23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

An unauthorized hard credit Inquiry was made by XXXX on XX/XX/XXXX and reflected on my Trans Union credit report. I asked XXXX in writing to stop making unauthorized credit inquiries in my name ( e.g. XX/XX/XXXX and XX/XX/XXXX ) but appears they continue to do so. I even filed an Initial Security Alert on XX/XX/XXXX valid for 90 days and was shocked XXXX did an inquiry again. I need XXXX to stop doing this because it effects my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached dispute accuracy [ 15 U.S.C. 1681i ] and important information on the credit file dated XX/XX/2023. /s/XXXX XXXX XXXX
Product: Bank account or service

In XXXX 2016, I was prompted to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi ThankYou points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. XXXX Citi ThankYou points equals {$400.00} in gift cards as stated in the terms and conditions I received when opening this account. 
After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 
On XXXX XXXX, 2016, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, 2016. On XXXX XXXX, 2016, I did not receive my bonus points as promised. 
On XXXX XXXX, 2016, I initiated an online chat via the Citibank website with XXXX and explained that I did not receive my points. XXXX said I should have already received my points. An internal investigation was opened. Case number XXXX. 
On XXXX XXXX, 2016, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a ThankYou Points promotion offered in conjunction with the opening of your account. '' On XXXX XXXX, 2016, I appealed this denial, citing written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 
On XXXX XXXX, 2016 XXXX at a Citi customer service center informed me that the offer in question requires the original bonus mail insert, which would have been sent out 6-8 months ago. 
It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. I disposed of this mailer after opening my account, and it is unreasonable to expect customers to keep old advertisements for over 6 months. 
On XXXX XXXX, 2016, My appeal was denied. I appealed again. 
On XXXX XXXX, 2016, XXXX at the Citigold customer service department acknowledged my appeals and attempted to submit my case to the Escalations Unit. She apologized for my experiences and said that many other clients are in the same situation. 




I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. 

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

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX  with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Employer : XXXX XXXX Date Updated : XX/XX/2018
Product: Debt collection

Payment history isnt included. They stated this debt was just opened back in XX/XX/XXXX but this debt was over 5 years old and on credit report it has only amount and doesnt have payment history or what kind or last payment which was XX/XX/XXXX or XX/XX/XXXX. Disputed with XX/XX/XXXX and they said it's all correct but ita srill.missing slot and now has resulted my family and I live in a hotel because they put this is new when in fact its old.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account Number : XXXX I recently reviewed my credit report and noticed that this account is inaccurately reporting late payments. However, I made all payments on time, making these late payment notations incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers of information must ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a violation of this law. 
The credit reporting agencies are responsible for maintaining accurate and up-to-date records. This account has never been late, and I have attached a copy of my credit report highlighting these errors for reference. The incorrect late payments are reported as follows : * TransUnion and Experian incorrectly report a 30-day late payment for XX/XX/year>. Equifax inaccurately reports a 30-day late payment for XX/XX/year>. 
* TransUnion and Experian incorrectly report a 30-day late payment for XX/XX/year>. Equifax inaccurately reports a 30-day late payment for XX/XX/year>. 

I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I called the company to report their fraudulent account listed on my credit report. They told me that someone else, using a different name, was using my SSN and opened an account but could not remove the fraud from my credit report or tell me any additional information about the account holder, named XXXX XXXX. 
They said my name on the open account did not match the name for my SSN but still haven't removed it from my credit report!
Product: Money transfer, virtual currency, or money service

Company approved a high interest loan. Then requested my personal account info fir direct deposit. After submitting account info they declined loan.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my experian credit report after disputing under 15 USC 1681b ( a ) ( 2 ) and found that my dispute was no longer under investigation. I am writing again to report a new violation in addition to FCRA 1681b ( a ) ( 2 ). 
I have a right to privacy and FCRA states a credit reporting agency ( Experian ) can not furnish an account without my written instructions to report - XXXX # XXXX 
Additionally, under FCRA 1666 ( b ), a creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose. The law states initial disclosure within 21 days and this is a violation under Timing of Payments FCRA 1666b.

