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

XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Last Verified : XX/XX/2021 Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence I reported this as not my account and ask them to send me verification and they did not provide the information.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card

My brother XXXX XXXX had a CitiCard credit card. He died on XXXX. I am the trustee of his XXXX. I reasonably canceled the card on XXXX, but at that time CitiCard did not inform me of the number of unclaimed rewards points, and did not tell me that by canceling the account, CitiCard would consider the points " forfeited. '' On XX/XX/XXXX, I spoke with a CitiCard representative about cashing out unclaimed rewards points. She requested I send them information about the account, which I did, but would not tell me the value of the unclaimed points nor about their " forfeiture : policy. I mailed them the information requested ( CitiBank Card Consumer Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they sent me a letter saying the rewards points were " forfeited '' by closing the account. I wrote them an appeals letter on XX/XX/XXXX and got no response. On-line I found a CitiCard " ombudsman ( XXXX XXXX XXXX XXXX XXXX wrote to appeal the decision. It appears to be an office in XXXX. They have basically engaged in a run-around strategy of claiming they are " unable to trace the credit card number, '' which is nonsense. I suspect there are several XXXX XXXX  worth of unclaimed rewards points, because my brother also had a XXXX XXXXXXXX XXXX which had that value of unclaimed rewards points. And after I canceled that account, XXXX reached out to me and sent the Trust a check. In my opinion, CitiCard is engaging in deceptive business practices to avoid cashing out those rewards points to the Trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are not mine and I am not aware of these accounts FTC FCRA violations 15 USC 1681 C-2, 15 USC 1681 C-1. I have previously provided FTC reports to the bureaus and they have failed to provide verification and delete accounts that do not belong to me. 
XXXX XXXX acct # XXXX {$150.00} XXXX XXXX XXXX Acct # XXXX {$650.00} XXXX XXXX acct # XXXX  {$2400.00}
Product: Credit reporting or other personal consumer reports

Today I was working with my bank ( XXXX  ) to see if I qualified for a personal loan. The bank manager called and said they needed me to unfreeze my credit report with the three credit bureau 's so that they could pull my credit. When I went to Experian 's website to log into my account it kept saying my information was incorrect and I knew I was typing it in correctly. After a few times I clicked on the option " try another way '' and when I put in my social security number and birthdate another screen popped up and said " we have sent your username to the following email address XXXX. '' I instantly realized that isn't my email address so I called the customer service number to report the fraud. The depth of the fraud didn't hit me all at once. After being on hold XXXX various times for over 25 minutes and being hung up on the only help I received was that an escalated investigation was going start and to look for an email from Experian. I asked when " near future '' would be because this was highly concerning. They said since I couldn't provide the correct information I couldn't do anything with my own account. I just don't understand ... since XX/XX/year> I have been experiencing fraud on many of my accounts. I have received various letters that the persons involved with stealing my identity and trying to apply and open credit cards, loans, checking accounts at my local bank, and now getting into my credit reporting company to try to steal my identity. I have been trying to resolve this issue by freezing my credit report with all 3 credit bureaus and they still were able to access my information. The phone number that they changed my information to with Experian is the same phone number that was used to fill out an application online at my local bank ( XXXX  ) back in XX/XX/year>. The phone number is ( XXXX ) XXXX. I have tried calling it numerous times and it is a nonworking number. 

SOMETHING NEEDS TO BE DONE TO THESE CRIMINALS THAT ARE STEALING MY IDENTITY! THEY HAVE CREATED HAVOC IN MY LIFE!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.
Product: Credit card

I am disputing the collection account with XXXX  account number XXXX, dated XX/XX/year>, with a balance of {$0.00} 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 XXXX, 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, credit repair services, or other personal consumer reports

XXXX XXXX reported a late payment in XX/XX/2020, I've never been late on this account before or since they reported this. 

Acct number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a home loan with XXXX ( XXXX XXXX XXXX XXXX XXXX ), for which I obtained a Forbearance Plan under the CARES act in XXXX. The loan was sold to XXXX XXXX XXXX XXXX in XXXX. I received a bill from XXXX stating that the account was overdue, and I called and confirmed that the loan was still subject to forbearance, and they told me to disregard any delinquency notes on my bill since the account was in forbearance ( the latter of which it also clearly stated on my monthly bill ). Before the end of the forbearance, I signed a deferral agreement with XXXX in XXXX, and a few days later on XX/XX/XXXX the loan was paid off in full. 

