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

Re : Formal Dispute of Fraudulent Accounts Under the Fair Credit Reporting Act ( FCRA ) Request for Removal of Fraudulent Accounts from My Credit Report Dear XXXX Dispute Department, I am writing to formally dispute several accounts on my XXXX credit report that I did not open, authorize, or recognize. These accounts have been opened fraudulently in my name, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
Upon reviewing my credit file, I identified the following accounts that I did not initiate : Account Name : XXXX XXXX Number : XXXX Opened : XX/XX/XXXX, XXXX : XXXX XXXX XXXX : {$2600.00} Account Name : XXXX XXXX XXXX Number : XXXX Opened : XX/XX/XXXX, XXXX : XXXX XXXX XXXX : {$1300.00} Account Name : XXXX XXXX XXXX Number : XXXX Opened : XX/XX/XXXX, XXXX : XXXX XXXX XXXX : {$590.00} I request that you conduct a thorough investigation into these accounts, as they are clearly the result of identity theft. According to the FCRA, specifically 15 U.S.C. 1681c-2, I have the right to request the removal of fraudulent accounts from my credit report. Additionally, under 15 U.S.C. 1681i, I am entitled to a prompt and fair investigation, and you are required to respond to my dispute within 30 days.
Product: Mortgage

I have sent the XXXX, correctly filled out remittance coupons, with correct postage, BENEFICIARY signature, correct amount of postage, and sent to XXXX XXXX in XXXX, oh, on XXXX XXXX XXXX. without the transfer being processed. And also asked him to send back my mortgage application with the correct parsay syntaxed structure XXXX different times. And also wanted to see the accounting on the books of the double entry book keeping they do ( the assets & liability ). Nothing has ever been sent back to me, and I've requested since XXXX.
Product: Consumer Loan

I contacted the CFPB about a year ago regarding the following case. I thought it was resolved but with recently moving from XXXX to XXXX I received a new monthly lease payment reflecting sales/use tax. I have received my new monthly statement for my XXXX XXXX lease payment. It reflects an increase of {$44.00}. Calling XXXX they explain to me that because I moved to XXXX from XXXX my tax rate changed from 6 % in XXXX to 9 % in XXXX My question to XXXX was how can I continue to pay a sales tax on a lease transacion made back XX/XX/XXXX. After going around and around with the rep on the phone I finally said, the truth to all this is that when I purchased ( leased ) the vehicle from XXXX Chrysler/XXXX in XXXX XXXX they did not properly disclose to me exactly what my monthly payment consisted of. In the negotiation I was led to believe that agreeing on a monthly payment of {$490.00} was all inclusive and that it was based on an agreed purchase price for the vehicle. Evidently what actually happened was that XXXX Chrysler/XXXX in XXXX XXXX simply deferred the sales/use tax but did not make me aware of this. As a result I am once again getting an increase in my monthly payment for this supposed sales/use tax that I was not told about when the original leasing took place.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Experian : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this to assist in the removal of items that have been disputed
Product: Credit card

When I tried to make a large purchase online with my Citibank credit card that had been opened for 2 months, I set off a fraud alert. I completely understood why I set off the alert so I was prepared to jump through some hoops but the process was unnecessarily frustrating and invasive. My complaint is about the fraud verification process. I spoke to XXXX representatives on XXXX separate occasions ( XXXX on XX/XX/03 at XXXX XXXX & XXXX? at XXXX XXXX ) to try to confirm this attempted purchase was not fraud. I provided them with the verbal password I set with Citibank, then somehow they were unable to verify me by text even though I am prompted for a verification code by SMS every time I log into Citibank online. They both could not explain to me why I could not verify by text using my cell phone and then kept asking me for more and more information. I gave them my employer and work number but I was calling Citibank after my workplace was closed so they could not call my workplace to verify me. Then they asked me for the last XXXX digits of my non-Citibank checking account, which was still not good enough so they asked for the full number of my credit card from another bank, which completely contradicts what Citibank claims in their FAQs ( they claim their representatives would never ask for sensitive information like this and that it is a scam if they do ). I provided them this information because I needed to make the purchase but I had to prepare myself for possible fraud on my other credit card. It was not completely communicated to me why this was necessary, especially because it leaves my financial information vulnerable to abuse. I was told they needed this info for bank to bank verification, which just turned out to be the Citibank representative calling my other bank 's customer service line to verify I was their customer via XXXX conference. The call to my other bank kept dropping, likely because the representatives thought the Citibank representative was a fraudster as Citibank 's fraud verification is basically trying to force my other bank to reveal their customer 's sensitive information over the phone just to follow Citibank 's anti-fraud protocols. In the end, I was on the phone for close to a hour and on hold for over XXXX minutes without any satisfactory resolution because the representative could not successfully conference in an agent from my bank. I offered to verify myself at the physical Citibank branch with physical ID and was told I could not and had to do verification over the phone. I was then told that I had to wait XXXX business days to receive a letter to even be able to verify my account. It did not help that both representatives did not seem to know what to say whenever I asked the reason for why they are asking for this information. They would play XXXX or pretend not to hear me or misunderstand me. It was a very frustrating experience.
Product: Credit card or prepaid card

