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

I am writing to request your help with correcting the information Citibank reports to the credit bureaus. In XX/XX/2015, Citibank reported to the credit bureaus the following status : " Account included in Bankruptcy ... Closed by Credit Grantor ... '' At that time I explained to Citibank that I had never filed bankruptcy and asked that the credit card account ( XXXX ) be restored to good standing it was in before XX/XX/2015.  Citibank has failed to provide proof of a bankruptcy petition being filed, despite repeated requests. Citibank has maliciously ignored all requests to correct the derogatory information they continue to report every month to the credit bureaus and is in direct violation of the FCRA. This account is being reported as " Failed to pay '' which is wrong. This account was in good standing until XX/XX/2015 when Citibank closed the account. This action against me by Citibank has been going on for 4 years! This action by Citibank is unfair and extremely damaging. Credit reporting companies sell the information contained in the credit reports to creditors, insurers, employers, etc and it is used to evaluate applications for credit, insurance, etc. It is incumbent on Citibank to make sure the information it reports is accurate as the inaccurate information has had, and continues to have, a detrimental affect on my ability to get credit, insurance and even a job.
Product: Credit reporting or other personal consumer reports

I disagree with your choice to deny my allegation of identity theft. Why do you have the right to determine whether or not I am a victim? You have neither the authority nor the legal basis to make such a decision. If you don't agree to my claim, I'll get help from my lawyer to take this matter to court. I must stress that my identity theft claim complies with all legal requirements. As required by law, I have turned in an official report to a government agency. Together, let 's work to find a solution to this problem in the allotted five days. XXXX XXXX I want to be very clear that I will not stand by and allow this egregious injustice to continue. You will pay a price if you continue to reject my legitimate claim. I have no qualms about consulting with my lawyer and seeking a court order to address this ridiculous circumstance. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. My frustration and anger are beyond measure, and I am resolved to see this blatant injustice rectified. The law is on my side, and I will not rest until justice is served. XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I RECEIVED A MESSAGE FROM XXXX THAT EVEN XXXX IS NOT ABLE TO LOCATE. BUT THEY ARE ABLE TO LOCATE EVERY OTHER ALERT THAT WAS SENT TO ME, EXCEPT THE ONE INQUIRY IN QUESTION. TIME, AND AGAIN I HAVE ASKED FOR AN EXPLANATION, TO NO AVAIL. IT IS GOING ON 3 WEEKS NOW SINCE RECEIVING THE MESSAGE, BUT AN INQUIRY HAS NOT SHOWN UP FOR A NEW INQUIRY. I RECEIVED THE INQUIRY ON THE XXXX. OF XXXX. TODAY IS THE XXXX. OF XXXX. I AM WORKING TOO HARD TO RAISE MY CREDIT SCORE TO SIMPLY WATCH IT PLUMMET FOR NO APPARENT REASON. THEY ARE ALSO REPORTING ANOTHER FALSE INFORMATIONNPERTAINING TO CHIME. A {$240.00} BALANCE HAS BEEN REPORTED. I AM HERE TO TELL YOU, NOT EVEN CHIME HAS SUCH AN INFORMATION. I NEED THIS FOOLISHNESS TO STOP. AND I NEED THIS MATTER RESOLVED IMMEDIATELY. I HAVE LOST XXXX POINTS FROM MY FICO SCORE DUE TO THIS ORDEAL. I HAVE BEEN GOING THROUGH A LOT WITH XXXX. THEY ARE NOT THE KINDEST BUNCH AND THEY MAKE IT EXTREMELY HARD TO DISPUTE NEGATIVE ITEMS. AND THE LANGUAGE BARRIER IS OUT OF THIS WORLD., AND I'M A FOREIGNER MYSELF. 
I NEED THOSE XXXX POINTS BACK. UNDER THE FCRA XXXX HAS VIOLATED MY RIGHTS. STOP DEDUCTING POINTS FOR NO REASON. THERE IS ALSO AN ACCOUNT FROM ALLY THAT IS NOT BEING REPORTED. I HAVE GETTING SEVERAL INQUIRIES REMOVED, NEVER ONCE DID MY CREDIT RISE. I AM CONVINCED THAT SOMEONE IS MANIPULATING/MESSING WITH WHATEVER MACHINE/COMPUTER THAT ARE ACCESSIBLE TO THEM.
Product: Debt collection

