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

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Fecha : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX Incorrect Address ( es ) : XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX CENTERS. Date Updated : XX/XX/XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX, Apt XXXX XXXX XXXX TX XXXX Current Employer : XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 
Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Good morning, I hope you are doing well. I am writing this complaint because since XX/XX/XXXX, my XXXX XXXX  Citibank XXXX card, through which her pension is deposited, expired. This has caused many inconveniences, as she currently has a XXXX  condition ( advanced XXXX XXXX XXXX and XXXX ) that prevents her from traveling to the United States to reissue her XXXXt card or engage in a phone call with any bank agent. For this reason, since the card expired, I contacted Citibank and was informed that to request a new card, I needed to submit certain legal documents to verify the information. The requested documents were as follows : XXXX  certification justifying my XXXX XXXX XXXXXXXX condition. 
Court document granting power of attorney to me. 
Requested 'Action Required ' letter with the current bank information and the desired updates ( social security number, account details, card type, previous address, previous phone number, current address, current postal code, current phone number ). 
XXXXXXXX XXXX XXXXXXXX of XXXX XXXX XXXX XXXXXXXX. 
All the aforementioned documents were duly apostilled and notarized at the United States XXXXXXXX XXXX XXXXXXXX. Following Citibank 's instructions, these documents were sent on XX/XX/XXXXXXXX XXXX XXXX  certified mail. The delivery of these documents was confirmed to me on XX/XX/XXXX, at XXXX a.m. at the address provided in XXXX XXXXXXXX XXXX However, as of today, XX/XX/XXXX, I have contacted Citibank on several occasions and have not received any response or update regarding the request to update the information, which I understand should have been received on XX/XX/XXXX. 

The response I have received after several calls has been to resend all the legal documents or to travel to the United States, neither of which are viable options. Firstly, because the legal documents that were sent were not copies, and secondly, because these are time-consuming and costly procedures. Additionally, I currently do not have a visa to enter the United States. However, I have attempted to apply for an emergency visa through different channels, but it has not been possible. Currently, the appointment at the embassy is scheduled for XXXX. Therefore, I request that Citibank provide me with a solution or response to the aforementioned case, as despite meticulously following all the processes indicated, I have not received any favorable response, and these resources are needed for the maintenance of my mother due to her XXXX condition.
Product: Mortgage

I started the process to buy a house in XX/XX/XXXX and signed a purchase contract in XX/XX/XXXX to buy my house where I live for {$750000.00}. The process I did it through the buyer agent XXXX XXXX who was my financial advisor, insurance agent and business coach. The purchase ended signing documents on XX/XX/XXXX. I never saw, signed or received copy any loan document before that day XX/XX/XXXX. I only got copies of the signed documents and other documents related to purchase until couple of weeks ago when I contacted the title company and I got acccess to portal to download all documents. In those signed documents dated XX/XX/XXXX I saw there was a second contract dated XX/XX/XXXX for {$820000.00}. I never cancelled the first contract dated XX/XX/XXXX or either changed the purchase price. Since I was trusting XXXX XXXX she was doing the purchase process correctly she handled all documents. It was until few weeks ago that I saw the final documents that I find out that the loan officer was same listing agent XXXX XXXX XXXX real estate agent license XXXX XXXXXXXX and Loan XXXX NMLS license # XXXX working for company Bridgelock Capital DBA Peak Finance Company. I never talked in person, telephone or email directly with him. He only speaks XXXX, and my main language is XXXX. I never received or got explanation Loan estimate, closing cost and never received appraisal either for which I gave my credit card information to pay for it. I was offered to buy for {$750000.00} and documents say i bought for {$850000.00}. I was told different things : initially seller will finance property directly, that property received multiple offers and after researching I found out property was listed 4 times and last listing only received 1 offer. In second purchase contract when I downloaded from title company portal, I found out also that I was changed from XXXX XXXX as buyer agent to XXXX XXXX who is related but I only saw the day I received the keys.
Product: Debt collection

Attempted to contact amazon synchrony bank in reference to an inaccurate amount reported on my credit report. States that XXXX time was written off but states that XXXX $ is past due. Spoke with a representative to resolve the past due amount just to get it taken off my credit report and stated the only amount that I could pay was XXXX $ but it had already been written off. Attempted to resolve and dispute this account multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously reported to each of my creditors and to each of the credit reporting agencies that I have been the victim of identity theft and that certain creditors failed to conduct a reasonable investigation. Please see the attached documents authenticating my name change to XXXX XXXX XXXX. I have requested that each of the credit reporting agencies and creditors update all my financial records to reflect this change. 

