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

I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSTANTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR IT TO BE UPDATED. IT'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

account PAID IN FULL. dispute d A MILLION TIM ES. here IS PROOF IT WAS PAID. pleasE REMOVE THIS INCORRECT INFORMATION.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX please remove this fraud inquiry from my credit report.
Product: Checking or savings account

Citibank has spent months of delays and misdirection to avoid paying out the signup bonus of {$300.00}. Citibank has started charge a monthly fee of {$5.00} because I am unable to close the account due to their delays. Citibank confirmed on Friday, XX/XX/year>, that they had received a W-9, but on Monday, XX/XX/year>, no one can find it. This is a wide spread issue that Citibank is using to avoid paying out signup bonuses.
Product: Mortgage

XXXX XXXX ( The year of the Pandemic ) A document was sent from XXXX ( aka PHH Mortgage Services ) stating I was approved for permanent loan modification so to help me be able to pay my mortgage during my hard times. I was instructed to sign the documents and return them before XXXX XXXX for which I did. My monthly payments were reduced to {$400.00} which I paid on time each month by way of XXXX XXXX as per XXXX  instructions. 

XXXX XXXX I received certified mail with expedited foreclosure documents enclosed filed with XXXX County District Court 133rd. Stating the following : " As of XXXX XXXX -- XXXX XXXX XXXX XXXX monthly payments have not been paid. The amount required to cure the default is {$5700.00}. The total amount to pay off the loan agreement, contract, or lien is {$44000.00}. 

Notice to cure the default has been sent by certified mail to each respondent who is obligated to pay the underlying debt or obligation. The opportunity to cure has expired. '' The problem is, I had signed a loan modification and were making payments as per our agreement so why are they acting as if they received no replies, or efforts to pay the debt. None of my payments were returned nor were they applied on the debt. 

When calls were made to XXXX I was told I didn't return my signed mortgage modification which I did within the time frame they instructed. So they resent another mortgage modification form, and I repeated the process and still they claim they didn't receive that signed loan modification documents. 

I need a third party to investigate for fraud because XXXX XXXX is acting as if I've not attempted to make any payments. Now I'm being threatened by them with foreclosure when I did as XXXX their servicer instructed me. Since they are behaving in a unfair and unjust manner I need someone to do a securitization audit of my mortgage to see if any fraud has taken place.
Product: Checking or savings account

On the night of XX/XX/XXXX, we discovered that our phone had no signal. We immediately tried to log into our bank account and found that our password and account had been changed by someone else! Since it was late at night and we couldn't go to the bank, we contacted the customer service of the bank over the phone to have our account frozen. The next day, on XX/XX/XXXX, we went to the bank to inquire about the situation. It turned out that someone had changed our information over the phone and even changed the address to the thief 's address! On that day, we went to the counter to change our information back. The bank staff assured us that our account was now secure. 

However, on XX/XX/XXXX and XXXX, the thief made two transfers online, XXXX for XXXX and the other for XXXX, to an account with the name XXXX and ending in XXXX. The thief also transferred money from that account to a company credit card ending in XXXX for repayment ( the credit limit of the XXXX XXXX XXXX XXXX credit card was already maxed out, which can be verified by the bank ). We felt that the bank 's security system was clearly compromised and requested the bank staff to provide us with information to report to the police, but they refused and assured us that the stolen money would be returned. On XX/XX/XXXX, the bank temporarily credited us with XXXX and XXXX. Due to concerns about personal information leakage, we closed the company account with the remaining balance. 

In XXXX, we received a letter from the bank requesting repayment of the XXXX. We immediately contacted the bank staff at the counter, who checked our account and confirmed that the balance was XXXX, advising us not to worry. However, on XX/XX/2024, we received another reminder from the bank to repay the XXXX.
Product: Credit reporting or other personal consumer reports

I have had negative items being reported onto my credit report, a total of nine items. I have requested for those items to be deleted off of my report, on XXXX XXXX2025. I felt as though the investigation was not done properly and it should be removed. Not only is it a violation to my rights, the information that is on my report is inaccurate. I am asking that these items are removed from report immediately. The information is inaccurate, and also goes against my constitutional rights. Reporting negatively onto my credit report without my consent is illegal according to FCRA Section 605B.
Product: Vehicle loan or lease

Incomplete credit report. Loan company says I have credit freeze on report and XXXX  says i dont
Product: Credit card or prepaid card

In XX/XX/XXXX, I received an email from my friend referring me to American Express Gold Delta Skymiles Credit Card. The terms and the condition, as well as the promotion, clearly shows that if I ( the customer ) spend {$2000.00} within 3 months, I will get XXXX Delta Skymiles. 