I checked my credit report and noticed unapproved accounts. I request immediate blocking and deletion of these.
Product: Money transfer, virtual currency, or money service

I have been using the app XXXX XXXX. There is consistently a issue with the app not getting updated information from BMO Harris bank about my transactions and balance as well as direct deposit.
Product: Payday loan, title loan, or personal loan

Company keeps harassing me, calls me feom different numbers and like 20 calls from this company. I work and company calls me like 20 times and I can not work. They call people that I know to get information from me. They threaten me to sue me if I do n't pay but I told them I will pay
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I filed bankruptcy in 2022. I have repeatedly asked this company to cease and desist from contacting me as well as provided them with the bankruptcy case number. The Manager, XXXX XXXX, has repeatedly sent me emails after I asked him to stop contacting me and informing him that he was in violation. He has repeatedly asked me for a document showing proof. I have upheld my end by providing him with the case number for them to do their due diligence. Yet he insists upon contacting me. I have not received anything in writing by mail only this email.
Product: Credit reporting or other personal consumer reports

Experian lawsuit. I've complained many time to the CFPB about the unlawful practices used against me by Experian & yet the CFPB didn't get me any resolve, compensation or Remedy, yet now CFPB is suing Experian for the same unlawful practices that I clearly complained about. Why Didn't I Receive any REMEDY, COMPEMSATION OR RESOLVE IN MY ORIGINAL COMPLAINTS ABOUT EXPERIAN & WHY DIDN'T THE CFPB NOTIFY ME PERSONALLY ABOUT THE LAWSUIT THAT THEY HAVE WITH EXPERIAN COMPLAINING ABOUT THE SAME UNLAWFUL PRACTICES THAT I RAISED. IN MY FIRST COMPLAINTS ABOUT THIS COMPANY EXPERIAN?
Product: Debt collection

My credit card was stolen and used there are fraudulent charges on this account XXXX XXXX has refused to correct the issue instead they are updating the dates and balances and account history each time I dispute the account prolonging the process also the account has been reported charged off but I received a letter from a collections company whom XXXX XXXX has sold the account to trying to collect on this debt. As a victim of identity my information should have been kept confidential. I am entitled to a full investigation and removal of this account. This account does not follow FCRA guidelines and is a violation of my rights as a consumer. This account is reported charged off which means a 1099-c should have been mailed to me regarding this action made regarding the accounts status. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated.This debt collector has not provided me proper debt validation for this debt. Please delete this from my report.
Product: Payday loan, title loan, personal loan, or advance loan

The interest rate is illegal. Here are the terms : ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 

XXXX XXXX ( e ) FINANCE CHARGE The dollar amount the credit will cost you. 

{$3000.00} Amount Financed The amount of credit provided to you or on your behalf. 

{$870.00} Total of Payments The amount you will have paid after you have made all payments as scheduled. 

{$3900.00} Here is my payment schedule. I pay {$220.00} every XXXX weeks and the principal only goes down {$5.00}. 

Payment Schedule Pmt # Due Date Principal Interest Principal Payment Due Ending Principal XXXX XX/XX/XXXX {$870.00} {$110.00} {$4.00} {$120.00} {$870.00} XXXX XX/XX/XXXX {$870.00} {$210.00} {$5.00} {$210.00} {$860.00} XXXX XX/XX/XXXX {$860.00} {$210.00} {$6.00} {$210.00} {$850.00} XXXX XX/XX/XXXX {$850.00} {$210.00} {$8.00} {$210.00} {$850.00} XXXX XX/XX/XXXX {$850.00} {$200.00} {$10.00} {$210.00} {$840.00} XXXX XX/XX/XXXX {$840.00} {$200.00} {$12.00} {$210.00} {$820.00} XXXX XX/XX/XXXX {$820.00} {$200.00} {$15.00} {$210.00} {$810.00} XXXX XX/XX/XXXX {$810.00} {$190.00} {$19.00} {$210.00} {$790.00} XXXX XX/XX/XXXX {$790.00} {$190.00} {$24.00} {$210.00} {$760.00} XXXX XX/XX/XXXX {$760.00} {$180.00} {$30.00} {$210.00} {$730.00} XXXX XX/XX/XXXX {$730.00} {$180.00} {$37.00} {$210.00} {$700.00} XXXX XX/XX/XXXX {$700.00} {$190.00} {$43.00} {$230.00} {$650.00} XXXX XX/XX/XXXX {$650.00} {$180.00} {$54.00} {$230.00} {$600.00} XXXX XX/XX/XXXX {$600.00} {$160.00} {$70.00} {$230.00} {$530.00} XXXX XX/XX/XXXX {$530.00} {$140.00} {$89.00} {$230.00} {$440.00} XXXX XX/XX/XXXX {$440.00} {$120.00} {$110.00} {$230.00} {$320.00} XXXX XX/XX/XXXX {$320.00} {$90.00} {$140.00} {$230.00} {$180.00} XXXX XX/XX/XXXX {$180.00} {$50.00} {$180.00} {$230.00} {$0.00}
Product: Debt collection

