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

I received a notice via the CFPB from your firm stating that my complaint requesting the erroneous, inaccurate, and incomplete items on my report to be deleted was not me. I have a legitimate complaint that you are knowingly reporting false, inaccurate incomplete, and unverifiable information on my credit report. I have brought it to your attention now 3 time. I expect this matter to get resolved immediately. 

The items you are reporting are completely inaccurate and incomplete and unverifiable ; and this is a very serious error in reporting on your part. 

Please delete the misleading information ASAP, and provide a corrected copy of my credit profile to all creditors who have received a copy with in the last 6 months or the last 2 years for employment purposes. 

This false information reflecting on my credit profile is causing me mental, physical and emotional stress and is effecting my health. I expect this matter to be resolved immediately. If it is not I will be forced to seek further assistance from the FTC, XXXX, and my states Attorney Generals Office. 

You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

The date of my first letter complaint wasXX/XX/2021. To date you have failed to follow the rules set out by the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, Best Account XXXX XXXX XXXX XXXX, purchased a TV over XXXX and financed it with Best Buy. I am the only account holder. On XXXX Best Buy asked if I wanted to add an authorized user and I said XXXX XXXX. Exh. A. She is a roommate. I did not ask her about this and did not have her permission. On XXXX they made a hard pull on her credit file. Exh. B. Again, she had no knowledge of this inquiry nor my permission and considers this fraudulent. Had I been asked I would never ever have authorized this. I contacted XXXX and complained. Exh. C. Best Buy removed her as an authorized user on XXXX. I contacted Best Buy about the remaining issue, the inquiry on her credit record, and they have not provided any confirmation they are even trying to do this. Their case # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My purse was stolen a few years back and I have been battling to get fraudulent accounts removed from my consumer reports. I filed a police report, I filed with the FTC and I contacted the companies involved and sent info to them but these accounts are still showing on my reports. I need them blocked!!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX 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 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 that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX 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

Judgement showing on my credit report was never recorded and was paid to the original credit before filed. I have disputed 3 times through bureaus and they keep verifying it but the record is wrong. The judgement was never filed and should be completely removed from my credit report.
Product: Checking or savings account

I have previously had the experience of Citibank charging me fees even when I use Citibank ATMs, miscategorizing these as 'Fees for Non-Citibank ATM use '. I have previously reported these to Citibank and had them corrected, and now on XX/XX/XXXX I was again charged a 'Fee for Non-Citibank ATM use ', even though Citibank itself identifies this transaction as 'Cash Withdrawal XX/XX/XXXX XXXX # XXXX Citibank ATM XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I want the CFPB and other Citibank customers to be aware that this is a known problem that has been reported to Citibank and yet has not been fixed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of all accounts currently reported in my credit file. I have reviewed my credit report and noticed that it contains several entries that I believe should be removed for various reasons, including inaccuracies or outdated information. 

I kindly request that you investigate my credit file and take the necessary steps to ensure that all accounts reported are removed. If there are specific requirements or documents needed to process this request, please let me know, and I will provide them promptly. 

I would greatly appreciate your attention to this matter and a timely resolution. Please confirm the actions taken and provide me with an updated credit report once the requested changes have been made.
Product: Debt collection

Dear Experian, I am writing to address unauthorized transactions appearing on my consumer report, which I did not authorize or instruct to be included. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. Below are the specific accounts in question : Account : XXXX XXXX XXXX Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. Kindly remove it from my credit report. 

Account : XXXX XXXX XXXX Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. Kindly remove it from my credit report. 

Account : XXXX  XXXX Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. Kindly remove it from my credit report. 

It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that Experian making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report. 

