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

This is probably the XXXX time I have written ya 'll about these accounts. I did an investigation on my credit report and still found several items on there to be inaccurate. Everytime ya 'll have corrected these accounts and they are still wrong.

Under 15 U.S. Code 1681e ( b ). Accuracy of Report - Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 i ( 5 ) Treatment of inaccurate or unverifiable information - ( A ) In general if, after any investigation under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, IMMEDIATELY!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

According to FCRA 605B, we should remove any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts inaccurately reflect the reporting, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX, and Trans Union by phone call to address the issue about how they have violated my rights according to the FCRA. 

15 U.S Code 6801-Protection of nonpublic personal information 15 U.S Code 6802-Obligations with respect to disclosures of personal information 15 U.S Code 1681 Also I have not given none of the Consumer reporting agencies written or verbal consent and was never notified that my private information would be reported or used in any way.
Product: Credit reporting or other personal consumer reports

Experian credit reporting agency failed to do a proper investigation after I formed them of XXXX harassment from a lending agency XXXX XXXX located XXXX XXXX XXXX, XXXX, SC XXXX I reported to the CFPB of this company for what I see Consumer, financial protection bureau yall dont take complaints seriously when it comes to these white organizations and their discriminatory practices I was discriminated against consumer, financial protection bureau continue on, allowing this XXXX XXXX to continue on operating business. As usual numerous complaints to Experian. They failed to remove this. XXXX XXXX XXXX from my credit report. it doesnt matter to Consumer, financial protection, bureau or Experian because XXXX XXXX I see that yall figure XXXX supposed to have bad credit while yall forcing me to do business with a company that show XXXX harassment towards me when applying for a loan. XXXX points have been removed from my credit score because this XXXX XXXX  ignorant XXXX  people at XXXXXXXX XXXX  along with Experian, credit reporting agency, and the Consumer, financial bureau im feeling totally disrespected by all of you I want all of you to feel bad for. What cfpb along with that XXXX, white  company, XXXX XXXX, XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXX its not a joke that XXXX harassment happened to me. I dont care if I got to make 1000 complaints. Every time they notify the credit bureau Experian forcing me to deal with some XXXX  people who care nothing about XXXX people Experian along with XXXXXXXX XXXX. They started this they shouldnt have never told me to come down there and disrespected me Consumer, financial protection bureau you took no action. now the way to get back at me. XXXXXXXX XXXX now using the credit bureau owe them nothing they dont have sense enough to apologize after that XXXX act they committed against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 credit bureaus are reporting a charged off XXXX account ... ..i have challenged the 100 % accurate reporting of this account as required by law with all 3 credit bureaus as well as XXXX and each time they say that they verified the information being reported is 100 % accurate... i have challenged this about 10 times ... im looking at the inaccurate information on my credit report and i am going to point it out below and will attach a copy for your review... ..these companies are violating my consumer rights .. date of last payment XXXX XX/XX/XXXX experian- XX/XX/XXXX XXXX XX/XX/XXXX date of last payment XXXX XXXXXX/XX/XXXX experian- XX/XX/XXXX XXXX XX/XX/XXXX -- -- -on the 2 year history they are also reporting XX/XX/XXXX high credit XXXX- {$2000.00} experianXXXX {$0.00} XXXX {$0.00} comments XXXX Charged off as bad debt Dispute resolved ; customer disagrees experian- Purchased by a another lender. Unpaid balance reported as a loss by credit grantor. XXXXCONSUMER STATEMENTXXXX XXXX ITEM DISPUTED BY CONSUMER XXXX- Consumer disputes after resolution Account transferred or sold
Product: Vehicle loan or lease

From XXXX XXXX XX/XX/2022, my interest rate was 10 % and with the credit at the time of the purchase, it did not make sense. 2022-current, it was lowered to 9.8 %, I asked how to go about it being lowered or refinanced, however they stated they could not -- which runs the risk of the loan age starting over if I go thru with another bank. Lastly, my current statement says I have a late fee charged for a payment for XXXX that's not due yet.
Product: Credit card or prepaid card

They sent me a promotion offering XXXX dollars for the first XXXX spent during the first 3 months. XXXX XXXX called them up and the person I spoke with told me the card they issued me was a different card and I would not be getting the XXXX dollars on the promotion they mailed to me
Product: Credit card or prepaid card

