23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I CALLED XXXX AND XXXX. THIS IS BY FAR THE WORST BANK WITH MANY UNSOUND BUSINESS PRACTICES. I WAS REPORTED LATE. MY CREDIT WAS PULLED WITHOUT MY AUTHORIZATION XXXX. WHY WOULD I APPLY FOR NEW CREDIT. I EMAILED XXXX ALL MY EVIDENCE. 
I AM GOING IN FOR XXXX DUE TO A FALL IN XXXX AT THE XXXX  I OWN WHICH IS ON THE MARKET FOR SALE. I AM ON LEAVE FROM WORK DUE TO MY INJURY. I HAVE CALLED FOR MANY MONTHS WITH XXXX ASSITANCE. 
DEALING WITH THESE PEOPLE FRANKLY IS DANGEROUS AND THE XXXX SHOULD PUT THIS BANK OUT OF BUSINESS. I REQUESTED A FOREBEARANCE, LOWER MY INTEREST RATE. I NEED ASSITANCE UNDER 12 MONTHS. REPORTING ME LATE WHEN I MADE A PAYEMNT ON TIME. I HAVE VERY LEGITIMATE HARDSHIP. I HAD TO PAY HIGH LITIGATION FEES DUE TO MY XXXX NEGLIENCE AND THIS IS PUBLIC RECORD. I HAVE BEEN TRYING TO SELL MY UNIT AND BY NO FAULT OF MY OWN THE BUILDING DID NOT PASS INSPECTION. I HAD NO CHOICE TO XXXX. 
DEALING WITH CITIZENS BANK IS HORRIFIC, DANGEROUS, RISK FACTOR, UNSOUND BUSINESS PRACTICES. THE TATITICS IS UNACCEPTABLE. 
NOW, I HAVE TO HIRE AN ATTORNEY FOR THIS ACCOUNT TO GO INTO LEGAL ARBITRATION. XXXX XXXX HAS BEEN CONTACTED. I WAS FLAGGED AS 30 DAYS LATE. I HAVE ALL MY UNDISPUTED EVIDENCE OF NAMES, DATES, TIMES WHO I SPOKE TO, WHAT WAS SUBMITTED. THIS WILL GO TO XXXX XXXX AND OTHER INDIVIDUALS AT CITIZENS BANK. THIS BANK IS VERY UNSTABLE AND HOW IS IT POSSIBLE THE CFPB OR XXXX HAS DONE NOTHING TO CORRECT THESE DANGEROUS BUSINESS PRACTICES. I AM AWARE I OWE THE DEBT. I NEED ASSITANCE FOR VERY GOOD REASON AND THE DISCRIMINATION AMONGST OTHER TATITCS WHICH ARE NOT LEGAL WILL BE HANDLE, THE FUNDS I HAD WENT TO LAWYER SINCE CITIZENS UNSOUND BUSINESS PRACTICES FORCED ME NO OTHER CHOICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent a letter to Equifax asking them to initiate an investigation of accounts that were reporting inaccurate information on my credit report. Its now XXXX XXXX, and I have yet to receive any response from their agency. I have even sent several follow-up letters, and still, I have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continued to report incorrect and invalid information. After several written attempts to have the credit bureau correct these errors, they still continue to report false items. They have my credit score listed on their website as XXXX. Yet, they reported a low score of XXXX to a lender. This is in violation of the FCRA. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. Given all my attempts to address XXXX erroneous accounts directly with the Equifax XXXX, this is negligence and non-compliance with federal statutes. Please delete the disputed accounts in my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX. I have sent documentation with both disputes. This matter is still unresolved, and the bureau is now reporting low scores to lenders/creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$4400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX IN. XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$89.00} XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX (  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$110.00}
Product: Credit reporting or other personal consumer reports

Ive worked really hard the last 3 years paying my bills on time building my credit In XX/XX/XXXX shy of XXXX credit score I was told I lack recent installments loan on my account ..so opened a lined of credit for XXXX .. my account went down almost XXXX point.. 

