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

I submitted multiple disputes to Experian and demanded that they have to remove the false and inaccurate information in my consumer fico credit profile. The company updated a notice claiming that I filed for XXXX  XXXX, XXXX, and XXXX bankruptcies. The issue is that I did not file any of these documents for bankruptcy, and I have never been to the courthouse. I believe this identity thief, deceptive practices, unfair and abusive ACT. That violation is under 15 USC 1681. ( A ) ( I ), law FCRA Section 605bi have never consented to any of these. For a company that provides me a service Experian has been violating my right to pursue happiness and I need your help in this serious matter involving my credit report, they're reporting damaging information.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent inquires as I have no knowledge of any of these inquires due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had hard inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I get harassed daily, I am over the constant calls and emails.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX at XXXX EST Disagreement with Citi Credit Card XXXX findings that this did not impact my credit On XX/XX/XXXX Citi in a letter reviewed my account and my credit limit was systematically increased from {$9800.00} to XXXX. A {$3700.00} increase in credit limit. 
In review of my account, Citi increase my credit limit which had to be in good standing for Citi to increase my credit limit. ( I personally did not request an increase in credit limit ). 

On XX/XX/XXXX Citi decreased my credit limit from {$13000.00} to {$8300.00} a XXXX decrees from my original credit limit at {$9800.00} I had in the last XXXX years. 

With a total of {$5100.00} minus credit which made my balances with only Citi Bank closer to my limits because Citi lowered my credit limit {$1400.00} lower than my Credit limit I had for the last 10 years. 

In your letter, you state that you couldn't determine how reporting this account will affect my credit score it depends on actions taken by other creditors and valuables outside of cities control. 

This was in control of Citi Bank in your letter, you stated XXXX showed high credit balances ok. It also SHOWS EXCEPTIONAL PAYMENT HISTORY. 
Nothing negative or derogatory on any of my credit reports, You stated in your letter that my payments were low on XXXX of more accounts which is not true. Citi increased my limit I have an exceptional payment record with you, so what could had possibly happen in XXXX months to justify the lowering my credit below what I previously had and removing the increase credit limit. 
In your letter, it states our understanding that you do not wish to have the credit limit review for reinstatement, so therefore no further actions was taken. 
I stated to correct this problem you have to put my credit back, and the only way to do that was to put my credit limit back to where it was {$9800.00}. You do not have anything negative on any credit reports for you to remove the credit limit on lower it? I stand by my credit, history and payment history for the last 10 years or more so what happened? It can not be the way I pay my creditors, including Citi that is exceptional. 
Please Revised I hope this can be resolved as soon as possible, and no further action is necessary My original question what happened? Why did this occur if I have an exceptional payment history with you and other creditors. FYI my credits Reports have been frozen lock in the last 14 years I will have to call each agency to release the Freeze on my credits reports. In this case, I did not release any Credit report Freezes XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is inaccurately reporting incorrect and updated increasing balances on a account that is closed and dated over 18 years old. This is negatively affecting my credit rating and i demand the accounts be removed with urgency as my rights state in FCRA.
Product: Student loan

I have attended XXXX XXXX XXXX since 2009 in XXXX Michigan ( XXXX XXXX Big XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX ), took a break and due to the opportunity scholarship that they promote decided to go back and finish my XXXX Degree. I was informed that I qualified to attend two years free tuition with no payments having to be made. Not even a full XXXX semesters in, I am getting e-mails and calls that I owe {$600.00} plus tuition for each semester. I informed XXXX XXXX that I was set up by a fin-aid representative by the name of XXXX that I would be attending free for two years due to me being a former " student '' and qualifying for the scholarship. She informed me that it was only for XXXX semester and that I now owe {$600.00} plus for a prior semester of which I was supplied with the " scholarship. '' I informed XXXX XXXX that if I knew that I would end up having to pay the upward amount of {$600.00} per semester I would not have attended XXXX XXXX. I feel that I was lied to and manipulated into receiving said scholarship. I am now receiving bills for having to pay unsubsidized and subsidized loans around the mark of {$18000.00} and {$16000.00} respectively. I would like my information to be added to the lawsuit because they are predatory and falsify information to benefit the schools profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting to my credit report without my consent, I do not recognize this debt, I have requested to the company to provide summary of it, agreement and any information they may have to prove the account is mine and they have not send anything.
Product: Debt collection

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

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 that you are licensed to collect in my state.