I urge you to promptly update my utilization to XXXX XXXX or below within 10 calendar days or expunge all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several inaccurate or/and unrecognizable accounts from my report to the credit bureaus but they are not neither answering nor taking action, i give them 30 days and then try to reach them out again for not answering but they don't do anything anyways.
Product: Debt collection

15USC 1692 ( 2 ) a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

2 ). Service Member Relief ACT SERVICEMEMBERS CIVIL RELIEF ACT ( SCRA ) 50 U.S.C. XXXX XXXX
Product: Debt collection

I do not owe this debt. This debt belongs to my father. He was born in XXXX. I was born in XXXX. We basically have the same name except I am the XXXX ( or XXXX ). Please remove this debt from my credit report and delete it from all credit reporting bureaus. I did not originate this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I am looking to update date my credit report the proper way and correct a few errors I have found. First up I do not live at nor have I ever lived at the following addresses : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX ( NO SUCH ADDRESS ), XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX.
Product: Credit reporting or other personal consumer reports

My moving truck was stolen My identity and name have been used fraudulently Police reports court documents as I am seeking prosecution- holding back for me a mortgage loan rapid rescore - XXXX removed XXXX removed - XXXX  has not It is making me not be able to get a first time homebuyer down payment assistance- XXXX points- police reports court documents of prosecuting individuals and listed in court documents what they did Not fair I need this removed now- It is not my acct Credit acceptance
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this ITEMS. 
XXXX OF XXXX XXXX BALANCED {$140.00} XXXX OF XXXX XXXX BALANCED {$330.00} XXXX XXXX BALANCED {$0.00} XXXX FIN XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Citi Bank was advertising an account opening bonus of {$700.00} if a minimum balance of {$50000.00} was maintained for 60 days in a newly opened account. 

I have maintained the balance for 60 days and waited for extra 30 days to received the bonus. However, I have received an email notification stating that I am not qualified for the bonus since a tax document XXXX has not been submitted. 

This is not correct. I have submitted the form when I opened an account at their branch office. Also, I submitted it in early XXXX again at their branch. In addition, I submitted twice through email to their tax department. Also, their customer representative has confirmed on XXXX XXXX that my accounts are XXXX certified and so I do not need any additional procedure. 

It appears to me that Citi is just trying to find an excuse not to pay the bonus which they have adviertised.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Mortgage

On XX/XX/XXXX I received a declaration for my new Homeowners Insurance Policy through XXXX XXXX. Using information found online, XXXX XXXX sent the declaration to Freedom Mortgage. Freedom Mortgage said this was the wrong location for the Mortgagee Clause. 

The address that XXXX XXXX sent the Mortgagee Clause/Declaration too was indeed a Freedom Mortgage office. However Freedom Mortgage did not get the document routed to the correct resources. Address Details below : MORTGAGEE FREEDOM MORTGAGE CORPORATION XXXX XXXX XXXX XXXX XXXX, TX XXXX Freedom Mortgage made several attempts to get in contact w me as I did not have insurance on my house. We made contact on XX/XX/XXXX. At that time I sent the declaration directly to Freedom Mortgage. Freedom Mortgage mailed payment to XXXX XXXX on XX/XX/XXXX. Payment was not received on time as it needed to be received by XX/XX/XXXX to maintain coverage. 

XXXX XXXX received the payment on XX/XX/XXXX. At this time they cashed the check and refunded the money back to Freedom Mortgage, at the address listed above. 

Freedom Mortgage cashed the check in XX/XX/XXXX. They are currently working to pull reports that will confirm if the money was put back into my escrow account. 

Despite Freedom Mortgage getting a refund on their payment for Homeowner Insurance, and despite knowing that my house was uninsured, Freedom Mortgage had my house and account listed as insured. They did not realize that my house had been uninsured from XX/XX/XXXX, until XX/XX/XXXX. They made no further efforts to reach out to me regarding the situation. 

I saw that the appropriate amount was coming out of Escrow every month, and as XXXX XXXX had not reached out with any additional information, neither myself or Freedom Mortgage knew that I was uninsured. 

