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

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine.This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.
Product: Credit card

I am disputing the collection account with KIKOFF LENDING , LLC, account number XXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that KIKOFF LENDING , LLC, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

Ford motors placed a 30 day late on my all 3 credit bureaus THERE APP WAS NOT WORKING I HAD SIGNED UP FOR AUTO PAY THEY NEVER LET ME KNOW IT WASN'T WORKING I HAD BEEN DOING PAYMENTS BY PHONE. WHEN I GOT BACK IN TOWN I FIXED EVERYTHING I have had an impeccable payment history with 4 for more than 30 years. There was no courtesy extended there was no help of any kind
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my credit report and realized I had several accounts reporting on my credit files that don't belong to me. I have zeros knowledge how these fraudulent accounts got on my credit file. 

1. XXXX XXXX Account XXXX 2XXXX XXXX Account XXXX 3.XXXX Account XXXX 4.DeptedXXXX XXXX 5XXXX Account XXXX
Product: Checking or savings account

This is my third situation dealing with incorrect minimum account balance fee logic at Citibank with their former Citibank Gold ( now Citibank Priority ) product. The prior two occurrences have been solved in person at branches whereupon staffers expressed confusion as to how their systems calculated a simple fee incorrectly. I no longer reside in an area with Citibank branches and support over the phone was unable to process the refunds with their interface. 

Here is a sample of what is occurring with my account. The minimum average daily balance is {$50000.00} : Starting balance, XX/XX/XXXX : {$52000.00} Minimum balance in XXXX : {$52000.00} Ending balance, XX/XX/XXXX : {$52000.00} Minimum balance fee, XX/XX/XXXX : {$30.00} Citibank is obviously not computing minimum balances correctly given the above. Fees appear to be automatically charged with no way for agents to fix them. 

I have also noticed that when fees are refunded due to being incorrectly charged, the minimum balance calculation does not get credited appropriately. For example : XX/XX/XXXX : {$50000.00} <- validated in person as sufficient balance for XXXX XX/XX/XXXX : - {$30.00} <- fee determined to be invalid in person XX/XX/XXXX : + {$1.00} <- interest payment XX/XX/XXXX : {$49000.00} XX/XX/XXXX : - {$30.00} <- second fee determined to be invalid in person XX/XX/XXXX : + {$60.00} <- refund of two invalid fees XX/XX/XXXX : + {$1.00} <- interest payment XX/XX/XXXX : {$50000.00} <- entire month > $ XXXX if not for invalid fees XX/XX/XXXX : - {$30.00} <- new invalid fee, entirely charged due to other invalid fees The staffers on XX/XX/XXXX confirmed to me in person that a fee would not be charged on XX/XX/XXXX. Given that they were incorrect, it would seem Citibank is not capable of actually performing intended consumer refunds. 

In my case, I would like six months of fees refunded, for a total of {$180.00}. 

Given the scale of Citibank, aggregate affected accounts could mean millions of dollars per year in invalid fees nationwide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid and closed this account with the manager of the XXXX XXXX store when this account was due. I have also contacted XXXX XXXX numerous times to request this error be fixed. When I have spoken with the agents, they were rude, abrasive and would not even look into the account because it was closed. I have also contacted XXXX and TransUnion multiple times and requested they send the information they used to report this account as late, XXXX and TransUnion only sent me a statement that the account was verified. How could the account be verified when TransUnion reports the account as 120 days late and XXXX reports the account as 150 days late? Especially when the account was not even late? 

Also, how can you possibly be 120-150 days late in the last month when there are only 30 days in a month? Additionally, TransUnion and XXXX are not even reporting this account number correctly! So how can this account have been verified? ( See Attachments ) This seems ridiculous that they can report whatever they want and dont even have to provide the information to substantiate what they are reporting? Seems like there would be laws against that? 

Account : XXXX
Product: Debt collection

I have been disputing the following debt " CREDENCE RM '' aka " XXXX XXXX XXXX XXXX  '' for over 120 days and have sent 4 rounds of dispute letters stating that the unverified items is in violation of federal law and is being reported incorrectly on my credit report. They have yet to show or provide me with any proof that this debt belongs to me. The first dispute was sent out on XX/XX/XXXX the second rounds of disputes was sent out on XX/XX/XXXX, the XXXX on XX/XX/XXXX and the final dispute was sent out on XX/XX/XXXX.
Product: Consumer Loan

XXXX, a division of Suntrust Bank, offered low interest rate for used private auto loan. I applied online, specifically choosing auto loan. They contacted me with a few follow-up questions, and soon after denied my loan, referring me to some other company. When I inquired why I was never asked what vehicle I was buying, they told me it was an unsecured loan application. I 'm not disappointed that I was denied. I 'm angry because they misled me and dinged my credit report. I was not looking for an unsecured loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 1681 c. ( 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, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following account. Block and remove them. 


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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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: Mortgage

We paid the mortgage as usual every month, {$1600.00}. We reached out to Shellpoint Mortgage as we received a letter in the mail saying our mortgage wasnt paid by XX/XX/2024 so a late fee has been applied. We paid on XX/XX/2024 then online shows that on XX/XX/2024 the fees were reversed. We more sufficient funds in the bank. We sent Shellpoint Mortgage bank statements for XXXX to show that payments were made to the mortgage and we never received the {$1600.00} back in our bank account like they claimed we did. XXXX called Shelllpoint on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and theyre claiming the money was returned because we were ahead of payment for the mortgage yet we are being charged multiple late fees. We asked for proof to show that they returned the money to our bank account along with confirmation number but they said we would need to dispute with our bank. I dont understand how they returning the money to unknown location and late fees being charged to my mortgage has anything to do with my personal bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX ACCOUNT NUMBER 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 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

placed in debt collection without proper written notice as per consumer protection laws collection service called but no written info until filed inquiry with consumer protection. it is difficult for me to converse on phone due to medical condition. plus to many phone scams. I need my credit report cleared or at least assurance that it will be cleared written and mailed to me, also did not receive copy of original complaint all I received from collection is a copy of a 14 year old contract I need current info from original deters contact info name fax number etc. also would need info on total amount was arrived at that I owe not just a statement but actual numbers so I can make sure this does not happen again. to put it in simpler terms who are you sending the money to when I pay you. look forward to resolution. will be un able to communicate for a few days medical treatment thanks
Product: Mortgage

Summary : We went to Citizens ' Bank for a mortgage to buy our first home. The Mortgage Loan Officer initially promised us a 4 % mortgage rate. After we agreed to it, he later said the best he could get was a 4.125 % rate and that he would lock us in at that rate. After that, less than 4 weeks before the closing date, he said that he had not locked us in at 4.125 % and that he could only get us a 4.25 % rate.
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This was a bait-and-switch, as he twice clearly promised us a lower rate only to re-neg on it as we got closer to the closing date of the home purchase.
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Chain of events ( all dates in 2017 ) :  XX/XX/XXXX  - My wife and I get a pre-approval from a Citizens ' Bank Mortgage Loan Officer ( MLO ) to make an offer to purchase a home. The pre-approval rate is 4.125 %, but the officer says he is sure he can get us 4 %.
3/6 - Our offer is accepted.
 XX/XX/XXXX  - We send the MLO all requested documents to process the loan.
 XX/XX/XXXX  - MLO calls and informs me that he could not get the 4 % rate he said he was sure he could get, and that he could get us a 4.125 % rate with some lender credits to make up some of the difference. We decide to continue with the mortgage process. XX/XX/XXXX  - Bank sends us a letter stating that our rate will be 4.25 %. I emailed the MLO to ask what happened, as he had previously said he had locked us in at 4.125 %. He said that he had been unable to get the 4.125 % with my credit history ( which is excellent, my credit score is 750+ ).
 XX/XX/XXXX  - MLO asked for my wife 's credit history to see if that would get us the lower rate. He later emailed saying that her credit history would definitely get us the 4.125 % mortgage.
- This should n't have been necessary, as he told us that he had locked us at 4.125 % without my wife 's credit history, but we continued because the closing date (  XX/XX/XXXX  ) was approaching soon and we did n't want to switch banks.
 XX/XX/XXXX  - Over email, MLO again confirms that we would be getting the 4.125 % rate.
 XX/XX/XXXX  - MLO asks me to change my wife 's status on our credit card from " Authorized '' to " Joint ''.
 XX/XX/XXXX  - MLO asks for my wife 's   XXXX   and  XXXX  W2s. We provide them.
 XX/XX/XXXX  - MLO emails and says that he was unable to get the 4.125 % rate that he had promised and that we would have to take a 4.25 % rate. The closing date was scheduled for  XX/XX/XXXX , so this was just under 4 weeks before the closing date.
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After this, I complained to the branch manager, asked the seller to move the closing date back and began negotiating with other banks. Based on the above chain of events, I did not trust the Citizens MLO to accurately give me a loan rate, and we finished the mortgage with a different bank.
Product: Credit reporting 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX IN # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX 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