Provide me with your license numbers and Registered Agent or Agent of Service.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Product: Checking or savings account

I opened a claim on XX/XX/2023 in the amount of {$8300.00} due to the transactions being fraudulent. I spoke with the company via phone about the transactions to try and receive a refund and was told Id have to file a fraud claim. Some one used my card multiple times to purchase bitcoin on a website named XXXX. I have no idea how bitcoin actually works, and was talking to the company to figure out what could be done to help get my funds back. I then reached out to my bank and told them about the situation and how this was a lot of money and very important money as well. They helped me to submit the claim and told me within 10 business days id have a temporary credit or some kind of answer. I then called again to see if I could get the credit sooner because this was a ton of money that had been taken from me. I was told that the claim will be escalated and ill receive the claim in 24-48 hours. A few days go by and I hear nothing! I was told if I call again, the rep would have to update the notes on the claim which would restart that 24-48 hours and essentially prolong receiving any credit. So I then waited and waited and heard nothing. Finally I decided to call back to get some kind of update and was told the claim had been denied!!! I asked why and was told id hear something soon. I asked could the claim be re-opened and was told no it couldn't. A few days later I get a message on my BofA message portal saying the claim was denied due to an agreement that I had with the company!! I was so confused!!!! I have no idea who the company is and never had any contracts with them. During that time I had just moved to XXXX from XXXX after transitioning out of the XXXX. I did not get a fair investigation at all!! My claim was completely rushed and closed just so I wouldn't be given any credit. I had XXXX issues with BofA prior to this. All of my direct deposits were sent there. Now I have lost all trust after being treated unfairly. I am demanding a new investigation! That money was very much needed and not fair that it was just taken away from me and the ones I trusted to help me, did the complete opposite. 

Claim ID : XXXX Amount : {$8300.00}
Product: Mortgage

Freedom Mortgage has stated that I didn't make my payment in XX/XX/XXXX but I have a canceled check for this payment. They have charged me a late fee and added a mark to my credit report. I emailed them and was told they would send me a letter with the results of their investigation. To date I have not received any letter explaining what they found and they are now contacting me repeatably alleging I didn't make the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXX XXXX, DE XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing again to address the unauthorized hard inquiries on my credit report, which I previously disputed on XX/XX/year>. Despite my earlier requests, these inquiries remain on my report, negatively affecting my credit score.
Product: Student loan

Sent payment XX/XX/XXXX. Payment reversed back to bank & account not found. 
XX/XX/XXXX- upon registering online to view my dashboard I noticed my account was put into administrative forbearance without my consent between the end of XX/XX/XXXX & middle of XX/XX/XXXX. 
I have since acquired over {$100.00} in interest. 
XX/XX/XXXX Called shortly after XXXX, first representative I spoke with told me they did not have my address on file and wanted to fix it, I declined wanting answers on the changes to my account. She tells me it was done by the government because of FEMA- I lived in an area of catastrophe. She then corrected herself and placed me on hold. Under 10 minutes she comes back explaining it was done by law do to my lawsuit of bankruptcy in Texas. ( I AM A PA RESIDENT ; NEVER FILED BANKRUPTCY ) I ask to speak to a manager or supervisor. 2nd representative ( XXXX ) comes on the line completely unaware of the previous conversation ; and asks me to clarify my mailing address. ( First representative didnt have it?! ) I explain to her I wish to speak with a supervisor ; someone who knows the ins and outs of the company. She transferred me to XXXX XXXX. He also has my address on file that the first representative said she did not have on file. He explained it very poorly about a bankruptcy lawsuit in Texas, my account would be pushed into claims as a priority to understand how my account was placed in administrative forbearance. I would receive in writing what exactly happened within 7-10 business days. I was extremely confused and asked him to explain the lawsuit information as he had explained In such a way I thought my information was used in Texas of which he said the allegations were not towards me in any means. When I asked if it was the lawsuit against them he said he couldnt speak due to legality terms. They couldnt even advise me on what I needed to do next besides wait for their letter in writing! 
They wont accept payments yet its negatively affecting my credit score.
Product: Mortgage

I requested with newrez to have the servicing of escrow removed from account and newrez said after the review of my mortgage balance the request was denied because the XXXX is XXXX and I said how is that possible? I asked what value did newrez use to determine the value and newrez said XXXX. I said how could you use the purchase price and not the value of property in 2025. Newrez stated they use the purchase price because I would need an appraisal to determine current value. I havent heard from newrez since. All newrez does is give me the run around in customer service. My escrow is constantly short but newrez collects larger amounts constantly and it never balances. Newrez has not ordered an appraisal. Newrez has not requested from me to pay for an appraisal. Newrez has ignored XXXX request for the servicing of escrow to be removed.
Product: Mortgage