Each are to deny any request for credit or information under the name XXXX XXXX XXXX and/or any derivative. I request for security reasons for XXXX XXXX XXXX and/or any derivative be removed from all credit reports. 

All notifications to include the Socail Security Administration, IRS, State Revenue and Tax Department, Law Enforcement and creditor notifications are being notified of this change at the time of this writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO DISPUTE WITH CREDIT REPORTING AGNECIES FOR OVER SIX MONTHS NOW I GET NOTHING BUT BOGUS REPLIES EVEN THROUGH HERE STATING THAT THEY HAVENT GOTTEN ANY DISPUTES THATS AN ABSOLUTE LIE BECAUSE I GET MAIL STATING THE ACCOUNT WAS VERIED ACCURATE HOW IS THAT. I HAVE BEEN TREATED UNFAIR AND I WILL NOT TOLERATE THIS BEHAVIOR ANY LONGER SO THERE YOU GO BELOW ATTACHED MY BANK STATEMENTS THAT PROVE THAT I HAVE BEING LIED TO AND HAVE HAD MY RIGHTS VIOLATED MONTLY BY YALL. I HAVE NOT ONLY NOT BEING LATE BUT ALSO PAID AHEAD FOR MULTIPLE TIMES AND NOT GIVEN ANY CREDIT WHAT ELSE DO YOU NEED. AND PLEASE DONT JUST REPLY TO SUBMIT A DISPUTE I HAVE DONE THAT CLEARLY FOR MONTHS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I defaulted on a debt with XXXX XXXX way over a decade ago. After 7 years when this remained on my reports, I started disputing the report with the credit agencies. Instead of dropping from my report it keeps being sold and reaged. Please help!
Product: Credit card or prepaid card

I had applied for a new credit card with the bank, and got approved, and a physical card was sent to my home address ; however, I had to go abroad, and so I could not access the physical card. I then got the bank to issue me a replacement card to be sent to a XXXX office in the city I am in. I was assured that I would be sent notification when this would happen, but I have not received any notification, and when I called to ask about the tracking number ( i.e., so that I could contact XXXX ), I was given the royal run-around. The representatives that I have spoken to are all woefully trained to deal with my case, and I have no idea what's going on. I have tried contacting the bank 's executives, but all that does is get some incompetent customer-service rep to call me, and I still get no resolution. 

I was also promised that I could set up a virtual card that would be used with a phone, but when I tried to do so, I got an error, and the " senior technical assistant '' told me that the bank would not do a work-around while its error gets fixed. 

Both of these situations are counter to the marketing that the bank says that it can do for its customers.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding significant inaccuracies in my credit reports from the major credit bureaus. Despite my efforts to resolve these issues directly with the credit bureaus, the inaccuracies persist, adversely affecting my creditworthiness. 

As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete information. The FCRA also stipulates that disputed information must be investigated and corrected within 30 days. The credit bureaus have not adhered to these legal requirements, failing to correct the erroneous information even after being provided with comprehensive evidence. 

Enclosed with this complaint are the following documents : Copy of My Credit Report : Showing the current inaccurate information. 
Highlighted Credit Report : Clearly marking the disputed items. 
Supporting Documents : Including a copy of my ID, Social Security Number ( SSN ), and proof of address that confirm my identity and substantiate my claims. 

These errors have resulted in unjust denials of credit and unfavorable loan terms, causing significant inconvenience and financial distress. A fair resolution to this issue would be to delete these inaccuracies from my credit report. I request the CFPB 's intervention to ensure the credit bureaus comply with federal regulations and correct the inaccuracies on my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this complaint and inform me of the next steps in your investigation. 

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

Hi, I attempted to apply for insurance with XXXX and they mentioned that I had a consumer claim, so I went to investigate and it was a claim under Lexis Nexis company. I asked for my information so I can try to dispute it if its wrong. After searching the information, I found out that my dad signed my name as policy holder for insurance with XXXX XXXX, along with himself, my mom, and my younger sister XXXX. My sister had a car accident in the past, and under Lexis Nexis report, the claim for some reason, is under my name instead of her, so I went ahead and tried to dispute it. 

I sent them an email with screenshots of the claim info and the insurance info and stating that the claim is under my name but it is my sister and her car that are registered under the accident so I would like to dispute. Email was sent around XX/XX/2023. I got an auto reply back mentioning their site and that they have started the record and so on. I then noticed that it asked for other information like my driver license and car information so I went ahead and sent my info again on XX/XX/2023. 

Till today, XX/XX/2023, they still have not replied to me, all I get are auto replies from them when I submit anything and I urgently need them to reply and help me dispute it so I can move ahead and get my car insurance without delays or cancellations due to this claim.
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 XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number 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 mailed my XXXX payment XX/XX/XXXX that was due by XX/XX/XXXX. After XX/XX/XXXX they called and said they did not get my payment. I explained I mailed it USPS as I do every month on XX/XX/XXXX. They finally cashed my check on XX/XX/XXXX. They are refusing to remove {$39.00} late fees. I can not control the XXXX or the card company if they are not checking their XXXX XXXX timely. I pay all my bills by check and timely.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$450.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I was alerted that there was a hard inquiry on my credit report from XXXX XXXX Bank. I did not make this action since I was at work ; I also do not plan to sign up for a new credit card any time soon. I called XXXX Bank and the representative said that I would need to contact the Credit Bureau to resolve my issue. I called Equifax and the representative there told me to file a report on reportfraud.ftc.gov. I was also planning to email a cover letter and some of my personal information to Equifax XXXX XXXX explaining my problem.
Product: Debt collection

I did NOT take out a payday loan from 2019. This company repeatedly calls me, has ALL of my personal information and is absolutely rude to me and harasses me on the phone. The man I've spoken to twice now has been condescending and mean to me and verbally attacks me. This is not even a loan I took out. They call MULTIPLE times a week. And I've repeatedly told them I did not take out a payday loan and someone must have used my information. They continue to harass me.
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for the reported transaction.
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 15 days.

See the documents attached.
Product: Debt collection

CRA violation I have no knowledge of the fraudulent collections account on my Equifax credit report. FTC ID Theft Report # XXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint again XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I disputed incorrect, inaccurate, and fraudulent information on my consumer credit reports with Experian, XXXX, and XXXX several times in 2023. I sent written disputes multiple times in 2023 in the mail regarding the fraudulent account with XXXX XXXX on my personal credit reports. I received responses from all three credit reporting agencies showing the item was verified and remains. I requested as per my rights under Federal Law with the Fair Credit Reporting Act ( FCRA ) proof/verification of this item in writing. All disputes were mailed to the credit reporting agencies in writing multiple times in 2023. I requested proof of the investigation from the credit reporting agencies multiples times in writing in 2023, which I am entitled to have under the FCRA upon request. I also requested in writing multiple times, proof supporting the credit reporting agencies decision to leave the item on my report as " Verified ''. I requested proof of verification that this item was authorized in writing. I also requested proof in writing showing original signatures of the item XXXX XXXX Loan was authorized by me. The credit reporting agencies have continued to ignore my requests in writing, they only respond with " we verified this items belongs to you ''. There is no supporting documentation offered that verified any proof of this item being valid, no supporting documentation in writing showing original signatures authorizing this item. Since the credit reporting agencies can not provide proof of their investigation or proof of the item belonging to me, I requested multiple times the item be removed from my credit report and this would be in compliance with the FCRA. I have not received any written documentation proof and the item remains on all three personal credit reports on Experian, XXXX, and XXXX after having submitted multiple written dispute requests in writing to all three national credit reporting agencies.