This also is an additional violation under the Fair Credit Reporting Act.

Please correct and update my records to reflect I was not late in accordance with FCRA 1666b or delete account in its entirety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any information on this matter, and the company acted without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of inquiries has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to 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

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX SER Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX CARD Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my credit pulled this month and I recently found out I am a victim of fraud. I have a few issues going on concerning the accuracy of my name and addresses. 
My name is spelled XXXX XXXX XXXX my DOB XXXX my SS # XXXX please remove any other spelling of my name. 
The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, OH XXXX Please delete the following numbers they are not mine:XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have some unverified accounts that do not belong to me please delete : XXXX XXXX # XXXX, XXXX XXXX # XXXX, Please delete this account account it is fraudulent I do not owe XXXX XXXX XXXX # XXXX
Product: Vehicle loan or lease

improper disclosure of the amount financed, finance charge, payment schedule, total of payments, annual percentage rate, and security interest disclosures. 
-This Rescission notice is made Pursuant to 15 U.S. Code 1635 ( 0 ), as I was never told I had 3 days to rescind the agreement. Neither was I given the notice that comes along with all consumer credit transactions. Furthermore, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Virginia XXXX failed to clearly & conspicuously disclose all of my rights as a consumer including but not limited to my right of rescission. 
XXXX XXXX XXXX XXXX XXXX accepted a CASH down payment of {$2000.00} violating 15 U.S. Code {$1600.00} which clearly states : The finance charge does not include charges of a type payable in a comparable cash transaction.

Pursuant to 15 U.S. Code {$1600.00} ( 1 ) ( 3 ) ;
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts.

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
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 XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible, this inaccurate information is preventing me from purchasing a home for my daughter and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my account my credit report has inquires that I do not recognize and that I did not authorized. on XX/XX/XXXX  from XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX on XX/XX/XXXX  These company are under violations of my rights in section 1681 and I would like these inquiry to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXXXXXX XXXX XXXX XXXX Has been reopened unlawfully by a different collection company and unlawfully reported by the CRAs 15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I am requesting that this information be removed immediately. This is illegal and is negatively affecting my life and mental health.
Product: Debt collection

Hello, I'm a victim of identify theft. Upon checking, I noticed that XXXX posted this account on my credit report, without sending me any type of written correspondence to dispute this debt. This is extremely damaging to my credit report and has caused my score to drop. I ask that this company please remove this debt from my credit report at once, before I'm forced to seek legal action.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint to address XXXX XXXX XXXX XXXX 's unauthorized and deceptive practices concerning my request for the removal of information related to human trafficking from my XXXX credit report. Despite providing all necessary and valid documentation, in full compliance with federal law, including a Victims Determination Letter from a recognized authority, XXXX has unjustly denied my request and misrepresented their attempts to resolve the matter. 

XXXX 's actions are in direct violation of 12 CFR 1022.142 ( e ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), which explicitly prohibits credit reporting agencies from refusing to block adverse information based solely on the validity of submitted documentation. This clear disregard for federal regulations and my rights as a consumer is deeply concerning. 

I request a thorough investigation into XXXX ongoing non-compliance with these federal standards and that appropriate corrective measures be taken to address their misconduct. The companys refusal to fulfill its legal obligations has caused unwarranted harm to my credit profile, despite my adherence to all requirements under the law. 

As stipulated under Section 605C of the FCRA, credit reporting agencies are legally prohibited from including adverse information on a consumer 's report when such information results from the individual being a victim of human trafficking. After I notified the agency and provided all the required documentation, including evidence mandated by the law, this information should have been promptly removed within the specified timeframe. However, XXXX and other credit agencies have failed to address or comply with my request, contrary to what the law mandates. 

I urge immediate action to rectify this issue, as their failure to comply with established legal standards constitutes a serious breach of both federal law and consumer protection rights. 

Thank you for your attention to this critical matter. I trust you will give it the serious consideration it warrants.