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

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay.

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to ALL 3 credit bureaus- XXXX XXXX Experian XXXX XXXX several times to have this account with ( XXXX- name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Product: Money transfers

Recieved a call from a party claiming to be the IRS, party stated that there was a warrent out for my arrest, and that I had to pay {$5000.00} in order to satisfy XXXX tax evasion charges. I made XXXX MoneyGram transfers to people that I thoiught was the IRS. These transfers totalled {$4000.00}.
Product: Mortgage

Quicken loans, I started a loan application with them on Wednesday, they quoted me a price and by Monday they were up selling me into more closing cost and rate increase. Based solely on the fact that I did n't repond fast enough. It was 4 buisness days, they should give a consumer reasonable time to research and consider and offer in writing. Not fair to attempt to upsell HARP rates after making the offer two days later. Very dishonest and put good family 's under pressure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of Birth : XX/XX/XXXX SS # : XXXX I sent out letters to XXXX, XXXX and Experian requesting to Remove Inaccurate Credit Information off my credit report. 
I have the right to challenge and dispute any errors and any discrepancies on my personal credit report. 

I received a copy of my credit report and found the following items to be in error below XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Bank account or service

I decided to give Citibank a try on XX/XX/2016 due to the " Reward your drive '' promotion. This promotion promised a {$400.00} credit to all new customers to open a Citibank account, deposit at least {$15000.00}, and keep a minimum deposit of {$15000.00} for 30 days. I did all of this. I was supposed to receive the credit within 90 days of opening my account. I contacted Citibank because I heard nothing from them on when they plan to deposit this credit. Citibank then has the nerve to tell me I 'm not enrolled in this promotion because I did n't verify my email address ( This is a lie, I have verified my email several times ) and then they claim I need to provide them a promotional code. This too is a lie because the promotion states nothing about providing a code. I found a code for the promotion and send it to Citibank, then they " investigate '' why they have not honored the promation while they let the promotion date expire!! This is complete false advertising. I complied with all terms and conditions of the promotion. I even enrolled in it and opened the account from the link on Citibank 's website. They know I am due the {$400.00} credit but the entire promotion is a scam, they are not going to honor it!! If all of this is n't bad enough they refused to allow me to pay my water bill the first month because they claim I needed to verify that I had received the check I gave the water company. I have over {$20000.00} in this account but they will not allow me to pay my {$40.00} water bill! I now have to pay a late fee and credit card fee because Citibank decided to " Freeze '' my account without telling me because they want to verify that I want to spend the {$40.00} check I gave the water company! I did fax a signature to verify that I received my checks before trying to spend one. However I had to contact the corporate office to get someone to check the fax machine!! Citibank is the worst customer service on this planet and needs to be shut down!
Product: Debt collection

Currently a collection with a significant balance was reported on my credit file. I have not received any notification from this collection agency informing me of what this debt is or where it originated from.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I paid the {$10.00} balance in full through XXXX online banking on XX/XX/2021. The funds were taken from my account. After several phone calls to Barclays and to XXXX it was determined that XXXX made a mistake in their coding. On XXXX I had a 3 way conversation between, Barclays, me and XXXX. Barclays told XXXX to send the supporting documents to them. On XXXX RBFCU sent the documents ( attached ). Barclays then sends me a letter on XXXX ( attached ) about a missing payment of {$1000.00} which has NOTHING to do with the issue at hand. Never was there any mention during any conversations or documents that there was a missed payment in the amount {$1000.00}, it was {$10.00}. Obviously they are not reviewing the phone notes or mailed documents. On XXXX I receive a letter from Barclay 's stating they can not take the 3rd party documents that XXXX sent to them, ( letter attached ). XXXX was told on the 3 way call to mail Barclays the documents ; getting the letter from Barclays stating they could not accept the documents just goes to show how inept they are, it is so irritating. I then called Barclays and asked for a supervisor 's supervisor to review the file, and to do a thorough review before calling me. I was told a supervisor would call me back, it's been weeks and I have yet to receive a call, but I did receive another statement with another late fee. The {$10.00} was NEVER credited back to my bank account or credit card account. There is an out of balance AR ledger for {$10.00} at Barclays or someone else 's account was credited using my funds. They have my cash, but no credit to my bank account or credit card account. I'm feed up with them.
Product: Credit reporting or other personal consumer reports

Ive been a vicitm of identity theft in the past as my information as well as other military personnel had thier information leaked online, Ive had extended fraud alerts and credit freezes in place, Yet scammers have been able to open accounts with my information, obtain employment and more in my name. 

Ive filed with FTC and signed an affidavit affirming these items are fraudulent, Im reaching out via CFPB and Certified mail to the credit agencies one last time before initiating a law suit for damages.