I applied for the American Express Delta Skymiles card in XX/XX/XXXX and I was approved immediately for the card and shortly followed up by an email confirmation ( see attachment ). 

After I got the card, I spent {$2100.00} in XX/XX/XXXX, which was within 3 months after I am approved for the card, in accordance with the promotion requirement of the credit card. 

However, after I paid off my balance of spending {$2100.00} in XX/XX/XXXX ( one month after I got the card ) the XXXX did not show in my American Express Delta Skymiles account. 

In XX/XX/XXXX, I called the customer service twice and the representatives says that they can not help. The representatives says Although you are approved for the card, you was not approved for getting the XXXX. And this was not inform you in any emails. You ( the customer ) would not receive about this information unless you have called us ( the American Express ). I have asked twice about this statement and the representative replied me with the same answer. 

I have also used online chatting customer service. No one helped me. 

I believer this is a Bait-and-Switch Scheme. American Express send me an offer of the American Express Gold Delta Skymile Card, I applied and the American Expressed approved. However, after I spent the money using the card and paid off completely along with the annual fee, I did not get the promised offer that I supposed to get, which is one of the main reason that I have signed up for the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am writing to dispute the fraudulent accounts that have been reported on my credit report. I have never applied for any of the accounts listed. In addition, I have not authorized any person or company to access my credit report. These accounts are inaccurate fraudulent information and has hurt me the previous few months in obtaining housing and business funding. 
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 an account without my written instructions. According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller. 

I request that you investigate and remove any fraudulent inaccurate accounts from my credit report immediately. Please provide me with written confirmation that this issue is resolved. 
XXXX XXXX XXXX Account # XXXX Date Opened XXXX XXXX XXXX Balance due {$830.00}. 

XXXX Account # XXXX Date Opened XXXX XXXX Balance Due {$18000.00} This account is fraudulent and inaccurately reporting on my credit report. Under the fair credit reporting act this account is closed and past the 7-year statute of limitations and must be removed immediately. XXXX states that this company is not licensed or regulated to collect a debt in my state, XXXX
Product: Credit reporting or other personal consumer reports

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage was closed 9 years ago and is still reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I DO NOT consent to any automated scan response or XXXX  XXXX verification methods. 

I reached out to all three credit bureaus Transunion, XXXX, and XXXX to dispute incorrect reports provided by XXXX XXXX XXXX. XXXX XXXX showed several discrepancies between the XXXX reporting agencies : Transunion and XXXX continue to report different balances than XXXX. Has missing, incomplete and inaccurate data reported for several months. All Burueas continue to report missing, incomplete and inaccurate data reported monthly. There are several months missing whole data and information. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities. 

I requested the following information from you : The amount you claim owed. IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. Full accounting ledger. All legal documents. An explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor. Confirmation that the account has not crossed the statute of limitation ( SOL ) period. Evidence that you are a licensed debt collector. An invoice of the products/services ordered. Dates of products/services being rendered. The address the products/services were rendered to. My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule I was not provided this information as requested, and per law.
Product: Bank account or service

Bank of America OverDraft Items fees ', XXXX Putting consumers into more debt and or taking their hard earned money. Bank of America rearranges accounting to suit their needs. They also should not charge if deposits are made to the account within XXXX hours, fees ' should be reversed, especially if a consumer calls and requests assistance. Email notifications of low balances do not occur at times for up XXXX hours after. I made deposits on so many occasions on the requested fee reversals.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Confirmation # XXXX I 'm complaining because Equifax have failed to comply with, furthermore wilfully ignored, my requests to provide me the documents that their company have on file that was used to verify the accounts that I wrote them to dispute. On XXXX XXXX, 2017, I sent them my dispute letter requesting that they verify all data for the disputed accounts and I 've yet to receive anything of the sort. <P/>Because its been well over 30 days and they are unable to verify the accounts, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely, the accounts I wrote to them to investigate and verify since XXXX XXXX, 2017. <P/>I beseech you to resolve this matter with urgency as my character is being defamed by their wilful non-compliance. Thank you.
Product: Credit reporting or other personal consumer reports

