23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

i received a letter from Citibank saying that they will close my account for some reason, I have done my banking with them for over 15 years with direct deposits and bill pay. I called to find out why and was advised to go a branch and was not given a reason why. all I needed is to know the reason behind the decision decision to close my account. I have not done any wrong doing, there are bank institutions wanting my business ... ..no wonder they are called " XXXX bank '' ..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not properly looking at the information on my report and is not making XXXX XXXX XXXX  XXXX properly and correctly provide sufficient information. This negative reporting account XXXX is not my account but the XXXX is. Experian has not been helping when I requested a re-investigation they are not re-investigating they are only going by the outcome from 5 years ago and it is not fair. This information on my report is not correct and its affecting my report! 

I took out a loan with XXXX XXXXXXXX some years back on a car that I had already owned! A XXXX  XXXX XXXX which was {$5000.00}. The loan was paid in full and I received proof of payment and the title. The problem is XXXX XXXX is damaging my credit report with all three credit bureaus as if I took out two separate loans with them and I only had one EVER! One account is showing under account number XXXX and the other is showing under XXXX. They are reporting one correct in good standing no late payments, then the other they are reporting 120 days late WHICH NEVER happened this error is under account number XXXX. 

I have disputed this several times and XXXX XXXX XXXX XXXX is refusing to view their records to see their mistake to correct it, they are only seeing that I did have a loan and reporting it as accurate. I have reached out to XXXX XXXX by phone and certified mail to correct this. When I called I was informed by the rep with XXXX XXXX that my account was never 120 late, which I knew. She provided me with their reporting department address. I sent them certified letter with proof with no response! I even emailed and to the CEO and still no response!
Product: Debt or credit management

In XXXX and XXXX of XXXX  my mortgage payment was deemed as late. There was an error because funds never were taken out of my account.I had to call and tell responders to take money out of my account. And my payment was late XXXX months in a row because of this. 

Also in XXXX, XXXX, and XXXX of XXXX  this happened again. So I moved payments to another account. Because of this ongoing issue.
Product: Checking or savings account

XX/XX/XXXX suspected fraud activity inquiry dateXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Thank you for your time to REMOVE some of the items in my file that resulted from an incorrect credit report details but I still have ITEMS left that needed to be removed. I noticed many items which opened without my permission. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to incorrect credit report entries. The dispute items opened without my authorization. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are addresses on my credit report that are not my addresses and they need to be removed along with any debt collections associated with these addresses.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor AFFIRM INC ( Account Number XXXX ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy and 15 USC 1681 section 604a section 2 its also states an consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
On XXXX credit report.
Product: Debt collection

My son was taken to the hospital by his mother XX/XX/XXXX of XXXX. At that time my son was also covered under his mothers health insurance. A bill was sent out under my name ( XXXX XXXX ) mistakenly instead of his mothers ( XXXX XXXX XXXX ) on behalf of XXXX XXXX Medical Centers mistake. This has not been their first mistake before. My sons mother was XXXX  from XX/XX/XXXX through XX/XX/XXXX. Every medical bill was sent in his mothers name entirely always until he was placed in my custody XX/XX/XXXX and was placed under my medical insurance. XXXX medical center mistakenly put my name on the bill and was sent to collections and I was not aware until it hit my credit report and seen this beginning of XXXX. I filed 3 disputes to 3 credit bureaus whoa re investigating it. I reached out to XXXX medical center of XXXX Ohio and said they would transfer the bill into my sons mother name but can not do so  now that the bill was sent to collection. So now here I am almost a 800 credit score never missed a payment in my life and fighting to a bill that was not mine, if it was I would have taken care of it. XXXX Billing department told me that whoever brings in the child is billed, they told me my sons mothers name was on file who brought him in and should have been billed on. I came shortly later and payed the emergency room bill to help provide for my son. So my credit score takes a 100 point deduct and Im left to bare of that why? I find this very wrong and I dont care for the bill I will take care of it if I have to but I want my credit report and score fixed. I should not have been held accountable. Someone please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX, XXXX Account XXXX : XXXX  XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX, XXXX XXXX Account name : XXXX XXXX XXXX  XXXX Account name XXXX XXXX XXXX XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Ranlife is reporting lates to you on mortgage account XXXX, there are no lates on this account. Ranlife changed the servicer from XXXX XXXX to to ranlife in XX/XX/2020 and closed the XXXX account, See the following documents : Record of my payments to this account vs Ranlifes record.copies of my bank account showing payments in XXXX and XXXX12months, XXXXthrough XX/XX/2020 of my bank account records showing on time payments.A dispute I made with the CFPB about this inaccurate record XXXX ... XXXX Ranlife did not reply. Ranlife actually changed the loan servicing from XXXX XXXX in XXXX XXXXI am disputing Ranlifes record made to XXXX, XXXX  and XXXX as it is inaccurateand damaging. I have contacted Ranlife about this but they have not taken any action.Additionally an additional payments was made in XX/XX/2020 and ranlife collected additional fees that I want restitutionfor. 
Thank You, XXXX ( please reply via email ) XXXX XXXX XXXX
Product: Credit card

A few months ago, some department at Bestbuy credit card deactivated my credit card without telling me any reason. I have been paying off my debts. It can not be because of my credit, so I wont talk about that. What's even more disgusting is that they recorded my past due situation directly in the file of the XXXX XXXX XXXX, causing my credit to drop inexplicably. No one ever told me why I deactivated my credit card, and no one told me that my credit card debt was recorded in the XXXX XXXX. This is ridiculous! I can not accept it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

CNAC continues to contact employer for debt of employee. Has been asked each time to stop contacting corporate office.
Product: Debt collection

This company has called me several times a day almost every day for the past few weeks. I finally received a letter from them onXX/XX/XXXX. I responded, asking for verification of the debt. I also asked that they not contact me until they validated the debt and that once I received their response, I would need 30 days to evaluate it. I sent this letter certified mail. The tracking number says they received the letter on XX/XX/XXXX at XXXX XXXX. However, that same day I received two phone called from them, at XXXX XXXX and XXXX XXXX
At no time have they ever left a voicemail. This makes this more an attempt at harassment than an attempt to collect a debt.
Product: Debt collection

LNLV funding is fraudulently representing themselves to credit reporting companies as still having the legal right to pursue and report on a debt they already sold. The oringinal lender of the account is XXXX  XXXX XXXX, LNLV funding bought the account on XX/XX/XXXX. On XX/XX/XXXX I was contacted by XXXX XXXX XXXX in regard to the same debt that was previously owed to XXXX XXXX XXXX stating that they bought the account. Only one debt collector may have the right to report and pursue collection of the same debt per the fair debt collection act. If LNLV funding has indeed sold the debt they also sell the right to pursue collection of that debt and therefore should not be reporting ANY owed amount to any credit reporting company as they no longer have the right to pursue collection. They are still reporting to XXXX that they own the debt and have the right to pursue debt collection.
Product: Credit reporting or other personal consumer reports

Complaint against EXPERIAN for violation of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EXPERIAN for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Termination : XX/XX/year> ( R ) XX/XX/year> ( R ) I previously filed a dispute with EXPERIAN regarding inaccuracies on the above-referenced account. Despite my providing evidence supporting the inaccuracies and requesting their removal from my credit report, EXPERIAN failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected by the Fair Credit Reporting Act, I have the right to request removal of inaccurate or outdated information from my credit report. EXPERIAN 's failure to comply with this law is a violation of my rights as a consumer and has caused me harm and financial distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EXPERIAN for its failure to comply with the Fair Credit Reporting Act. I request immediate removal of the inaccurate account information from my credit report and appropriate action to ensure that EXPERIAN complies with its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX
Product: Student loan

My student loans were in an IBR program. I was not given the date when I would need to resubmit an application for the IBR program. I also did not receive any communication that a payment was due until my loans were close to defaulting. When i finally got approved for a new IBR program, i started getting emails about past due status and informing me tgat i could reply to tge email for a forbearance after i had already been approved for an IBR. I also got a letter in the mail for the first time stating that i was about to default on my loans. XXXX was also after i had just been approved for the IBR program. This resulted in receiving more than XXXX late payments on my credit report which I recently checked about two weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXXXXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I am no longer with this company my loans were transferredXXXX XXXX wont update that my balance with them is {$0.00}. I no longer with them but they refuse to update information to credit bureau. When I speak with several representatives and supervisors no one does anything but tell lies like it will be fixed. My account was closed in XX/XX/2021 ALL my loans are transferred and with another lender. Please update this Balance XXXX to {$0.00}. They are not doing their job I have done dispute after dispute after dispute. I have a new lender please update this balance my balance is already with another lender XXXX
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX i repeatedly asked them to update my account because my payment was never late. they ignored my request
Product: Debt collection

I am registered with XXXX credit alert in which I see as of XX/XX/XXXX this debt collector named Diversified Adjustment representing XXXX for the amount of {$910.00} never notified in me in any form of this alleged debt that I do not owe. I am completely outraged that this is now showing up on my credit report without proper notification and allowing me to dispute this debt accordingly. I will attach documentation shown via XXXX on my credit report proclaiming that I am 30 day past due. I never opened and or know of this company. I have dispute previous collectors such as XXXX XXXX, and XXXX XXXX who purchased this alleged debt back last year and removed it because they could not verify and provide proof to me via mail as I demanded and is entitled to. I am demanding that an investigation is carried out on both the collection agency and XXXX for failure to properly investigate this matter before applying within my credit profile. I am working diligently on my profile and will stop at nothing to protect my rights as a consumer. I will also enclose previous documentation from my previous disputes regarding the same debt and same amount that has yet to be determined it's my debt. Your attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Hello, I received 2 emails from a company called " Chime '' that said they created an account. I decided to change my password because I was afraid of someone opening an account under my name. Today I received an email from Chime saying they are sending out a debit card. The address on file is one I lived at 7 years ago. 

I am going to call them and have them cancel the account, but I never authorized the creation of this account or asked for them to send a debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I recently received a copy of my Equifax credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Pa XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX and 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.