I loss my job XX/XX/XXXX I contacted Discover card saying I am not working and can not keep my payments and being harrass every day with calls and letters and emails.I am. being sued to go to court
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XXXX, 2017 - XXXX XXXX XXXX XXXX  realized that they incorrectly reported information to all three ( 3 ) major credit bureaus. At that time, XXXX XXXX XXXX XXXX requested that all three ( 3 ) major credit bureaus delete the information. Equifax has not deleted the information.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice some fraudulent accounts on my report.Please remove these accounts they are hurting my ability to obtain credit
Product: Mortgage

LoanFlight Lending LLC, a non-bank mortgage lender, has obstructed the closing of my refinance mortgage for, what I believe to be, retaliation for my selecting a different title and settlement agent then their preferred and/or affiliated one. 

Specifically, LoanFlight representatives have made non-standard requests regarding the title commitment for the proposed mortgagee title policy. And when this was brought to LoanFlight 's attention, it was, essentially, admitted as such. ( See attached chain of emails. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed my XXXX XXXX XXXX through the XXXX XXXX XXXX in XXXX of XXXX. XXXX XXXX was my finance account manager name. They where accurately reporting to the credit unions when I first financed the vehicle, they also accurately reported every payment until the beginning of XXXX. When the COVID-19 outbreak occurred they INACCURATELY reported to the credit reporting agencies that no payments where made due to COVID-19 which was incorrect. After I reported the discrepancy to the credit reporting agencies and provided proof that payments where being made the account was removed from my credit report instead of being corrected. The loan is now paid off and closed and it should accurately reflect that on my credit report. I spoke to someone from the XXXX XXXX XXXX over the phone regarding this situation and was told I would received a follow-up call but never received one I never heard back regarding this situation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries listed on my credit report. I am a victim of a data breach, and the accounts and inquiries detailed below were not authorized by me. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file : Fraudulent 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached and FDCPA letter, there are clear violations and this account needs to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}. Please update.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I've sent you a request to reinvestigate incorrect items, which you list on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And others, The computer-generated response I keep receiving is unacceptable, and I am losing patience. Suppose the information is not immediately reinvestigated and removed. In that case, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies, including the FTC and my state attorney general. 
Remove these incorrect information immediately and send me an updated copy of my credit history report. 
Sincerely, XXXX XXXX
Product: Credit card

HSBC continues to report negative information on my credit report that is over 7 years old. I have XXXX accounts with HSBC that are currently reporting as charge-offs. This information is over 7 years old. I called this to HSBCs attention and disputed with them. I received a letter XXXX XXXX ( see attached ) from HSBC stating that as a customer courtesy they had made the decision to delete the tradelines reporting. That the accounts would no longer be reporting. Since XXXX XXXX HSBC has reported XXXX times to the credit burea and continues to report as charged-off. They reported it XXXX XXXX as a charge off.
Product: Credit card or prepaid card

I was never late or any of my payments they reported me to the Credit for being late. The company sent me a letter saying that I was never late and yet this remains on my credit report. I please want it removed
Product: Mortgage