I requested that the because the collection was both incorrect and invalid, that it be removed from my credit report. And they failed to do so.
Product: Debt collection

check n go continues to attempt to collect a payday loan that is now discharged in a ch XXXX they have continued these collection attempts the last 4 years even when told it was filed. they continue to tell me they were not listed but I have attached the XXXX showing them listed
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding discrepancies in the credit reporting of my account, XXXX, with account number XXXX. The reporting of this account violates the Fair Credit Reporting Act ( FCRA ), as the information is inconsistent and inaccurate across multiple credit reports.

Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to investigate and verify any disputed information within 30 days of receiving a consumers request. Despite my efforts to dispute the negative information related to this account, the account has not been properly verified or corrected, in violation of the FCRAs standards for accuracy. 

Specifically, the balance discrepancies and late payment history reported are inaccurate & inconsistent across all XXXX major credit reporting bureaus, Transunion, XXXX XXXX XXXX. Given that these discrepancies are substantial and the account has not been properly verified, I respectfully request that the entire account be deleted from my credit reports in accordance with 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies ensure maximum possible accuracy in the information they report. 

Thank you for your attention to this matter. I look forward to your prompt resolution of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed I had late payments on accounts that I was never late on. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that these were late. 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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts and delete the following late payments from my report Experian, XXXX and XXXX Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. Even after uploading proof should be deleted, they still remain on the bureau illegally. 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 is reporting on my credit report for an account that isn't mine! It was fraud and I have a police report etc .... It was previously reporting on my credit under a collection company, XXXX XXXX XXXX, and that was removed ... Now this company is reporting and it is not mine! Its even paid but NOT MINE! YOu  will not be able to provide proof with my signature because I have never done business with them. 
THis is fraudulent & XXXX  is the only bureau reporting it with this company. Its erroneous!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX XXXX Account XXXX XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well.

In accordance with the Fair Credit Reporting Act 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 an or my account without my written instructions.
Product: Debt collection

I file fraud last year with XXXX on their website as I was advised by the collection agency southwest collection systems , I then received a call from a rep in the fraud department with XXXX who knowledge they received the dispute and they would be in contact soon, I never got another call. I then received an email on XX/XX/XXXX from a, XXXX. XXXX, in the Fraud Operations/Fraud Management department who again said they received my dispute and will be in contact via email or mail with the resolution, I never heard back, I followed up on XX/XX/XXXX, no reply, I followed up again on XX/XX/XXXX, she replied and stated she needed the account number to identify my account which we have been in contact on the same email, I replied advising I don't have an account number this is fraud, when I call XXXX  directly they claim they can't find me and refused to transfer me to the fraud department. I advised her that she should have my account number since we have been in contact.After that I have reached out on, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no replied This bill was opened XX/XX/XXXX and charge off on XX/XX/XXXX Collection : Southwest Credit system received the bill as of XX/XX/XXXX They also have an email address that has never been mine along with an address
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 
XXXX XXXX XXXXXXXX - XXXX {$2600.00} Credit card XXXX XXXX XXXX XXXX {$2500.00} Charge account XXXX  XXXX XXXX XXXX XXXX XXXX {$610.00} Lease XXXX XXXX  - XXXX {$5900.00} Charge account XXXX XXXX - XXXX {$2100.00} Charge account XXXX XXXX XXXX {$530.00} Charge account XXXX XXXX XXXX XXXX XXXX {$0.00} Line of credit XXXX  XXXX XXXXXXXX - XXXX XXXX XXXX Unsecured loan XXXX XXXX  XXXX - XXXX {$0.00} Credit card XXXX XXXX XXXX - XXXX {$5200.00} XXXX XXXX  - XXXX {$21000.00}
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Student loan

XX/XX/2018 Nelnet posted five different derogatory remarks to my student loan account. This has caused my credit score to drop over 80 point. I would like to dispute this, because at that time I was serving in the military and had no idea that my student loan was delinquent. I am working toward making sure my student loan is paid on time, and also trying to refinance them to get them to more a manageable amount.