I have XXXX in credit limit 20 percent usage Each of my card the usage is below 20 percent yet these credit bureau are punishing for using my card responsibility.

I have account with XXXX XXXX  as well paid the balance in full.. I got no point back for doing the right thing, Loosing XXXX points when u worked so hard on my credit for trying to do right is not fair .. Im asking to please show proof how do you justify taking away XXXX points from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very worried because of an error that is still on my Transunion credit report. XXXX  and XXXX  have removed this mistake a while back. However, Transunion still continues to report this. I am being denied a home loan because of this mistake solely because Transunion is the only bureau reporting it. I keep getting nonspecific and generic responses from Transunion each time I try and reach out.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXXXXXX 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 an account without my written instructions.
Product: Payday loan, title loan, or personal loan

I contacted Balance Credit not knowing that they are an illegal entity in the state of Ohio. I have paid over the principal on the loan that I took out with them. They are charging 697 % interest and I refuse to pay anymore since they have received the principal of the loan plus money. I have sent them cease and desist letters and they continue to harass me.
Product: Credit reporting or other personal consumer reports

I am formally requesting a re-evaluation of my identity theft dispute and a detailed explanation of the reasons for the denial. I urge your bureau to conduct a thorough and objective investigation into my case, taking into account all the evidence I have provided. However, despite the ample evidence provided, I was dismayed to receive a response from your bureau stated my dispute was denied. The letter did not provide sufficient justification for the denial and failed to acknowledge the gravity of my situation. I believe there has been a grave oversight in the evaluation of my case. I provided the required documentation and supporting evidence to substantiate my claims. This included a FTC Report from IdentityTheft.gov. My identity theft claim, submitted since XX/XX/XXXX of last year, outlined the following fraudulent activity on my credit report : XXXX XXXX XXXX XXXX. Please delete this fraudulent account ASAP.
Product: Debt collection

Listed XXXX XXXX, XXXX, original debtor : HSBC, listed as open account, charged off by original.debtor,, last pd XXXX. Different C/R removal dates.
Product: Payday loan, title loan, or personal loan

I received monies from these companies, paid them in full I thought ...!! They continued to withdraw money from my bank account even after I ordered them to stop. They caused me great hardship. I paid them off early trying to avoid the high interest rate. So the unauthorized withdrawals by the payday loan companies continue until I was force to close my account. Because of this I had to actually get a XXXX debit card for my direct deposits of my bi- weekly pay. It wasnt until I tried to get a financing for a home did I see the fraudulent entries on my Credit File. As the CFPB has successfully sued XXXX XXXX XXXX ... I am involved in that settlement ... I have asked for monies Owed and now a complete DELETION OF ALL THREE TRIBAL LENDERS OFF MY CREDIT FILE .... MOBILOANS ... XXXX XXXX LENDING AND XXXX  XXXX ( after the court case ... they did mark my credit file as PAID IN FULL. Please delete these 3 fraudulent entries on my credit file.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information on Credit Report Account Name : XXXX XXXX  Account Number : XXXX Dear CFPB, I am writing to formally dispute inaccuracies in my credit report regarding the above-referenced account. Pursuant to 15 U.S. Code 1681s2, furnishers of information have a duty to provide accurate and complete information to credit reporting agencies. However, the information reported by TransUnion, XXXX, and XXXX contains multiple discrepancies that must be investigated and corrected. 

Below are the inaccuracies : Date Opened TransUnion reports XX/XX/XXXX. 
XXXX and XXXX report XX/XX/XXXX. 
Request : Delete immediately due to inconsistent and unverifiable information. 
Date of Last Activity ( DOLA ) TransUnion and XXXX report XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 
Request : Delete immediately due to inconsistent and unverifiable information. 
Date Reported TransUnion reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 
Request : Delete immediately due to inconsistent and unverifiable information. 
High Balance TransUnion and XXXX report the XXXX XXXX as {$480.00}. 
XXXX reports the High Balance as {$0.00}, which is inaccurate. 
Request : Delete immediately due to inconsistent and unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with " The Fair Credit Reporting Act XXXX  '', Wells Fargo Dealer Services on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 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 an account without my written instructions.
Product: Credit reporting

I have disputed XXXX public records on my Equifax that have been deleted through my XXXX and XXXX. I provided all XXXX the same information and Equifax is refusing to delete stating that it must remain for 7 years. If that 's the case, then why did XXXX and XXXX delete them? I am trying to purchase a home and I need to have these matters resolved and it seems as though they are very unwilling to assist in any way.
Product: Credit reporting or other personal consumer reports

I have multiple inquires i did not recognize him my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called all bureaus to get these off and they told me i have to verify i did not open them. None of these inquires are connected to none of my accounts on file. 15 usc 1681 right to fair credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am having difficulties with buying a house and applying for new credit cards. I paid the XXXX BANK NA account already and do not owe anything, but the mark in the report prevents me from achieving the desired results. 
I am kindly requesting your company to remove this account from my credit report as a gesture of goodwill. Thank you in advance.
Product: Credit reporting or other personal consumer reports

I'm writing to inform that Experian credit bureau and XXXX credit bureaus are is in violation of 15U.S.C 1681 ( a ) 6 ( B ) and 15U.S.C 1681i ( a ) 1. Please require them to thoroughly investigate the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my credit profiles per the FCRA.
Product: Mortgage

There is a foreclosure sale date on Monday XXXX XXXX, 2016. Due to XXXX XXXX, our house is subject to a moratorium in foreclosure activity. Suntrust has not dismissed its action to prevent the sale of the house in violation of the Presidential proclamation of an emergency as well as the XXXX order to prevent foreclosure activity for houses subject to the proclamation, such as mine. We sent a notice of error to Suntrust on XXXX XXXX, 2016 via email to Suntrust 's counsel of record and to Suntrust via certified mail. Suntrust has acknowledged receiving the XXXX but has not responded despite the fact that there is only one more business day before the sale of the home. Suntrust is not taking the appropriate action to ensure the house does not get sold at the foreclosure auction.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, inquiries : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following 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 XXXX 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

For the past several years I have been unable to receive an credit report from any of the companies that participate in the XXXX program. 

Any attempt always results in " We're sorry, for your protection we are unable to deliver an XXXX Free Annual Credit Report over the Internet, '' " A condition exists that prevents Experian from being able to accept your request at this time, '' or " The system was unable to get enough information from the Free XXXX XXXX XXXX to complete this process. '' I used to be able to successfully obtain credit reports from the site but now I always have to call or mail the request. What is the point of having this site if it doesn't work?
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ). 
In general it, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : several incorrect names and addresses
Product: Credit card

I had a Home Depot/Citi Bank card opened in my name without my consent on XX/XX/year>. The charges were at Home Depot for {$1200.00}. I have contacted Citi Banl and they have given me the claim number XXXX. They said it will take 60-90 days to complete their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agency [? ] Convergent Outsourcing Original balance [? ] {$280.00} Date assigned [? ] XX/XX/2020 Original lender [? ] XXXX Account number [? ] XXXX Account holder [? ] Individual debt was paid and company refused to take it out of collections
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts should not be reporting on my credit file, at this point these accounts are fraudulent and therefore I'm demanding that they be removed. 

1. Acct XXXX XXXX {$110.00} 2. Acct XXXX XXXX {$70.00} 3. Credit Factor Account 4. Credit Factor Account
Product: Credit card

I sent Barclays a {$100.00} USPS money order on XX/XX/XXXX. I mailed it with a payment stub from a billing statement to prevent the exact problem that has occurred. I sent the payment stub so Barclays would have my information in front of them with my payment for no error. 

But here we are. 7 months later the {$100.00} USPS money order payment from me to my Barclays account was never posted. It was cashed. 

There was a temporary credit at one point on the account. So I made more payments.

But I stopped paying on my Barclays account because Barclays ripped me off. Barclays failed to provide exceptional customer service. And frankly I see them as robbers. Because if someone stole {$100.00} from me, well thats what theyd be. And Barclays stole my {$100.00} payments. 

