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

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX  XXXXXX*********** Balance Owed : {$12000.00} CITI XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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

XXXX 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 XXXX, 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 XXXX has neither corrected nor removed disputed items despite the evidence provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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: Mortgage

I received a line of credit from Bank of America in XXXX they originally solicited me for the loan due to increased equity. Without inspecting, they appraised my home at {$310000.00}. Would have been {$180000.00} only months before. I took the line of credit, intending to finish my remodel, pay off existing debt, and have a financial cushion. Planned to sell the home in XXXX when my son graduated. Real estate bubble burst, I was stuck. Continued to pay interest only, never missed a payment. In XXXX XXXX, contacted by bank, reminded that line of credit becomes conventional loan in XXXX. I said I needed to have help, did not want loan to be more than actual value of house. Directed to a mortgage relief department at bank. Absolutely terrible customer service, numerous times told that they had not received documents that I had sent. Knew that was not correct, because then they would give me info that I had supplied. Finally got a good case manager in XXXX XXXX, learned that the program I was referred to did not address principal reduction, even though that is what I requested. Also learned about the Bank of America Department of Justice settlement, something bank was doing while I was going through wrong process. I have since learned that this pattern of dragging feet and claiming missed payments has been documented at Bank of America. I do not know why I was not included in DOJ settlement. I did receive a notice from Bank of America in XXXX of XXXX congratulating me that the value of my house had increased. The value they gave me was inflated and I am guessing they used that to not include me in the settlement. Even with their inflated appraisal, combined mortgages were greater than appraised value. Key issues : told bank of America in XXXX of XXXX that I needed principal reduction. Was not informed of DOJ settlement, and instead sent into a process that would not help. In that process, experienced Bank of America 's documented malfeasance toward addressing my need. Not until XXXX of XXXX did I get a hint about DOJ settlement, still had to do all research myself. I believe that I should have been included in the settlement. This loan began as line of credit, becomes conventional loan in XXXX XXXX. Payment increases by {$1000.00}. My current income is {$3000.00} per month. Additional info : my daughter and her family now live in the house as I am working out of state. She helps with costs, but no rental agreement. My intention is to return to house in retirement.
Product: Vehicle loan or lease

I am writing in today in regards to my account with Lincoln Auto Finance Account # XXXX an inaccurate late pay is reporting in XX/XX/2019. 
I have tried to get a copy of my original contract with no avail. I am therefore requesting a copy of the original contract along with full payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a student Loan on Forbearance and they have reported to the three credit  bureaus as 90 days late. They did tell me over phone that the 90 days late will be removed since it has been on forbearance since 2018 but nothing was done till date.
Product: Credit card or prepaid card

I believe I opened this account in XXXX of XXXX. I paid my payments, as I pay the rest of my bills via XXXX bank online. Everything was fine until a late fee in XX/XX/XXXX. I called and was treated poorly by foreign speaking customer service agents until I finally got a supervisor. He explained that theyd moved billing addresses and werent set up to take electronic payments or something like that. He removed the late fee and advised I pay through a Q code on my bill. It was a hassle, but I did that until last month when the Q code was not on the bill. I assumed theyd corrected the electronic payment issue and paid through my bank on XX/XX/XXXX. XXXX due XXXX XXXX. I receive XXXX bill with another late fee. I called and was treated poorly by two, foreign speaking people who refused to transfer me to a manager. I was told no electronic payments and it was posted a day late. I ended up speaking poorly in the end of a 30 minute argument for a manager or at least someone I could understand and hung up, which I regret. I have several accounts with comenity bank, but the XXXX account has been horrible. All other accounts with this bank accept electronic payments. The multiple changes in payment methods to this account are not my responsibility.
Product: Credit card or prepaid card

I received notification that my XXXX XXXXXXXX XXXX XXXX XXXX XXXX was acquired by Comenity Capital Bank effective XX/XX/2022. I previously established automatic payments that were then voided, yet I never received a new card from Comenity, nor did I receive any subsequent email notifications about account setup or payment due. I was only made aware from a credit report alert about them reporting a delinquent payment. I immediately tried to manually find and create or log into the Comenity website, but it's been down for extended period of time. I am not able to reset a password, register for access and I am not able to make a payment over the phone despite repeated attempts. They should not be allowed to report delinquent accounts to credit bureau 's while also preventing active account holders to make a payment. 