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 
Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX IN Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

Dear Sir, I have filed a police report for fraudulent remarks on my XXXX, XXXX, and TransUnion Credit Reports. I have also sent them two letters, demanding proof that these accounts are mine. I requested to see proof of my signature, that ties me too these negative remarks. These accounts are as follows ; XXXX : XXXX, XXXX XXXX and XXXX XXXX  accounts. XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TransUnion : XXXX XXXX, and XXXX XXXX. They continue to state that these accounts, have been verified. Yet, the have not supplied me with any supporting information containing my signature. I am asking for assistance with the CFPB, in resolving this matter. I thank you in advance! 
XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Account Name : XXXX XXXX, with Account Number : XXXX has violated my rights in multiple ways! 

I've received a letter in the mail from them saying that they have verified my information, but it is COMPLETELY wrong according to my credit report. The FCRA : 15 U.S. Code 1681s2, states that A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

15 U.S. Code 1681b States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have not given XXXX  XXXX written instructions to put this on my credit report, nor do I have a contract with XXXX XXXX ( which I've requested to see and have yet to get ) This is the same company XXXX XXXX XXXX ), that the CFPB filed a federal complaint against and WON! 

It is not fair that these people keep calling, harassing me and impacting my credit in a negative way with their false information. It is also illegal according to my lawyer, as well as the FCRA. 

XXXX has deleted this and I would like for Transunion and XXXX, to do the same due-diligence and delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding numerous violations of the Fair Credit Reporting Act ( FCRA ) and other related laws, which have significantly impacted my financial well-being and peace of mind. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you will enforce the legal protections afforded to consumers like me. 

These violations have been carried out by multiple creditors and have resulted in severe damage to my credit profile. The consequences have been far-reaching, affecting my ability to secure loans, housing, and even employment opportunities. I understand that the purpose of the FCRA is to ensure fair and accurate credit reporting, and I implore the CFPB to ensure that these laws are enforced to protect individuals like me from unjust treatment. 

The violations I am disputing are as follows : 1. Unauthorized Inquiries : - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX XX/XX/XXXX ) - XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) 2. Inaccurate Reporting and Unverified Accounts : - XXXX XXXX  ( Account Number : XXXX ) - XXXX ( Account Number : XXXX ) - XXXX  XXXX ( Account Number : XXXX ) - XXXX ( Account Number : XXXX ) - XXXX ( Account Number : XXXX ) - XXXX XXXX XXXX ( Account Number : XXXX ) - XXXX XXXX XXXX ( Account Number : XXXX ) Furthermore, incorrect personal information has been reported, including incorrect previous addresses. 

The emotional toll this situation has taken on me can not be overstated. The constant stress and XXXX  of being unfairly judged based on inaccurate and unverified information have caused sleepless nights and a constant feeling of hopelessness. I have even lost out on job opportunities due to the tarnished credit profile that these violations have created. 

I kindly request that the CFPB thoroughly investigate these violations and enforce the necessary actions against the involved creditors. Specifically, I demand that the unverified accounts mentioned above be removed from my credit report as they are damaging my financial credibility without proper validation. 

I am confident in the CFPB 's commitment to consumer protection and fair credit reporting, and I am hopeful that your intervention will provide the justice I deserve. 

Thank you for your attention to this matter. I have enclosed copies of relevant documentation to support my claims. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove these items from my credit report, XXXX. XXXX, {$4600.00}. XXXX. XXXX, {$550.00}. XXXX. XXXX, {$3500.00}. XXXX. XXXX, {$2200.00}. XXXX, $ XXXX. {$2700.00}, XXXX. {$300.00}, XXXX XXXX. {$1200.00}. XXXX XXXX XXXX. {$21000.00}, XXXX {$2500.00}.