prior to go to collections.
Product: Mortgage

On XXXX XXXX, I entered into a closed end mortgage with XXXX XXXX  as the lender for a sum total of {$50000.00}. The contract provided for monthly payments beginning on XX/XX/XXXX and ending on XX/XX/XXXX total amount paid in full. 

A full payment was made XX/XX/XXXX which should have been the final payment. On XX/XX/XXXX I received a payment notice to make a full payment of {$430.00}, on XX/XX/XXXX I called Santander Bank NA who had taken over the bank and the mortgage from XXXX XXXX in XXXX. On XX/XX/XXXX I received an invoice stating that a balance of {$5500.00} .plus cancelation fees for a total payoff of {$5500.00} would be needed to pay off this mortgage in full. On XXXX XXXX I sent Santander Bank a check for {$5500.00} ( the amount of payoff ) On XX/XX/XXXX I received cancelation documentation that was dated XXXX XXXX the documentation included the original mortgage contract the was canceled and recorded by the XXXX County Clerk XXXX XXXX XXXX. Which stated the a for mentioned provisions of the contract. 

On XX/XX/XXXX I contacted Santander Bank and informed them what I had observed in the canceled contract the I received. They told me this needed to be escalated to there back office and that I could call then back on XX/XX/XXXX and they would have an answer for me. On XXXX XXXX I called back and I was informed that sometime during the life of the mortgage that 7 extensions were made to the mortgage they could not tell me how, when or why.. The canceled mortgage I received was the original document and contained no modifications or addendums. I asked to have a copy for there findings sent to me in writing, they told me that the normally do not do that but since I asked they would send me a copy of what they read to me over the phone but it would take 5 to 10 working days. That time period has passed and I do not find it productive to contact them again. At this writing I believe that the documentations that will be attached to this complain justify a return of {$5500.00} that I should have not paid.
Product: Credit card

I am still receiving harassing calls from CitiBank, even though I do NOT have one of their credit cards, and have NEVER had one of their credit cards. The calls began on XX/XX/2016. CitiBank received my original complaint about the calls from the CFPB, but for some reason, they keep calling me. Today, XX/XX/2016, was very difficult, as I was awakened by Citi Bank XXXX at XXXX XXXX. PST! They then called me AGAIN, at XXXX XXXX PST. 
I was worried an early morning phone call meant a medical emergency with my mom. 
The caller ID said " Citi Bank, '' and the phone number was XXXX, a South Carolina number. When I called the number back, a man answered, and it did not sound like an office. 
The other XXXX Citi Bank numbers on my caller ID, from XX/XX/2016, were " XXXX, '' and " XXXX. '' An XXXX with Citi Bank in XXXX XXXX, XXXX, keeps calling me also. She is very nice, and is trying to find out why these calls have been occurring, but I wish she would just contact the CFPB ( instead of contacting me directly ). 
I do not understand why I am being harassed when I do not even have an account with Citi Bank, and have never had an account with them.
Product: Credit reporting or other personal consumer reports

Demand for Immediate Action and Compensation for Inadequate Removal of Fraudulent Account NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT *Complaint Details : * This complaint is filed against EQUIFAX for their failure to remove a fraudulent account from my credit report, despite clear evidence and multiple disputes. This failure has resulted in unnecessary emotional discomfort and financial harm.
Product: Credit reporting or other personal consumer reports

It has been almost 2 months since I originally disputed information on my credit report. I have not received notice of investigation, notice of dispute, or any update to my credit report. Information is inaccurate and needs to be removed from my report. Representatives tell me they will get to my request but nothing happens. This isa direc violation of my consumer rights.
Product: Mortgage

My father passed away and my name is now on the Deed of the property. We have provided this information already to the mortgage company. The loan was previously being serviced by XXXX but in the spring of XXXX, it was transferred to Rightpath Servicing. Prior to the transfer, we were offered COVID relief to defer payments for 1 year. We were then advised by XXXX to make trial payments until the modification was final which we did. Once the account was transferred to XXXX, the modification was cancelled due to us not returning the modification documents. We made several calls to XXXX to let them know that we never received the modification documents and were advise that they would resend them. That never happened and we were advised that we would have to try for another modification. We sent the requested documents such as my paystub, an application for assistance, my social security number, and my employment contract. I was advised that my application was complete on XX/XX/XXXX and no further documents were needed. On Friday, XX/XX/XXXX, we were advised that the modification was denied because the previous trial payments were not made. The trial payments ended when we were advised that the previous modification was cancelled, and we would have to start the application again. Furthermore, we have been attempting to contact our single point of contact who is never available when we call in. We have requested callbacks but do not get a callback. I was told on Friday, XX/XX/XXXX that the squeaky wheel gets the grease so I would have to call daily in an attempt to reach my single point of contact. The account is now in Foreclosure status which started right before the latest loan modification application was in the underwriting process. Rightpath servicing is no longer accepting payments and are making it impossible to speak to our single point of contact and have been advised that only the single point of contact can let me know what my options are now.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

The list below was payment settled in full as of XX/XX/2022, I have disputed the balance with Equifax Credit Report. They have not update the information. I have attached the settlement letter. 
account : 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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX 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, credit repair services, or other personal consumer reports

I mailed in dispute letters to the three credit agencies Equifax, XXXX, and XXXX  to have them make the necessary corrections to my credit reports. I mailed the dispute letters on XX/XX/2019 and I have not received a response from them yet.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to follow up on a dispute I previously submitted regarding an inaccurate account on my credit report. The presence of this account continues to negatively impact my credit scores, and I am eager to have this matter resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

The credit bureaus had 30 days and didnt remove any inaccurate information from my credit report. They are in VIOLATION of this law because I am a victim of identity theft. Please delete these items immediately.
Product: Debt collection

XXXX  ,2013   XXXX  I have paid this debt off and the company is still reporting on my credit, I would like for this to be removed from my credit. When I made the payment the company said they would remove this from my credit.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$590.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.