In XXXX, XXXX reported the loan as delinquent with the credit reporting agencies, including Transunion, XXXX and XXXX. I contacted XXXX and they assured me it would be immediately corrected and that the account would be reported as paid off. It appeared as corrected on Transunion on XX/XX/XXXX. On XX/XX/XXXX, XXXX again reported to Transunion that the account was delinquent, despite that it was paid in full in XXXX, and despite that I received a payoff letter and Satisfaction of Mortgage from XXXX ; and up until the date of payoff I was under forbearance under the CARE Act. This has materially adversely affected by otherwise stellar credit score, and I am not able to get XXXX to effectively correct this issue with all credit agencies. This came after having trouble for days with having great difficulty obtaining a payoff letter from this lender during the sale of the property. I need help getting this lender to give attention to this matter please. 

Thank you in advance.
Product: Credit card or prepaid card

The XXXX company of discover closed my account witouth my consent. I sent the advisor to the XXXX and closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

this account XXXX is paid in full the original date it was past due makes it told old to report on my credit I have asked before for a full payment history my contract and the letter of assignment
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( LATE/CLOSED ) XXXX XXXX  XXXX XXXX Balance : {$0.00} ; ( CHARGE-OFF ) XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; ( COLLECTION ) XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX Balance : {$390.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Product: Vehicle loan or lease

On XX/XX/XXXX I executed a note and security agreement with Flagship ; I received my first statement on XX/XX/XXXX and have paid as agreed for the life of the loan. 

Flagship Credit has failed to report the tradeline whatsoever to any of the 3 major consumer reporting agencies. 

This causes me demonstrable harm as a consumer as this directly impacts my ability to access preferential consumer credit, increases my insurance rates in the State of Texas, and increases my overall finance charges in other obligations. 

Researching the numerous public complaints to the CFPB, reviews on public aggregators, and the XXXX  show Flagship does have a history of reporting to CRAs but fails to so for many consumers. 

By positively establishing they have the ability to report and showing pattern of reporting for some, it suggests they lack a robust internal process to do so and thus as consumers we are harmed as a class by their negligence in what is a standard & expected industry practice the regular and accurate reporting of a consumers performance on consumer credit products. 

Lastly, by failing to report accurately and timely information, Flagship is perpetuating a predatory system of consumer lock-in as attempting to refinance away from them becomes much more difficult when prospective vendors are unable to verify the account on a consumers credit report. This is grossly magnified since to refinance there must be demonstrable consumer benefit, the lack of reporting deprives consumers of the positive credit history they might use as a basis for favorable loan terms. Thus a consumer is burdened against refinancing away on 2 fronts : lack of positive credit history to provide a demonstrable benefit & administratively hindered by lacking the reporting basis to allow other lenders to review the tradelines performance I attempted internal remediation on XX/XX/XXXX however Flagship gave themselves 30 business days to respond which is an excessive and burdensome timeframe.
Product: Credit reporting or other personal consumer reports

I am writing to vehemently dispute and demand the immediate removal of egregiously inaccurate information on my credit report, as protected under 15 USC 1681c-2. The erroneous data pertains to an XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$1200.00} I have meticulously examined my credit report and am appalled by the blatant inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I demand an expedited and thorough investigation into these discrepancies, as mandated by 15 USC 1681c-2, with the expectation of swift resolution and removal of the disputed information. 

Enclosed herewith are supporting documents that unequivocally attest to the inaccuracies I am disputing. I insist on your immediate attention to this matter and a commitment to resolve the dispute within the shortest time frame allowed by law. 

Under 15 USC 1681c-2, I expect the investigation to be completed immediately. I further demand the issuance of an updated credit report promptly upon conclusion of the investigation. 

Failure to comply with this demand within the stipulated time frame will leave me no recourse but to pursue all available legal remedies, including filing complaints with regulatory authorities and seeking damages for the harm caused to my creditworthiness. 

I emphasize the urgency of this matter and demand your immediate compliance with federal law. My expectation is not merely a request but a demand for fast, efficient, and accurate resolution.
Product: Credit reporting or other personal consumer reports

I took a look at my credit report XX/XX/2024 and noticed some things are incomplete and no accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates. 