At this point I want my {$100.00} payment found. I want ALL charges incurred since XX/XX/XXXX refunded. I will pay my basic monthly payments due, and continue to pay off account. I want ALL derogatory remarks removed, and a remark of ownership of error on behalf of Barclays owning lost payment on my credit.
Product: Credit reporting

Chexsystems reporting fraud from XXXX XXXX XXXX on my accounts were fraud was reported and case number from the FTC dated XX/XX/XXXX. I have tried to fax and mail copies of filed fraud and still no response. Chex Systems took the information from XXXX XXXX XXXX and is unfounded and investigated for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax numerous times and I was told that these inquiries will be deleted from my credit report. These inquiries are unauthorized and need to be deleted immediately.
Product: Credit card or prepaid card

On XX/XX/2022 the online ticket and lodging reservation system XXXX discovered that their stored payment card information, which included my Bank of America VISA card, had been hacked by an unknown actor ( letter attached ). I was informed of this on XX/XX/2022. 

On XX/XX/2022 there were two fraudulent charges to my above mentioned VISA account of {$910.00} from a XXXX XXXX and {$330000.00} from a XXXX XXXX XXXX XXXX copy of statement attached ). I have never heard of either of these companies and have never done business with them. 

I called Bank of America shortly after these charges were made to report fraud. The person I spoke with asked me if I recognized a series of transactions including the two above. There were six additional small transactions of less than {$20.00} that I did not recognize and which were included in my fraud report. 

Bank of America determined that the six small transactions were subscriptions and after reviewing them I agreed. 

HOWEVER, THE TWO LARGE CHARGES LISTED ABOVE FOR {$4200.00} ARE NOT SUBSCRIPTIONS. THEY ARE FRAUDULENT. 

Bank of America has repeatedly denied my request to have the two fraudulent charges listed above ( for a total of {$4200.00} ) removed from my account. First they claimed that the charges are subscriptions ( letter # 1 from B of A attached ), and I responded with a letter ( XX/XX/XXXX, attached ) explaining that the large charges were not subscriptions, but were fraudulent. Then they claimed that I agreed that the charges for {$4200.00} were valid ( letter # 2 from B of A attached ). 

I DID NOT AGREE THAT THESE TWO CHARGES ARE VALID IN MY LETTER OF XX/XX/XXXX. In my XX/XX/XXXX letter I state that I agree that the six small charges totaling {$34.00} are valid but I clearly make the point that the TWO CHARGES TOTALING {$4200.00} ARE FRAUDULENT. 

Apparently the person handling this matter at Bank of America has not actually read my letter of XX/XX/XXXX ; in any case Bank of America continues to charge me for two fraudulent charges to my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute Illegal and Inaccurate XXXX Reporting by U.S. Bank Dear U.S. Bank and XXXX, I am submitting this formal dispute against U.S. Bank Corporation regarding the unlawful reporting of a business account on my personal XXXX report. Under 15 U.S.C. 1681a ( d ) ( 1 ), this information should not appear on my personal file. 

Disputed Account Details : Bank Name : U.S. Bank Corporation Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Reported For : Account Abuse Date of Closure : XX/XX/year> XXXX/Account Number : XXXX / XXXX Original Charge-Off Amount : {$110.00} Closure Status : Unpaid ( As of XX/XX/year> ) Violations of Federal Law : Illegal Business Account Reporting Per 15 U.S.C. 1681a ( d ) ( 1 ), business accounts should never appear on a personal consumer report. 
Failure to Validate the Debt Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), furnishers must provide verifiable proof of the debt upon dispute, which U.S. Bank has failed to do. 
Furnishing Inaccurate Information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits the reporting of inaccurate or unverifiable information. 
Failure to Conduct a Proper Investigation 15 U.S.C. 1681s-2 ( b ) requires furnishers to investigate disputes before verifying data as accurate. 

Requested Resolution : Immediate removal of this illegally reported business account from my personal XXXX report. 
Written confirmation of its deletion. 
An investigation into U.S. Banks unlawful reporting practices. 

Noncompliance may result in legal action. 

Sincerely, XXXX XXXX