I received an email from Citi Card stating my account had been closed and to login to see the secure message. The message read that the account had a {$0.00} balance and is " inactive ''. I received NO correspondence before this closure. I did NOT request or give Citi Card permission/consent to close the credit card. The credit card was my first credit card and my oldest tradeline with the credit reporting agencies. Therefore, the closure of this credit card will have a negative impact on my credit score. I called Citi Card 's customer service to ask why the credit card was closed without my consent or  knowledge. The customer service rep stated it was a " policy '' to close credit cards after inactivity. I asked for that " policy '' in writing on their Cardmember Agreement. It is NOT written in their agreement. I was transferred to a service manager, XXXX in Kentucky ( she was very sweet and kind ), and she stated that it is a " general policy '' that Citi Card closes inactive accounts without consent or knowledge. She referred to this line in their Cardmember Agreement " We may close or suspend your account if any of the events listed above occur, or for any reason, or for no reason. We may do this at any time, without notifying you, as allowed by law ''. I asked for the law and written policy that this line refers to, and she could not provide it. However, she could reopen the account, but she would have to pull my credit report and could not guarantee the reopened account would revert back to original opening date and history. Again, this would damage my credit report. I feel that Citi Card saw this COVID-19 pandemic as a threat to their credit card portfolio/bottom line and closed " inactive '' accounts to keep customers from using them in their hardships.
Product: Credit reporting

I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$5200.00}. I disputed the account with XXXX XXXX XXXX and all XXXX credit bureaus. Neither the company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both the company and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all XXXX credit bureaus to remove the incorrect information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone opened a XXXX credit card in my name without my permission and has ran up a bill amounting to XXXX dollars. I have never applied for, nor opened a XXXX credit card. Please block this fraudulent account pursuant to section 1681 of the Fair Credit Reporting Act.
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 : account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF DEFENSE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States U 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 ti believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX account should be removed for fraud company served me. I responded they never proceeded with court. Sent all court information to Experian they did not remove or delete the negative information. I have reached out since 2018 on this matter. If I try to request again they say I already have disputed and am unable to dispute again. I also never received any information that they investigated this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute letters to XXXX, Equifax XXXX XXXX for XXXX XXXX XXXX XXXX I did not open. Submitted XXXX round letters XX/XX/2022 and XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection bureau ( CFPB ) has recently filled a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed otems despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

I have requested a complete analysis of how my payments into the escrow account have been applied since Roundpoint Mortgage acquired my loan. They will not provide me the info requested. They have repeatedly provided me since XXXX of 2023 to be inaccurate information and not clear communication. The company will not provide this information. They have the ability but refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove a Fraud Alert from my credit account..Ive called multiple times and keep getting told to verify information. Once the the information is given they refuse to remove the fraud alert ... This is completely unacceptable and is XXXX XXXX on the part of Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : XXXX ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX, XXXX & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

these addresses is not my address please removed from my credit report XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with XX/XX/XXXX on my behalf, with no response from XX/XX/XXXX. also i disputed with XX/XX/XXXX 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/year> RE : You Violated the United States Code Law ( TILA 15U.S. Code 1666 ( b ) billing error ) so check this out recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didntnotify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you cant apply that information then it is false allegations and you are in violation. I demand the items below all be updated to paid as agreed on my consumer report. 
XXXX XXXX XXXX Account # XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 
Sincerely, XXXX XXXX Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company claims there was a late payment made on or about XX/XX/2017. They still have not provided me with proof that I made this payment late. I have recurring payments to this company every month since the first day of the loan and have not missed any payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX didn't report my phone number to the Innovis.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle a fraudulent, incorrect, and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Received advertising for credit card on XXXX, emailed Ally telling them they were sending advertisement to XXXX XXXX at my address. I told them to remove my address from their mailing list/records. Never heard back. 
On XXXX another mailing ; on XXXX another mailing, contacted XXXX  case # XXXX ; XXXX another mailing, contacted XXXX ; another mailing XXXX, contacted ConsumerFinance.gov
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
USDOE/XXXX  XXXX Balance : {$0.00} DP OF EDUC XXXX Balance : {$8800.00} DP OF EDUC XXXX Balance : {$9300.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$1100.00} DP OF EDUC XXXX Balance : {$5900.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$8500.00} DP OF EDUC XXXX Balance : {$4900.00} DP OF EDUC XXXX Balance : {$7600.00} DP OF XXXX XXXX Balance : {$2300.00} DP OF EDUC XXXX Balance : {$7200.00} DP OF EDUC XXXX Balance : {$3800.00} DP OF EDUC XXXX Balance : {$8600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Apply XXXX XXXX XXXX in XXXX of Minnesota XXXX XXXX Ct, XXXX, MN XXXX phone number XXXX Date XX/XX/2023 I went in with a pre approval letter from XXXX XXXX told sales rep I only wish to work with XXXX XXXX approval I have and do not wish to give consent to work with any other lenders, sales rep agreed, took my information moments later ran XXXX hard inquires without my permission sales rep name is XXXX XXXX, Lied to my face this is against the law I did not agree to this and wish to continue forth with a law suite as my score dropped points to purse damages against my name. at this time I am now not able to purse any car as I will not get the APR from my credit as this company took that chance from me.

n accordance with the Fair Credit Reporting act the inquires listed were not authorized by me and, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions, also must prove validation of agreement listed by party.