OK we purchased our home in 2007 here in XXXX Oklahoma, he put down ex amount of dollars then financed for 30 years, they had us on a variable interest rate instead of a fixed rate like we wanted. We started getting harassed by the loan company about our payments etc. they never have had our balances right yet, no matter what we did the company would claim that we were behind on payment being deceptive then if we send large amounts of money then we would go back too normal payments. There was times we sent thousands of dollars or even hundreds. Then we would still get XXXX over and never get the same amount due each month. We have never had the same amount due each month so therefore we could not budget our self cause the loan company was so crooked. They would claim that we could send a fax for a renew of lower interest then they would claim that they never got the packet. We then were sold too XXXX and they did the same thing but worse, then it went too XXXX XXXX XXXX. We have been taken advantage of greatly, no matter what we do or what limb we go out on they pretend too play the same ol game. I feel that we are owed a refund of damages and stress related issues they have put upon us. Then they send a threating letter too do legal actions on the house were does this dishonesty stop? Then we have SPS whom sent a threating letter saying we better pay XXXX dollars plus attorney fees, now this law firm is not in the crooked scam too deceit us. All the money has went too interest ever since 2007 and none applied too principle. I even had id theft years ago and the sheriff here did nothing about it, now I have trouble with interest and loans that I get cheated out of. I wish for a settlement and these scams stop.!!!! I can not afford an attorney If I did Id like too sue the them for punitive damages and stress related problems we have had not too mention phone harassment for wrong balances etc. We have changed our home phone several times and XXXX XXXX XXXX must be selling or providing our home unlisted no. where is the legal issue here?
Product: Money transfer, virtual currency, or money service

I sent a XXXX dollars to pay for a property, the shipment said it would be made within 24 hours at the latest, more than 60 hours have passed and I made a call to request information because the charge was made to my card but the recipient did not receive the money, in the app it appears processing the shipment but the operator has told me that the transaction appears as received and in its application it appears that it has not been sent, the problem is that the payment for the property has a specific date and They said they could resolve it in up to 90 days.
Product: Credit reporting or other personal consumer reports

I requested a credit line increase on a card that I already had with the creditor. Under law, it is my understanding that when you request a credit line increase, it is not supposed to reflect as a hard inquiry on your credit report. I requested the credit line increase, and it was offered to me and approved, however, they reported it as a hard inquiry on my credit report. Home Dept, XX/XX/2024. Though Ive already had the creditor service and credit card in question since XXXX of this year. Anytime I do a credit line increase request, It is always processed as a soft inquiry. I never have a hard inquiry or I would not have done it. It did not offer a disclaimer that this is what would occur and this is not the standard practice. And I utilize this so that it can help increase my debt to income ratio.
Product: Checking or savings account

I received a phishing text from BECU stating that there was an issue with my account. I was asked to provide personal information. I have had numerous hacking attempts recently.
Product: Credit card or prepaid card

on XX/XX/XXXX, I received an email from American Express notifying me that all my accounts have been closed and my over 500,000 membership reward points lost. I was stunned, as all of my accounts were in good standing and I have been a loyal customer since 2014. I have never made a late payment nor abused the rewards program in any way. My credit report shows no negative remarks. American Express gave no prior notification of this closure, and shutting down my accounts without any notice is in violation of the Credit CARD Act of 2009, as it requires a 45-day notice to any significant change to the account.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction and frustration regarding the ongoing issue with my open account at your bank. Despite my previous attempts to rectify the situation, it appears that the matter remains unresolved. 

I initially brought the matter to your attention through. At that time, I explained the circumstances surrounding the late opening of my account and requested prompt assistance in resolving the issue. However, to my dismay, the matter persists. 

I understand that mistakes can happen, and I appreciate your efforts in addressing the issue after my initial complaint. Unfortunately, the situation has not been rectified, and it is causing me considerable inconvenience. As a valued customer, I expected a more expedient resolution to such a matter. 

I kindly request that you investigate this issue promptly and provide me with a detailed explanation of the reasons behind the continued delay. Additionally, I would appreciate a clear timeline for when this matter will be fully resolved. I believe that transparency and communication are crucial in maintaining a positive customer-bank relationship. 

If necessary, I am willing to provide any documentation or information that may assist in expediting the resolution process. I trust that Credit Bureaus values its customers and will take the necessary steps to rectify this matter promptly. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX Balance : {$2800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Covid 19, I lost my job, Therefore I was late a payment, and was reported as late payment, so my credit report went from good to worse in one day.