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

I sent the letter below to all 3 credit bureaus. XXXX, Equifax, and XXXX has yet to get back to me with an answer. It has been over 30 days. I would like to have these negative items removed from all 3 of my credit reports. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Car loan was opened without my consent or authorization under my name and personal information. I contacted the business that authorized and provided an individual a vehicle under my name without authorization. JPMCB Auto I contacted them several times I asked for surveillance cameras, contacted better business bureau, made police reports. The auto business arent doing anything about it also they are trying to cover there selves. I want this loan removed off my credit report XXXX XXXX XXXX XXXX XXXX Thank you for your time.
Product: Mortgage

On Monday XX/XX/year> I sent the following email to BSI Financial Services through their online portal and also to XXXX : " Hello, Today XX/XX/year> at XXXX XXXX  EST I spoke on the phone with XXXX whose agent number is XXXX. XXXX informed me that BSI Financial Services is reversing the charge of {$81.00} in late fees that I was made to pay by verbal request by mistake and without a statement. XXXX assured me that the unapplied funds that have been sitting in my account since making my on time XXXX payment will be applied to my account within the next 2 to 3 days. These actions will make my account current and up to date without any adverse actions taken toward my company credit, personal credit, or investment property. I have also sent this email through the BSI Financial Services web portal. '' Although I received an automated response confirming that BSI Financial Servces received my message, I have not gotten a response from a human. BSI Financial Services, please explain why I have not received a timely emailed response to my email from a human.
Product: Credit reporting or other personal consumer reports

I am writing to report unauthorized credit inquiries on my credit report and request their removal, as I have been a victim of identity theft. The following inquiries were made without my knowledge or consent : XXXX XXXX on XX/XX/XXXX XXXX via XXXX on XX/XX/XXXX I have already taken steps to secure my identity and prevent further fraud. Please advise me on the necessary steps to dispute and remove these inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to once again dispute certain unauthorized inquiries that continue to appear on my credit report, despite my previous attempts to address this issue. Despite my repeated disputes.

I have previously disputed these inquiries and provided evidence to support my claim that they are unauthorized. However, it appears that the inaccuracies persist, which is concerning as these unauthorized inquiries can negatively impact my credit score and financial reputation.
Product: Credit reporting or other personal consumer reports

Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXXXXXX XXXX for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXXXXXX XXXX. Under the CARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law. 

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXXXXXX XXXX about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have no knowledge of this account, I lived abroad my whole life until I recently got engaged in XXXX. I was born in XXXX, FL and only have lived in XXXX, XXXX XXXX and now in XXXX, Texas. I do have siblings this could of been XXXX of my brothers or cousins since I am the youngest of the bunch But I personally did not open this account.
Product: Credit card or prepaid card

New Citi card that I ordered was compromised by an email hacker who also Hijacked my email account. Citi says they w ill send new card  XXXX  by mail and I would have it in a couple of weeks. I then asked that a new card be sent by overnight mail. They said they did that o n 3 differe nt occasions during the week of  XXXX   XXXX  to  XXXX   XXXX ,   XXXX  . Citi has issued  XXXX  different cards during this time frame in my name and not sent the card to me. I have received no statements at all from  Citi. I am una ble to determine what charges have been made to any of the  XXXX  cards or accounts opened in my name.
Product: Checking or savings account

I had my XXXX deposited to my PayPal account. That was XX/XX/2021. They have since not let me withdrawal it and at first told me to wait 180 days. Its way over 180 days and Im still waiting and they told me to wait till I receive an email anytime between now and 20 years from now. I have over XXXX in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding my XXXX XXXX card. It is currently active and I use it monthly. It reads closed on my credit Report. I have asked both XXXX XXXXXXXX and experian to correct this. Card was never closed on XX/XX/2020. I am trying to qualify to buy a house and need to show more open credit. I also don't want it to appear as a newly opened card that will not help my credit.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Name : XXXX XXXX XXXX Birthday : XX/XX/XXXX Ssn : XXXX My address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom This May Concern, I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Original creditor XXXX  XXXX  XXXX XXXX XXXX XXXX Original creditor XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX  THIS ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF THIS WHATSOEVER XXXXam unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTINGACT section 623 ( a ) ( 3 ), and Iam keeping CAREFULrecord of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. Iwill be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, Imay be detailing any potential issues with your company via the XXXX XXXX XXXX along with an online public press release, including documentation of any potential small claims action. 
*Please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter, XXXX XXXX XXXX
Product: Debt collection