I accrued an interest charge of {$32.00} for the late payment of my XX/XX/2021 Bill. This Fee was posted on my XXXX Bill. I paid the XXXX Bill in full by the due date of XXXX XXXX. 
A new interest charge of {$32.00} then appeared on my XX/XX/2021 XXXX. 

The explanation given by the credit card co was that since the interest accrued for the XXXX bill was not paid immediately, it accrued for another month. The fine print on the back of the bill allows this " right ''. I am not disputing this " right ''. Rather I am disputing that nowhere in the XXXX or XXXX bill does it state CLEARLY that the interest charge is to be paid immediately or it accrues for a second month. 

This is a deceptive practice that allows the credit card co to charge interest for 2 months which the consumer could easily avoid with advance notice of such a practice. The fine print is not a clearly stated policy. The front of the bill just states that he total amount is due by X date.
Product: Vehicle loan or lease

Been trying since last XXXX to have my lease payment reported back to credit bureaus. every time i call they tell me the issue has been fixed but its still not on my report was given an XXXX Control number which i shared with credit bureaus and they say there system doesnt have such a number. dont understand what issue is but this is effecting a correct score on my credit report and im not being given acknowledgement for my payment to better my credit score. cant even get a trade in quote to get another vehicle being my lease is almost up
Product: Credit reporting or other personal consumer reports

please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX XXXX XXXX account XXXX Also, the 30 day late payment that they report for XXXX XXXX XXXX In XX/XX/2020 is incorrect- I have never had any late payments on this account.
Product: Credit card

Our credit card balances ( ranging from {$1000.00} to {$3000.00} each month ) are paid in full each month. 

Two issues : First, starting in XX/XX/year> ( curiously, after new CFPB junk fee rules went into effect ) interest was charged for two months for a single month 's late payment. In a call with the financial institution ( Citibank Visa ), they stated they require two consecutive months of payment in full to stop charging interest. This is outrageous. 

Second issue : I compared payment posting dates between our two credit cards ( XXXX and XXXX ) which are always mailed on the same day. Through the first eight months of 2024, payments to both companies were posted on the same day, or within one day. Again, starting in XXXX after CFPB rules went into effect, Citibank posted our payments 4-7 days after XXXX ( though mailed on the same day ) causing the payments to XXXX to be deemed late. It appears that Citibank is sitting on the checks being mailed, posting them to our account after the due date, and then charging us interest. No explanation for this pattern was offered by the Citibank representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is a fraud account that I have never opened or used : Bank of America account XXXX Please investigate and delete it.
Product: Credit card

I disputed a fraudulent charge on my Citi Cards account posted on XX/XX/year> for an amount of {$2500.00}. 

Citi Cards failed to investigate the disputed charge and did not provide to me the investigation results as promised. I've contacted Citi Cards Dispute Department many times with no prevail. Citi Cards then charged back to my account and reported to the credit bureaus as delinquency, damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This ( XXXX XXXX XXXX. acct. # XXXX XXXX XXXX ) was and is a disputed bill, not a contract default, late payments or a write off. It took them months ( from XX/XX/XXXX to XX/XX/2020 ) to notify me of the ( lease return amount ) and when they did they sent me a bill ( attached ) with what is described on THEIR letter as a settlement offer. as you can see by the letter from XXXX and my canceled check for the amount THEY proposed to me. The letter stated they would consider it paid in full. 
Why are credit agencies helping them harass me and destroy my credit rating ( so far a full year ) what is going on? 
I am requesting a full investigation on how this is possible? Under what law they are allowed to do this? 
I am requesting restoring my credit standing by removing incorrect, false and harassing information by XXXX XXXX XXXX. 
I am willing take any and all legal means at my disposal to defend, restore and protect my ( prior ) excellent credit history. 
Request speedy resolution and corrections.
Product: Credit reporting

I submitted a dispute with Equifax on XX/XX/XXXX via the website with an estimated completion date of XX/XX/XXXX. I continued to monitor the request through out the month but there was no resolution posted within the 30 days they have to investigate. I sent a letter ( attached ) with a screen shot showing there were no results after the 30 days and advising them that by law they have to remove what I disputed. They received my letter advising them of FCRA guidelines and they opened a reinvestigation which was not what was requested. They then posted the completion date of XX/XX/XXXX but did not make this available until 45 days after the request. They back dated the completion date because they saw that no results were posted. This was pending up until they received the letter which was well after the 30 days. This needs to be investigated because I know that those things should be removed due to their lack of response. 

The screen shot of the progress was taken the day I mailed the letter ( XX/XX/2017 ) and they uploaded that information on XX/XX/XXXX. Equifax went and back dated to make it look like they had completed my results by XX/XX/XXXX which is absolutely false.
Product: Vehicle loan or lease

I have advised the CEO of this company twice about their practice of billing my account when I have cancelled the payment. Whenever, I cancel that payment and advise them that I will make the payment on another date they still BILL my checking account thereby causing my checking account to to overdrawn. I discussed the second billing with them on XX/XX/2018 to cancel a payment they billed my account on XX/XX/2018. again this is the second time that this has happened. Account # XXXX -their phone number is XXXX and their fax numbers are XXXX XXXX
Product: Checking or savings account

XXXX CFPB Cases XXXX, XXXX, XXXX This is the FOURTH complaint. CapitalOne did not resolve this issue again, and the answer is incorrect about what happened. To clarify it : The answer given by XXXX XXXX stated : " Our records confirm, on XXXX XXXX, XXXX, you contacted us to close your savings account ending in XXXX. We confirmed that the remaining funds from your savings account of {$2200.00} were mailed to the above address on XXXX XXXX, XXXX ''. That is NOT CORRECT and to prove it I got today from a forward USPS services the check with the WRONG amount of {$110.00} with the WRONG address as well from XXXX Attached. The total stated in their answer IS NOT CORRECT! The exact amount is a total of {$2300.00}. Details XXXX - {$110.00} XXXX - {$2200.00} I did call them and they confirmed by their support ; they have made a mistake sending this check the WRONG ( old ) address. This confirmation is registered in this " XXXX XXXX '' XXXX. Now the bank is requesting me to sign an AFFIDAVIT letter? I wo n't sign it. I have bills to pay, and I 'm not PAYING it because the mess caused by them, I just want ALL my money back ... just that. When I have requested to close my account, I was there in person with my Florida driver license in hands for address confirmation, and that was handled in person by their own personal. Please, I need to keep this complaint open, since this is not addressed yet ( it 's taking months ). CapitalOne is not solving it the way it should I need the remaining balance in a check to my correct address, or I look for a lawyer to get my rights since it 's now proven you guys did send it to the wrong address.
Product: Credit reporting or other personal consumer reports

for the last two years I have been trying to get things removed no one is really looking at my report I how can one credit reporting company saying my debt is positive but others saying the same debt is negative how can an account be reporting negative but no balance due and pay as agreed. I have another account I paid the company in order to close the account and I don't owe this business anything and it's still being reported as a bad debt no one has ever followed up I have a collection when I asked for information from the original creditor, they failed to send that to me, and the signature did not look like mine
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX points were removed from my credit score last year and have still not been reinstated. 

Equifax removed XXXX points from my credit score last year due to false reporting by XXXX regarding my Federal Student Aid Loans. 

I signed a XXXX XXXX note in XXXX for XXXX loans held by the Department of Education. 

The FSAL Promissory Note is only Valid for 10 years. Promissory Notes are not Valid for the life of the signer. 

Each State has a limitation on the years a Promissory Note is valid. The limit of validity is 3 - 15 years and the only State that is 15 years is Kentucky. I was living in VA when I signed the Promissory note and that limit is 6 years. 

The Promissory note was invalid after 3 days it was signed because there is no specified time on the Promissory Note to repay the debt. 

The FSAL Promissory Note was XXXX XXXX XXXX in XXXX of XXXX and invalid after that time. XXXX did not acquire the XXXX until XXXX of XXXX XXXX months passed the date the FSAL Promissory Note was invalid from ACS. 

The Department of Education in XXXX informed me the Promissory Note I signed in XXXX was scheduled to close in XXXX, XXXX did not close the Promissory Note and instead the Promissory Note was acquired by XXXX XXXX months after it was invalid. 

Monthly payments will be either XXXX or XXXX percent of discretionary income ( depending on when you received your first loans ), but never more than you would have paid under the XXXX Standard Repayment XXXX XXXX Payments are recalculated each year and are based on your updated income and family size. XXXX has my monthly payments scheduled for over XXXX for an invalid Promissory Note. 

The Promissory Note lists XXXX loans. XXXX added XXXX XXXX XXXX loans from XXXX, that were not included in the consolidation loan of XXXX because, they were cancelled in XXXX, never disbursed and are XXXX dollar value to my XXXX Account in XX/XX/XXXX. The XXXX loans, added to my XXXX account did not exist after the loans were cancelled in XXXX of XXXX and there is no way the two cancelled loans can be resurrected in XXXX, with an additional extra consolidated loan, with no promissory note, added to my XXXX account. XXXX has been reporting on my XXXX Account since XXXX there are 17 loans not 14 loans which is an outright lie! There is one invalid Promissory Note from XXXX which no judgement can be put against. The Department of Education, XXXX and the XXXX XXXX in XXXX are playing tag not it and pretending nothing is wrong. It is beginning to seem the entire Federal Student Aid Loan Program is illegal and unconstitutional. The Department of Education has a discretionary XXXX XXXX dollar budget. What black hole is all that tax payer money being funneled to? It's not the American broken down school system, it's not XXXX relief ; it's not towards freedom of speech and stopping book bans in schools, its not free University tuition, ect. Where is all that money being funneled to? 

Reinstate my XXXX points to my Credit Score now!
Product: Debt collection

This collection account is not mine my data was breached I demand that it be deleted immediately under the FCRA LAW 15 USC 1681
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft following the data breach involving Equifax. My personal information, which was compromised in this breach, has been fraudulently used without my knowledge or consent. On XX/XX/XXXX Equifax publicly reported a significant data breach between XX/XX/XXXX and XX/XX/XXXX that exposed consumer data, including names, addresses, phone numbers, email addresses, and potential other personal sensitive information. Based on this breach, I have reason to believe that my personal data was compromised and used to open unauthorized accounts in my name. These fraudulent accounts consist of personal loan accounts opened with XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a personal loan account opened with XXXX XXXX XXXX on XX/XX/XXXX, a personal loan account opened with XXXX XXXX on XX/XX/XXXX, personal loan accounts opened with XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a personal loan account opened with XXXX XXXX on XX/XX/XXXX, a personal credit card account opened with XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, a personal credit card account opened with XXXX XXXX XXXX XX/XX/XXXX, a personal credit card account opened with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, a personal credit card opened with XXXX  on XX/XX/XXXX a personal credit card opened with XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX as well as personal credit card accounts opened with XXXX XXXX  on XX/XX/XXXX and on XX/XX/XXXX, hard inquiries with XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, with XXXX XXXX XXXX on XX/XX/XXXX, with XXXX on XX/XX/XXXX, with XXXX XXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, with XXXXXXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX XX/XX/XXXX, with XXXX XXXX on XX/XX/XXXX, with XXXX XXXXXXXX on XX/XX/XXXX and on XX/XX/XXXX, and a hard inquiry with XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent collections, closed accounts, multiple fraudulent hard inquiries appearing on my consumer FICO credit report and even having to file bankruptcy. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaints ( XXXX XXXXXXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and ( XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.
Product: Credit reporting or other personal consumer reports

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 I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX. Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate. I requested for the documents showing steps taken by credit beaureu doing investigation. I never recieved it. I disputed with both creditors and credit bureau on multiple occasions to keep getting generic system replied. My FCRA has been violated on multiple occasions from transunion, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

The applicable provisions of the Fair and Accurate Credit Transactions Act of 2003 ( FACT Act ), Pub. L. 108159 117 Stat. 1952, shall be effective in accordance with the following schedule : ( 1 ) Provisions effective XX/XX/XXXX. 

I have already disputed these items with the bureaus, but they did not remove, nor prove validation. 

XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX account XXXX XXXX,
Product: Credit reporting or other personal consumer reports

The entire year of XXXX XXXXXXXX Ive provided letters of dispute through credit bureau and lender. Santander. In which Santander is reporting a car loan as charged off/written off as well as being a closed account while still trying to collect debt. I was not provided any documentation regarding the 1099 form showing that the car loan was in fact written off. I am going to sue as well as report to IRS if this inaccurate information being provided on my credit is not updated.