According to my new legal cousel they have 14 days from today and this report to remove these fraudulent items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase Bank has refused to provide all credit card statements for this account, which has inhibited my ability to dispute charges and late fees assessed on the account. On numerous occasions I submitted payments above the amount due and the bank refused to move the due date and the payment amount for making an advance payment. XXXX XXXX  would assess late fees even though I submitted large payments on multiple occasions in previous months, which made it very difficult to maintain a relationship with the financial institution. In addition, they would charge interest that was grossly unfair to a XXXX XXXX Veteran. JP Morgan Chase continues to report unsubstantiated ( incorrect ) amount to all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I requested a copy of a credit report from XXXX. I received a copy of this report on XX/XX/2021. 

On XX/XX/2021, I submitted a request via Certified Mail to XXXX to validate a Bankruptcy with the US Bankruptcy Court-XXXX XXXX to be listed as100 % accurate with no missing information. 

The letter certified letter was received by XXXX on XX/XX/2021. In response, I received a letter dated XX/XX/2021 that XXXX contacted XXXX XXXX XXXX to determine the accuracy and completeness of the information they are reporting. However, they did not verify the information to be reported 100 % accurate with the US Bankruptcy Court-XXXX XXXX I also verified with the US Bankruptcy Court-XXXX XXXX in writing that they do not verify or validate information with ANY Credit Bureaus or Credit Reporting Agencies such as XXXX. 

On XX/XX/2021, I sent a second letter via Certified Mail to XXXX to validate a Bankruptcy with the US Bankruptcy Court-XXXX XXXX to be listed as 100 % accurate with no missing information. 

The letter certified letter was received by XXXX on XX/XX/2021. In response, I received a letter from XXXX that they were unable to process my request at the time. 

As of XX/XX/2021, XXXX continues to provide Bankruptcy information to Credit Bureaus and have not verified said information to be 100 % accurate with no missing information with the US Bankruptcy Court-XXXX XXXX. 

Furthermore, the information is not being reported accurately & correctly with all Credit Reporting agencies. 

This inaccurate information has a negative marking on my credit and is affecting my ability to obtain credit as well as my credit scores. 

I would greatly appreciate it if you can make written contact with XXXX and request that they verify with the US Bankruptcy Court-XXXX XXXX in writing the information they are providing to Credit Bureaus to be 100 % accurate & complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am XXXX and was taking advantage of due to mild practice while several laws were being broken under the FCRA by your company. this has caused me financial injury and defamation of character your company failures to positively verify information reported has hurt my ability to obtain credit, employment, and a home.
Product: Debt collection

After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} CCI ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00}
Product: Credit card

There was a charge for {$3100.00} that I did not authorize. I opened a fraud claim and was sent an email that Amex will not investigate it. I asked for it to be reopened and Amex said their decision stands. I know that Amex can investigate it for fraud when I did not do the transaction and evidence will show this as I did not do it so it is impossible that they can not investigate the fraud.
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Payday loan, title loan, or personal loan

Hello! 

I'm sending this complaint to let you know that Citizens One, who finances XXXX XXXX loans, does not abide by the Federal Periodic Statement rule. They do not provide monthly statements with interest rates, fees, and pre-payment information. 


XX/XX/2020 After reviewing my emailed " Payment Reminder '' with only balance and payment amount, I created an online account to be able to see my interest rate, and be able to pre-pay my loan. As this information was not provided in my " Payment Reminder ''. I receive no other form of communication, including Statements, from Citizens One regarding my account. 

My online account does not display my interest rate, nor pre-payment information, nor any way for me to make additional payments. 

I navigate through the customer service number to check through the menu options to see if I can find my interest rate, or able to pre-pay, or if there is a penalty. I can pre-pay, however, the message ( recording ) says that I need to check my original loan documents to see if pre-paying is advantageous. This makes me apprehensive that there is a pre-payment penalty. 

I called to see how I can find this information. In summary, I would need to be transferred to a different department that would then be able to send me the truth in the lending document associated with my loan and the helpful customer service representative told me my interest rate, verbally. 

The only information that this company sends monthly is an emailed " Payment Reminder '' which does not include the interest rate, fees, or pre-payment information. 

As a side note, and possible separate issue from statements, are companies required to allow customers to make additional online payments? Because that is not an option ( only by phone ). 

While this company helps answer questions, they should be sending statements with the interest rate, fees, and prepayment penalties. 

Thank you! This is a HUGE loan provider considering 100 million people in the United States own XXXX. 

Keep up the good work and stay well!
Product: Credit reporting or other personal consumer reports

To CFPB I am writing to request the removal of unauthorized credit inquiries on all three of the credit bureaus on my credit report. My latest credit report shows that I have credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report due to a VIOLATION of 15 USC 1681b Item No. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; U.S POSTAL SVC FED, has violated my rights with an unauthorized inquiry on XX/XX/21 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.
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 : # XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, # XXXX, XXXX  : # XXXX, # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, # XXXX, XXXX  XXXX : # XXXX, # XXXX, XXXX : # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, # XXXX, XXXX : # XXXX, # XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX, DPT EDXXXX : # XXXX, XXXX XXXX : # XXXX, DPT ED/XXXX  : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX XXXX XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX. XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX  : XXXX 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 reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXXXXXX Balance : {$11000.00}