I view this as extreme negligence. I need to confirm that the financials get sorted appropriately. And I have concerns about this lender being in possession of my house and escrow account. In my recent phone calls with them I have received conflicting information and neither Freedom nor XXXX XXXX is consistent in their ability to provide clarity or resolution to the situation
Product: Credit reporting or other personal consumer reports

My credit report is still reporting information that being fraudulently open, I send all the information a still in my credit report. Account name : 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

FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the accounts listed contain inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX I've sent the dispute regarding those accounts used fraudulently. I am a victim of Identity Theft and it causes me a lot of stress. I need help to resolve this problem and achieve my financial goals. It's almost 60 days now but there's no response yet.
Product: Checking or savings account

My Bank of America debit card was stolen along with my XXXX XXXX on the XX/XX/18 XXXX dollars was stolen from my checking and savings accounts.The person who stole my card and phone made purchases using my debit card and also hacking on to my online banking on my phone making XXXX dollars in transactions worth they also make XXXX dollars transactions on my debit card also. 
As soon as my card and phone were stole I canceled my debit card and filed a police report in these crime.I rang my bank and they investigated what accoured I sent them all the information they need police report pictures of the suspect giving to me by police phone records also records of all transactions used by suspect. 
The Bank of America give me back XXXX dollars of my hard working money. 
I want the rest of my money XXXXdollars. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nj XXXX
Product: Credit card or prepaid card

I got my way to go cars in the mail I keep calling them but its asking for a pin I never made a pin for the car but it wont work so I cant talk to anyone but a robot
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Payment Status Dear Experian Team, I am writing to bring to your attention an error on my credit report that requires immediate correction. According to the information provided, my payment status was supposed to be updated to " on time/never late. '' However, upon reviewing my credit report, I noticed that this update has not been reflected. I can see that Experian has updated the account with a notation " Updated '' as well as, Balanced updated " XX/XX/year>24 ''. However the 30 day late notice has not been changed. This account was paid on time and was never late and could you please update the late payment to Paid/Never Late. Just for extra reference it may display as paid on the XXXX however, it was paid on the XXXX ( Paid/Never Late ) Please find the details below for reference : Account Name : XXXX I kindly request that you update the payment status for the above-mentioned account to " on time/never late '' as agreed upon. 

Please confirm receipt of this letter and provide a timeline for when I can expect the correction to be made. 

Thank you for your prompt attention to this matter. I look forward to your response and the timely correction of my credit report. 

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

I have tried 3 times with credit reporting agencies and the debt collector to get this removed, I moved out of my apartment in XX/XX/2020. The manager there stated I would lose my deposit, which I agreed to. The pandemic started, the office was closed, I moved into my new place. They even told my new place that I was an excellent tenant for 5 years, paid my rent always on time etc. Then they reported me to a collection agency XXXX XXXX XXXX out of XXXX. They refused to remove the collection. XXXX agreed I did not owe and removed this from my credit. Experian and XXXX refused to remove. Please help
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because all three credit bureaus did not investigate the accounts I recently disputed I recently sent in letters asking them to do a thorough investigation into the inaccuracies on my report and nothing was resolved.
Product: Credit reporting or other personal consumer reports

I am reaching out pertaining to the following information provided below. The items listed on this document need to be removed due to inaccuracy. I am a victim of Identity theft and the accounts listed below are unrecognizable charges. I reported the theft of my identity to The Federal Trade Commission, and Ive obtained enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am urgently requesting the removal of the items listed on my credit report. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. On or about XXXX XXXX, XXXX, Bank of America changed my mortgage loan from a principal to a principal and interest loan. Previous to that, for a period of approximately 10 years, BofA had automatic right withdrawals to my account. 

When the nature of the loan changed, BofA stopped the withdrawals from my bank account. BofA claimed it sent me mail notices, but conceded it was sent to the wrong address. I had never, ever been late on a mortgage payment with them, or any other bank. 

By the time I found out about the mistake, around XXXX XXXX, BofA had filed a complaint and badly hurt my credit. 

I hired an attorney to handle the matter, who sent them letters on XXXX XXXX and XXXX XXXX. BofA never even bothered to respond to either inquiry. 

I would like BofA to remedy this wrong and withdraw their falsely alleged complaint to the Credit Bureau.