I received a credit card for XXXX of credit from XXXX on XXXX XXXX for a {$10000.00}. The loan was apart of the XXXX settlement in XXXX. The loan server at that time was XXXX they filed a lawsuit against me and I filed a answer the case was dismissed in the Superior Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
This loan has been dismissed a loan forgiveness was granted. The Loan was unlawfully sold and transferred after the courts dismissed there claims. The assignment and transfer were illegally conveyed by robo signers after the cutoff date of the alleged trusts closed. The pooling and service agreement clearly stated that all assignments were supposed to have been conveyed 90 days prior to the cutoff date filed with the United States XXXX XXXX. There has been no payment on this Loan since XXXX Recap The case has gone before a Superior Court judge and was dismissed Fraudulent Assignments conveyed after the cutoff date of the trust Loan that was apart of the XXXX settlement
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my most recent consumer report, I noticed the presence of a bankruptcy entry that should not be included. Through my recent study of laws, I have become aware that the inclusion of this bankruptcy violates 15 U.S Code 1681 a ( 4 ) - Consumer Right to Privacy. It is my right as a consumer to have control over the release of my personal information, and your unauthorized disclosure is unacceptable. 

I want to emphasize that I am a victim of identity theft, and the inclusion of this inaccurate bankruptcy entry further compounds the damages caused by the fraudulent activity. It is important for you to understand that there are legal consequences, both criminal and civil, for such actions. 

Thank you for your immediate attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. ALSO STATES THAT A CONSUMER REPORTING ANGENCY CANNOT FURNISHA ACCOUNT WITHOUT MY WRITTEN PERMISSION

15 U.S.C 1681C(A) (5) SECTION STATES: NO CONSUMER REPORTING AGENCYMAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE INFORMATION,OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681-2(A) (1) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TI A CONSUMER TO ANY CONSUMER REPORTING AGENCY OF THE PERSON KNOWS OR HAS CAUSE TO BELIEVE THAT THE INFORMATION TO BE INACCURATE.
Product: Credit card or prepaid card

I was past due with my payments due to COVID XXXX in XX/XX/2020. Citi approved a payment deferral of two billing cycles on XX/XX/XXXX. I still made the minimum balance payment in XX/XX/2020 for the following billing cycle. On XX/XX/2020 I checked their app for additional payment before my due date and the app showed that I had already made a payment so no payment was due. I was still charged {$40.00} for a late fee. Then collection phone calls started from the company at least twice a day every day. 
On XX/XX/XXXX, I made another payment before the due date of XX/XX/XXXX for the minimum balance due. Yet on XX/XX/XXXX I was hit with another late payment fee for {$40.00}. 

Today, XX/XX/XXXX, I spoke to at least 4 different Citi employees who each gave a different excuse for the fees although I paid the minimum payments as reflected in the app. 

Instead of billing for the missed payment in XXXX as part of the minimum payment due, they have it billed separately as an optional payment and then are charging a late fee for that payment. I have closed the account but this is clearly unethical billing and fee charging. I'm paying my balances as stated but still getting charged and the agents act as if this is normal.
Product: Mortgage

Pursuant to my original complaint # XXXX XXXX XXXX promised to send a gift card for {$100.00}. The card was not sent. Below is teh script from his response : On behalf of PennyMac, please accept my sincere apology for any frustration and confusion you experienced as a result of this matter. PennyMac strives to provide quality service to all of our customers. Your feedback is very important as we are constantly looking for ways to improve our services. As a gesture of goodwill, a gift card for {$100.00} will be sent to you under a separate cover. Thank you for allowing me to address your concerns. In accordance with the Real Estate Settlement Procedures Act ( RESPA ), you have the right to request documents that we relied upon in reaching our determination ; therefore, I have enclosed the supporting documents for your convenience. Should you have further questions related to the matter above, you may contact me directly at ( XXXX ) XXXX, extension XXXX. My office hours are XXXX XXXX  to XXXX XXXX PT, Monday through Friday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting I owe {$450.00} to VA XXXX XXXX. ( Veteran Affairs ). I disputed this account as paid by me and closed in 2016. Equifax is still reporting I owe {$450.00} so they did not remove the collection account. I personally called VA XXXX XXXX and they concurred all accounts are paid in full and closed. So I disputed it again with a Equifax and again they determined I still owe VA XXXX  {$450.00}. This account is paid in full and the derogatory remark that it is an open collection account is severely impacting my credit rating, job status and loan applications.