Hello XXXX XXXX  XXXX I have been having an issue with XXXX. I started new service in XXXX and received XXXX new XXXX - there was a promotion to get {$800.00} credit for each used returned XXXX. I sent in XXXX XXXX XXXX for a credit of {$1600.00}. Since we did a change of responsibility on the original account ( as the store manager instructed me to do )- they took the credit off my new account. I have spent so many hours on the phone with XXXX to get this resolved. I was also instructed to go into the store where I opened the service- the manager is NOT getting back to me. 
XXXX acknowledges receipt of my old phones and the keep promising me a resolution and for a manager to call me- which obviously as not happened. 

I told them I WILL NOT be paying this bill - since they took my phones worth the {$1600.00} credit. ( If I had the old phones - I could at least sell them ) They have tried to charge this to my XXXX XXXX card twice ( both times I disputed the charge and XXXX backed me up ) I was promised a call back on Monday XX/XX/XXXX. If I do not receive a call resolving this matter - I will seek legal action. 

Please stop collection on this debt and do not report this to credit agencies - I am doing all I can to resolve this with XXXX directly. 

Thank You.. 
XXXX XXXX
Product: Credit card or prepaid card

I contacted the customer service representative At Citibank on XX/XX/XXXX and requested a reallocation of my credit limit from one credit card to another of my Citibank credit cards. All of my personal security information was provided to the agent before she proceeded. She initially insisted my request was not doable but then she asked that I hold on to allow her to confirm that her response was correct. At this point, we were disconnected and when I called back and explained to a different agent about my dilemma he explained that Citibank policy dictates that agents must close out an account if they are disconnected from the cardholder. To me that is preposterous and I asked if the account may be reopened because I had the account since XXXX with a credit limit of $ XXXX. To add insult to injury, he said the account may be reopened provided he initiate a hard credit pull. I told him not to proceed with a hard pull because I did not authorize the close out and I Citibank should reverse the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion were XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA, XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX CA, XXXX ; XXXX XXXX Ct, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX Av, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX - XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX
Product: Checking or savings account

I have multiple business accounts closed by Bank of America in XXXX XXXX. Because my account was hacked 3 of our accounts and someone made a lot unauthorized wire transfers. BOA traced back those wire transfers and told me due to security reason they decide to close all our accounts. 

After account closed, we have two more transactions occurred, one is card payment refund $ XXXX. Second one is XXXX XXXX loan around {$750000.00} at XX/XX/XXXX. We already emailed XXXX that we changed bank account before, but XXXX still send money to our old BOA account. 

Ok, I start to a long journey to contact BOA to ask them release those fund. In the first I went to local BOA branch and banker told me they can not do anything and they have to call back office to see that found is returned back to XXXX or cleared by BOA. 99 % will return back to XXXX. Because my account was closed. But XXXX days later I can still see the amount is in my account. I keep calling BOA, the account closing department is the only department in-charge this kind of case. They told me those found is already cleared and right now is in BOA 's account. But I can not use it or withdraw it because our account status is closed. The only thing they could do is submit to close our account again and bank will issue cashier check automatically to our office. The estimate closing date will be XXXX. XXXX XXXX. 

I have no choice only wait. When I called XXXX. XXXX, they tell me the closing date changed to XXXX. XXXX. At XXXX. XXXX, it changed to XXXX XXXX. At XXXX. XXXX, it changed to XXXX. XXXX till today... almost 2 months. Again and again, BOA have no any explanation for why they hold our money for so many days. Just told me only the back office can approve fund release and they have not response my application at all. No one have their contact information inside BOA system. No one can get contact with back office. No one can give us a certain closing date. No one can take responsibility for the XXXX loan delay. We have to pay interest for the loan and BOA definitely will not pay the interest for us. 

On XX/XX/XXXX, BOA added - {$880000.00} on my account, still not issue cashier check. Like every time, no one could tell me what's going on and when will they close this account. 

BOA just kept those money does not belong to them and give XXXX to their client. I searched online for how to sue a bank like BOA, but unfortunately, no I can't, because of there some rules in agreement signed when everyone open account. I have nothing to do with XXXX fund in BOA, that fund is for save our company but now I can not touch it. I know this kind of things are not common to each business checking account. But for our business, those fund could help us a lot. I have no idea when we could get it.
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 is the list of accounts/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I was applying for a flex loan on my Citibank credit card. I had an offer of a 6.99 % APR with an option of selecting a payment term of either 48 or 60 months. I saw this offer by the end of XXXX. On XX/XX/XXXX, the offer was 8.99 % APR and only a 60 month payment plan. When I called Citibank, they stated that the promotion is over and that there is nothing they can do. This is unethical and deceiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transition and XXXX allowed XXXX to continuously report inaccurate information for several months including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. When I asked to have the information verified they did not properly verify the information and continued to allow in accurate info to be reported violating my right to a fair and accurate credit report. They allowed XXXX to continue to change the dates, and balance and statement of a collection with inaccurate information with the most recent being XX/XX/XXXX. The statue of limitation ran out on the account so XXXX reported the account with a new opening date of XXXX of XXXX when the initial account was report 2 years prior and settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to purchase a used car. On the morning ( Eastern Time ) of XX/XX/XXXX the dealer informed us our credit report was blocked. After the Equifax security breach fiasco we used the Equifax block feature, so I went to the XXXX  website and clicked on unlock ( later the morning of XX/XX/XXXX ). This morning ( XX/XX/XXXX ) I called Equifax customer care at XXXX, I clarified I had seen the " Please allow 48 hours  to process your request '' notice ( see screenshot ), but was requesting they go ahead and remove the block so I could purchase the car today. 

We later checked with the dealer and they said our credit was still blocked, indicated no data was being provided. I called Equifax again to ask what was going on. The representative told me it would take 30 days, so I requested to speak with their manager. The manager confirmed credit was unblocked and in fact, saw the dealer had pulled my credit that morning. The manager suggested I pull my own credit, I did and indeed saw the dealer name with today 's date at the top of the inquiry list ( see screenshot - I partially obstructed the dealer name, because this shouldn't be their fault and don't want negative publicity as a result of this complaint ). 

I called back the dealer, they checked again and said no credit data was available. They also clarified they saw this issue a lot with other sales, it indeed takes several days for credit block to be " fully '' removed. The Equifax FQA section states the unblock should be near realtime ( see screenshot ). This a extremely frustrating process and I understood the credit bureaus were mandated by the government to make this process reasonably efficient for consumers.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX, Transunion XXXX XXXX XXXX reporting agencies regarding their handling of my recent credit dispute. XXXX has failed to comply with the Fair Credit Reporting Act ( FCRA ) in several ways, resulting in continued inaccuracies on my credit report. 

Issues at Hand : 1. Dispute Denial Without Proper Investigation : XXXX denied my dispute without conducting a reasonable investigation as required by FCRA Section 611 ( a ) ( 1 ) ( A ). I have never signed or submitted any documents that misrepresent the information, yet my dispute was rejected without adequate justification. I never signed anything saying it wasnt fraud either I was never notified at all 2. Illegal Re-Insertion of Disputed Accounts. XXXXXXXX XXXX XXXX XXXX  XXXX accounts These disputed account where removed but subsequently reinserted without proper notification, violating FCRA Section 611 ( a ) ( 5 ) ( B ). This section mandates that if an account is reinserted, the consumer must be notified within five business days, including the name of the furnisher and the reasons for reinsertion. I did not receive any such notice. 

Legal Implications : XXXX actions are not only in violation of the FCRA but also have caused significant damage to my credit standing. As outlined in FCRA Sections 616 and 617, XXXX is liable for willful and negligent non-compliance, which can result in damages, including actual, statutory, and punitive damages, as well as attorneys fees. 

Desired Resolution : 1. Immediate removal of the inaccurate and disputed information from my credit report.

2. Written confirmation of the removal and a detailed explanation for the mishandling of my dispute.

3. Assurance of compliance with all FCRA regulations in future interactions. 

I am requesting that the CFPB intervene to ensure XXXX rectifies this situation and adheres to the legal standards set forth by the FCRA. Their non-compliance has negatively impacted my financial well-being, and immediate action is necessary. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX