23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I downloaded an app to check my XXXX XXXX and discovered a loan of {$13000.00} reflected on my credit report since XX/XX/year>. However, I don't own a car and have no knowledge of taking out a loan. I've attempted to obtain a credit report from the credit union, but they failed to send it to me. TransUnion informed me that without an account number, they can not assist me. I'm reaching out to report that someone has used my identity to obtain this loan without my authorization, and I'm eager to clear my credit.
Product: Credit card or prepaid card

The company closed the credit card account. I called to find out why the account had been closed and I was told by the agent that it was because of returned payments. I reviewed the account and found no evidence of any returned payments. I explained to the agent that it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under Title 15 Chapter 41 of the US Code. Unfortunately, the agent held her position that the company would not be able to reopen the account. Knowing the regulations set forth in the Truth in Lending Act, and the Equal Credit Opportunity Act, I realized that I am being deprived of my rights. 

Due to the actions of the company, my faith is torn and I am devastated that the company would act in such a manner, given that I have been a valuable asset to the company. My family is being affected by the company actions. My wife and children are currently suffering due to the fact that we are not able to able to utilize the credits for food and other personal, family and household necessities.
Product: Mortgage

Entered in a mortgage modification with Franklin Credit Management Corp in 2011, terms : " A '' .give them {$150000.00} which I gave them, " B ''. Make XXXX payment of XXXX a month for 6 months which I did, " C ''. I was to be giving a permanent modification once A and B were completed. Permanent modifications agreement terms. {$150000.00} mortgage over 40 years with monthly payment of {$930.00} a month, balloon payment end of 40 years of {$170000.00}. Pay my own real estate taxes and home owners Ins. ( no escrow ) They are still trying to foreclose and will not honor the agreement. They now have another mortgage servicer involved XXXX mortgage servicing, XXXX new York.
Product: Credit card or prepaid card

Had a Citi Simplicity credit card. My HELOC company wrote check to PAYOFF balance. I sent in timely per bill. Checked online. Remaining balance was {$38.00}? Figured it was interest so I immediately paid it to XXXX it out. Online said XXXX. Days later a {$68.00} autopay came out of my bank. I called. Rep said it was a mistake and autopay now OFF because the balance was XXXX. I could wait for a refund or use the card to absorb the credit. Just checked. I was worried citi would continue to deduct XXXX because I had turned it off and it didnt stick. She said because it was XXXX balance no autopay would issue. Citi says I now owe XXXX by XX/XX/. So I called. The 1st rep said I was always 1 mo behind. Nonsensical. I paid the amount due each month. My credit would have suffered. My credit is good. And wasnt I on autopay? They were lying. He had no answer for how to reconcile that with a payoff of the entire balance. How do you pay off the entire balance of over {$2000.00} and then get a 1 mo behind issue? 2nd lady said I owed like $ 100+ more. But that does not explain 1. Why my balance was XXXX with my XXXX payment ( I paid the balance in full option online when I checked after my large payment posted ) and 2. The other rep saying autopay was a mistake and Id get a refund etc. Ive been defrauded out of at least {$76.00} because Im trying to close the account. I paid the {$8.00} today just to get the account closed to sever Citis ability to access MORE funds in my account. But I didnt owe any of it ( XXXX or XXXX ). The 2nd rep today said there were no notes from my discussion with the rep on Monday who said the XXXX autopay was a mistake. The lady today was clearly lying. Ive been a lawyer for 25 years. I didnt imagine my conversation earlier this week nor did I just randomly pay XXXX for no reason.
Product: Vehicle loan or lease

I got into a car accident and filed the police report at the time of the incident, I also checked into a hospital called my insurance company mad hired XXXX attorneys the second was hired because the first hired attorney did not appoint me to any services and communication was a problem. I then hired XXXX XXXX and the problem seemed just about the same. I tried several times to describe more information on the report and incident yet got no response up until the date before the arrival of the check. When visiting my old address I saw an old letter stating a {$18000.00} check had already been written and sent out to that previous address. I also lost my car after my insurance was cut off by someone other than me. The only amount given to me was {$5000.00} yet was used and transferred out of my bank account with out my permission. I also had several letters sent to me from capital one bank the original loan, it stated I had paid for the vehicle. This year I went home to visit my family and found more mail stating my vehicle was sold by a company named XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX is wrongfully reflecting delinquent payments, despite my unwavering record of timely payments. Dates XX/XX/XXXX, XXXX XXXX, and XXXX XX/XX/XXXX. It is your legal responsibility, as mandated by the Fair Credit Reporting Act FCRA, to ensure all information on consumer reports is both accurate and complete. 
I demand an immediate and exhaustive investigation into these grave discrepancies. Furthermore, I insist on being provided with irrefutable documentation, such as account statements, substantiating any claimed late payment. Should you fail to produce such evidence within the regulatory time limits outlined by FCRA, I expect a prompt amendment to my report to accurately reflect my untarnished payment history. This is in alignment with the requirements specified in FCRA Section 611. Your swift action is not merely anticipated ; it is essential.
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Account on Credit Report I am writing to dispute the following information in my credit file. The account listed below does not belong to me, and I have no knowledge of this account : Creditor : XXXX XXXX XXXX Account Number : XXXX Original Creditor XXXX XXXX  Amount {$110.00} I am requesting that the item be fully investigated and, that it be removed from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed XXXX XXXX STATUS W EXPERIAN TWICE IN THE LAST 60 DAYS I HAVE SENT SIGN STATEMENTS FROM XXXX STATING MY ACCOUNT STATUS WAS CURRENT STILL NO UPDATE N CHANGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute and the information was NOT verified and is fraudulent. They refuse to remove the incorrect information from my credit report and are causing irreparable harm.
Product: Mortgage

We bought single family house in 2006 than recession come. 
We have XXXX mortgage with XXXX and XXXX mortgage with CITI BANK. 
We had problems to pay our mortgages so after couple of years we refinanceour XXXX mortgage with no problem, but CITI refused to refinance from beginningand still refusing. Current mortgage rate is 4 %, but we still have to pay for thisvulture, greedy CITI BANK 9 %. We have still difficulties to pay mortgages and CITI BANK does not care about it.
Product: Credit reporting or other personal consumer reports

This is to follow up to request the deletion of multiple fraudulent items or inquiries on my credit report, which are causing substantial harm to my financial reputation. It is crucial to emphasize that these inaccuracies are not a true reflection of my credit history. The items claims are all disputed, as they have caused significant damage to my financial reputation. I have never authorized or consented to the inquiries from the entities mentioned above. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed items on a credit report and provide me with the results of your investigation within 30 days of receiving a dispute letter. Therefore, I kindly request that you : help me conduct a thorough and exhaustive investigation into these items on my credit report and provide me with a written response outlining the results of your investigation and the corrective actions taken. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There were fraudulent charges made on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX 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 card

I am a XXXX XXXX. I had a XXXX XXXX scheduled for late XX/XX/year>. My XXXX  suggested I apply to CareCredit. I applied for CareCredit to get a promotional one-time offer of a no interest loan so that I could pay my one-time XXXX charge. 

Instead, CareCredit opened a high interest Mastercard credit card for me without my permission or knowledge. I called CareCredit on XX/XX/year> to complain about this and ask for an explanation. I found it was nearly impossible to reach a real person because of their automated system. When I finally reached a real person, our phone call was disconnected twice. I am skeptical that these disconnections were accidental. After I called back a third time, I finally got a management person. This manager admitted that CareCredit 'automatically upgrades ' applicants to a MasterCard rewards card for those who have good credit. He said that is what happened in my case. 

I told the manager that I had not applied for a MasterCard, nor did I want one. I also told him I found this to be an extremely deceptive business practice and asked him to immediately cancel this new card. He tried repeatedly to get me to agree to keep the card but I refused. He eventually agreed to cancel this new card but now my credit rating will take a hit for both the hard inquiry when I applied for the card, and now another hit because I closed the card. I will never use this company again for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hi I am currently a student and am having issues with Nelnet. My original loan was through Great Lakes, and it was then transferred to Nelnet ( not by any choice of mine ). At Nelnet, they had my starting repayment due date incorrect. I reached out to them about my disappointment and the inconvenience it was to me, and this was the reply I received : " Dear XXXX, Thank you for contacting Nelnet. 

This message is to verify we have received your e-mail. We have updated your email. 

This change was effective on XX/XX/XXXX. 

You are currently signed up to receive communication from Nelnet electronically. If youd like to update your method of correspondence, please log in to your Nelnet.com account, select Settings, then Manage Paperless. 

Your updated information is vital for us to help you successfully repay your loan ( s ). If any of your contact information changes, please reply to this e-mail with your new address, phone number and/or e-mail address. 

Our records reflect that all loans on your account will have its six-month grace period for loans from XXXX XXXX XXXX  XXXX XXXX XXXX The grace period will end on XX/XX/XXXX. Your first scheduled payment due on XX/XX/XXXX. 

Please note that you are responsible for paying the interest that accrued while you were in school and interest that is accruing during your grace period on any unsubsidized loans and any subsidized loans first disbursed between XX/XX/XXXX and XX/XX/XXXX. 

If you choose, you may make payments while your account is in its grace period. Any unpaid interest at the end of the grace period will be capitalized ( added to the principal balance of the loan ). For more information on how interest capitalization can affect your current balance and the amount of interest you will pay over the life of a loan, visit Nelnet.com/Interest-Capitalization. '' After going to my Nelnet account, my student loan balances were all {$0.00}. I then received a random email from XXXX XXXX that my loans were transferred with them. Nelnet did not inform me that my loans were getting transferred. There still has not been any contact from Nelnet regarding the transfers of my loans. 

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

Subject : Formal Complaint Regarding Incorrect Credit Reporting After XXXX  XXXX Bankruptcy Discharge To Whom It May Concern, After multiple unsuccessful dispute attempts with the Credit Bureaus ( XXXX, Equifax, and XXXX ), I contacted XXXX XXXX XXXX  at the phone number listed on my credit report : XXXX. On Thursday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, I spoke with XXXX representatives, the last of whom was XXXX XXXX XXXX XXXX XXXX XXXX ), who identified himself as an Account Manager. The call lasted 31 minutes. 

All representatives, including XXXX, directed me to contact XXXX XXXX for assistance in correcting the reporting of these accounts to the credit bureaus. I was informed that my accounts had been sold to XXXX XXXX for collection. However, I was discharged in XXXX  XXXX Bankruptcy proceedings on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  was listed as a creditor for discharge of the debts. 

The accounts in question are referenced as XXXX XXXX XXXX XXXX 

I am formally requesting that XXXX XXXX XXXX  update the reporting to XXXX, Equifax, and XXXX to reflect that these accounts are closed with no outstanding monthly payments due. The accounts in reference remain XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Citizens Bank NA regarding their inaccurate and misleading reporting of information to the credit reporting agencies. Specifically, Citizens Bank has reported the above-mentioned account as " charged off '' with a written-off amount of {$760.00}, which I dispute as incorrect.

Details of the Dispute : Inaccurate Reporting : Citizens Bank NA has reported my account [ XXXX ] as " charged off '' with a written-off amount of {$760.00}. This information is not only inaccurate but also damaging to my credit profile. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Citizens Bank NA has violated the FCRA by failing to ensure the accuracy and completeness of the information they report to the credit reporting agencies. This failure has resulted in a significant drop in my credit score and has impeded my ability to access credit.

Failure to Address Dispute : I have previously disputed this information with Citizens Bank NA, but the company has failed to correct the inaccuracies or provide a satisfactory explanation. Their lack of response and inaction are unacceptable. 

Legal Precedent : Under the ruling in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), creditors are required to ensure the accuracy of the information they report to credit bureaus. Citizens Bank NAs failure to comply with this legal obligation may expose them to liability for damages under the FCRA.

Requested Resolution : I request that the CFPB take the following actions : Initiate an Investigation : Conduct a thorough investigation into Citizens Bank NAs credit reporting practices to ensure compliance with the FCRA.

Correct the Inaccuracies : Require Citizens Bank NA to correct the inaccurate information on my credit report and update all three major credit reporting agencies accordingly.

Impose Penalties : Consider imposing penalties on Citizens Bank NA for their failure to accurately report information and for the harm caused to my financial standing. 

XXXX XXXX : Ensure that Citizens Bank NA implements proper procedures to prevent similar issues from occurring in the future.

Supporting Documents : I have attached a copy of my dispute letter to Citizens Bank NA, as well as my credit report showing the disputed account information.

Conclusion : Citizens Bank NAs actions have caused significant financial and emotional distress. I seek the CFPBs assistance in rectifying this situation and holding Citizens Bank NA accountable for their failure to comply with federal credit reporting laws.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.