I believe there has been a security breach that they may not be reporting. On XX/XX/XXXX, I got an email from XXXX XXXX XXXX XXXX card referencing an account ending in 4 numbers that do not match my credit card. I then received communication XX/XX/XXXX with the correct account ending numbers. There's an inconsistent experience when attempting to call in to make a payment. Once I did get through and the automated system indicated they are only accepting debit card payments, which seems unusual as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act theses XXXX Accounts, 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 Experian accounts : 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

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report which is fraudulent. 
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. Items listed above, have 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 ( AN ( 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.I have NEVER opened or used the following account numbers, please remove all information below : Bank Name : CITIBANK NEW YORK Bank XXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Email Addresses : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A new hard inquiry was made on my Experian account for a XXXX card on XX/XX/2018. I did not authorize this. This is likely identity fraud as it is the second hard inquiry that I did not authorize in the past month on my credit reports.
Product: Credit reporting or other personal consumer reports

I paid off my Citibank credit card bill of {$12000.00} this past summer in a lump sum payment. I was under the impression that the balance was at XXXX. A couple of weeks later I had an XXXX XXXX XXXX and then contracted XXXX. I was recovering and wasnt on my phone. I then finally started using my phone and was shocked when my credit score dropped over 100 points. I investigated and contacted Citibank immediately. They then reassured me that since Ive been a customer and Ive never had any late payment on my credit history they would remove the late payment and nothing would be reported to the credit bureaus. To my surprise this did not happen. They lied and thats the issue here, I was completely misled by the people who work for this company. I am still disputing this case. I have attached a copy of the letter that I sent out to them after speaking to a representative named XXXX. I just want to know why they lied and werent truthful about the process. They removed the ding on my credit score and then put it right back in XXXX? So many months after the incident in XXXX. I want them to provide the chat history and answers that the employee provided because that is the issue, I was misled.
Product: Credit reporting or other personal consumer reports

we have a charter program and we are scheduled to fly XXXXXXXX XXXX XXXX. We send the deposit to them and they should revert us all documents needed for the flight. However until now do flight was confirmed and we have asked refund to them. The 2 entity don't send any refund to us until now and they can't even provide any proof of flight. 

We settled total amount of {>= $1,000,000} last XX/XX/XXXX. We want Full refund of the total amount from their account.
Product: Debt collection

On XX/XX/year> I after applying for an extension of credit and being denied due to a consumer report obtained from XXXX, I discovered numerous inaccuracies regarding a credit card on my Credit report being reported by Bank of America. I instantly contacted Bank of America only to find out there was a credit card opened without my knowledge or consent with an alleged balance of {$1400.00}. I informed them that I demanded an investigation and that I did not consent for them to report any adverse information due to the fact the information was inaccurate, incomplete and unverifiable. I then mailed Bank of America my notice of dispute and demand for verification. My letter went ignored for over 90 days. I then mailed the same letter via certified mail and was again ignored. shortly after I called and was disregarded and agents were being dismissive and rude to me. because of this I felt extremely discouraged and began contacting XXXX about the issue. XXXX claimed that they would conduct an investigation into the issue but failed to do so and reported the false information as verified. I have continuously attempted to resolve this issue with both parties and I have not been able to correct the misconduct. At this point my privacy has been invaded and I have not been able to obtain credit due to the defamatory reporting from both partied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, on XXXX|XXXX it's more than 60 days. I need these accounts deleted or updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN TRYING TO GET EXPERIAN TO INVESTIGATE THIS ACCOUNT FOR MONTHS! 

THE LAST REPORTED DATE IS XX/XX/2021, WHICH MEANS IT WAS NEVER LEGALLY INVESTIGATED. ALSO, EXPERIAN ILLEGALLY RE-AGED THIS ACCOUNT. WHEN I FIRST PULLED MY CREDIT, THE DATE OF LAST ACTIVITY WAS XX/XX/2021 AND IT WAS RE-AGED TO XX/XX/2021. 

THIS ALL VIOLATES THE FCRA!
Product: Debt collection

I AM A VICTIM OF ID THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN MEDICAL SERVICES.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND EQUIFAX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

XXXX XXXX  advised me that my debt was settled and I did not owe anything in my account. However they are listed on my account under Aldous and Associates for over {$600.00}. Back when I had the account I became physically Ill and XXXX XXXX advised me to give them a letter from my doctor stating that I could not use their gym. I did give them a letter from my doctor and they advised me that my account was settled and I didnt owe them anything. I need this account removed from my record.
Product: Credit reporting or other personal consumer reports

Today I viewed my current Consumer Reports and I found a couple inaccurate late payments on an account for which I have always maintained timely payments I even sent them proof. The Consumer Reporting Agencies plays the biggest role in accurately reporting consumer information for our livelihood. Its extremely important that this information be reported with full honesty and accuracy. I have never missed a payment on the following account, XXXX XXXX Account number XXXX. Im requesting a full investigation of these discrepancies and ask to be provided with evidence of these late payments. If proof cant be provided, I am requesting for these payments to be updated immediately as on time payments because the current statuses has a very bad impact on my report as well as life. I have always made on time payments and my consumer report should reflect that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Executive Office President, I currently have an active account with you and I recently noticed my credit line decrease. I'm was extremely shocked and surprised when I checked my credit report today discovered that your company ran an unauthorized report on me on Today ( Tuesday, XX/XX/2020 ). 

As I mentioned to several of your representatives today, I did not authorize such an inquiry and demand that you contact all the 3 major credit bureaus ( XXXX, Experian, andXXXX  ) immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report. 

I know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order, or employment ( which I DID NOT authorize neither of them ). I ask that you provide me with any signed documents OR proof that will prove this was authorized by me and if you are not able to I demand you to remove this as it is affecting my scores. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Product: Student loan

Applied for SAVE program through XXXX and submitted all information in XXXX, couldn't reach customer service until I filed my first CFPB complain which I was told they would respond to my initial inquiry about SAVE no later than XXXX business days. It is not over XXXX business days and I still have not been placed on SAVE.
Product: Payday loan, title loan, personal loan, or advance loan

I called XX/XX/XXXX because it was reported to my credit. During the application it stated credit will not be pulled and use employment for verification this is false advertising. 

Also they stated I applied back in XXXX and I never did this is also fraud. 

I didnt know that until after I did my application I used another email and no one notified me. 

The email they have was compromised back in XXXX. 

They also told me they couldnt change my email without verification after they already provide the loan. Which I believe is not in compliance with regulations. 

My application on XX/XX/XXXX I used email address XXXX but they decide to use fraud information on my application instead of notifying me.
Product: Credit card

I filed the dispute in regards to a XXXX XXXX XXXX claim once it was realized that the services had been misrepresented to what they were covering. I opened up this dispute with Discover card and provided them documentations from the Arizona Attorney General in regards to their attempt to resolve fraudulent actions by company XXXX XXXX XXXX. I filed the complaint as a misrepresentation of goods and services. Discover on at least two occasions changed that reasoning which made it almost impossible for me to proceed legitimately to defend myself or provide documentations about the reasoning codes that they had changed it to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown accounts on my credit report. It has been over 35 days later and I have yet to receive a response. I feel that I am being taken advantage of and ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts become deleted or I will file litigation due to the stress you caused me. 
My information was also impacted by the XXXX XXXX data breach. Where the names and Social Security numbers of alumni and applicants have been exposed after someone gained unauthorized access to an employees email account.