I sent multiple letters asking them to reinvestigate these accounts listed below because [ XXXX - XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX - XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX - XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ XXXX XXXX - XXXX XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ XXXX XXXX - XXXX XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ Late Payment - XXXX  XXXX ] Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ Late Payment - XXXX  XXXX ] Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ Charge Off - XXXX XXXX  XXXX ] Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ XXXX XXXX - XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ XXXX XXXX - XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ XXXX off - XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ XXXX XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ XXXX - XXXX XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Product: Credit card

Chapter XXXX was discharged in 2012. I did start to build my credit again. XXXX XXXX has just increased my limit from {$300.00} too {$500.00}. XXXX gave me {$700.00} which I never used, so then they dropped it to {$500.00}. XXXX XXXX XXXX gave me a XXXX XXXX, and XXXX gave me a {$2000.00} MC. While checking my score XXXX on XXXX XXXX I notice it had dropped XXXX points because I had used too much of available credit. 
XXXX XXXX recommended I apply to Chase Slate because it was a good chance I would be approved for a debt consolidation card at a lower interest rate. 
I applied and they denied my application in a letter stated " Your credit report reflects a bankruptcy '' NO OTHER REASON. 
I thought after one files Chapter XXXX they are a good risk as there can not be another discharge for 7 years. 
I believe that this is discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX  times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Debt collection

Respectfully, A lady said her name was XXXX called today said she was calling from XXXXprocollec.com  providing phone number:XXXX asked about my police report and other information files from myself that has been the victim of Identity Theft earlier. She provided me with case : XXXX as well. Her email address is XXXX I need help because I emailed police report & IdetityTheft.gov and copy of my Alabama Driver License. Please help me out since I am a totally XXXX XXXX XXXX XXXX XXXX  using XXXX. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Alabama XXXX Phone : XXXX
Product: Credit reporting or other personal consumer reports

XXXX Subject : Dispute of Inaccurate Account Information and Request for Removal - XXXX This is my third request to have this issue corrected. 

I am writing to dispute inaccurate and incomplete information reported on my credit report related to my account with XXXX  Upon reviewing my report, I have identified several discrepancies and incomplete data that violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused significant emotional distress. I am formally requesting the immediate removal of this account from my credit report. 

Issues with the Account : Inaccurate Charge-Off Reporting : The account reflects a charge-off in XX/XX/year> with a balance of {$990.00} written off. However, the account now lists a {$0.00} balance, which may suggest that the debt has been either paid, settled, or sold to collections. Under FCRA ( 15 U.S.C. 1681c ( a ) ), credit information must be accurately reported. The current charge-off status does not clearly indicate whether the account was resolved or the nature of the resolution, leaving me unable to determine the accurate status of this account. 

Incomplete Payment History : The payment history shows no activity for months leading up to the charge-off in XX/XX/year>, which is highly irregular. The FCRA ( 15 U.S.C. 1681s-2 ) requires creditors to report accurate and complete information. The absence of information prior to the charge-off suggests that payments or delinquencies may have been inaccurately reported or omitted altogether, resulting in an incomplete history. 

Inaccurate XXXXXXXX XXXX XXXX XXXX XXXXXXXX : The account lists a credit limit of {$500.00} and a highest balance of {$990.00}, indicating the account was significantly over the limit. If this over-limit amount is due to fees or penalties, it must be clearly explained in the report. FCRA ( 15 U.S.C. 1681i ) allows me to dispute any incorrect or unclear information, and the balance exceeding the credit limit should be re-examined to determine if the amount was accurately reported or if excessive fees were improperly applied. 

Failure to Update Account Information : Since the balance is now listed as {$0.00}, but the charge-off remains, there is a lack of clarity on how the account was resolved. Under FCRA ( 15 U.S.C. 1681s-2 ), creditors are required to promptly update account statuses to reflect the current status of the debt. 

Request for Immediate Removal : The inaccuracies, omissions, and incomplete data on this account have negatively affected my credit score and caused me considerable stress and hardship. The failure to report accurate and complete information is a violation of my rights under both the FCRA and FDCPA ( Fair Debt Collection Practices Act - 15 U.S.C. 1692e ), as any misrepresentation of debt or improper reporting is unlawful. 

Given these violations and the negative impact they have had on my financial well-being and emotional health, I request the immediate removal of this account from my credit report. The continuous errors have caused me significant stress and affected my ability to secure credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I was threatened to make a wire transfer in the amount of {$26000.00} from my bank account ( Bank : Bank of America ) to a fraud person claiming to be a social security agent. I filed a claim with the bank but it did nothing to help me receive my money back. I also filed a police complaint but even the police put up their hands. The Police report # is the following : XXXX. I request to please help me with this matter. That honest, hard-earned money was going to be used for a significant life goal I was trying to accomplish. I would really appreciate any help I can get. The bank is inefficient at this point in doing anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX