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

A misdemeanor charge I have out of Illinois is being reported as a felony on a background check. The Company GIS/ XXXX XXXX told me today XX/XX/2019 that on XX/XX/2019 they spoke to a Circuit clerk out of XXXX XXXX Illinois and were told that the charge was a felony which is a false. Ive spoke to the clerk three times this week and and they have stated that it is a class a misdemeanor and also send me Docket information and other reports Pertaining to my case that states it as well. Ive disputed this two times.
Product: Credit reporting or other personal consumer reports

I contacted Experian, XXXX and XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true! 
I am enclosing the following documentation to support my claim that the information you have reported is not correct : This negative mark is damaging to my credit. Please contact Experian, XXXX and XXXX XXXX immediately to remove this information from my credit file.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and Equifax, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 

Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this problem with XXXX XXXX, XXXX  and Transunion on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. 
My credit scores dropped form XXXX to XXXX from both Transunion and XXXX  with no explanation. They continued with these egrigous errors to the current with my credit scores erroneously down 100 points. XXXX XXXX offers no intelligent explanation on their report. The report does show that I have zero negative items and 100 % payment history.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second or third compliant and after this Im going to sue Transunion and XXXX for violating my FCRA. I have two accounts that are closed with XXXX and it continues to come back as verified. One account ends in XXXX and had a balance of {$4300.00} and the other account ends in XXXX and had a balance of {$7900.00}. Transunion continues to change the close date. My attachments show proof. The most recent credit report shows XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. How can this continue to happen. Another attachment shows dates from XX/XX/XXXX. This is intentional at this point. 

XXXX needs to be removed from both Transunion and XXXX. I have requested multiple disputes but they all come back verified. 

XXXX the only CRA reporting 90 day lates for both accounts. XXXX deleted both accounts back in XX/XX/XXXX as the same inaccuracies are shown. 

Im not requesting another investigation. In fact, do not do one. This information needs to be deleted IMMEDIATELY for multiple FCRA violations. 

Transunion shows XXXX as XX/XX/XXXX while XXXX shows nothing. XXXX  doesnt show a close date. 

This file needs to be deleted. A response of opening an investigation is not sufficient. Both credit bureaus have had ample time to resolve and didnt. Remove both XXXX accounts or I will have to file FTC complaints and sue in court for violating my rights. 

A letter from XXXXXXXX XXXX XXXX XXXX XXXX XXXX shows contradictory information. No close date has been provided. XXXX said they are not reporting 90 day lates in the letter however thats incorrect. 

Also attached is another credit report showing close dates in XXXX. All parties need to immediately delete credit files since my FCRA rights have been violated. Inaccurate information on my credit report sits there for years. I need the CFPB to intervene and ensure this is deleted timely.
Product: Credit reporting or other personal consumer reports

Someone took a loan out in my name in XX/XX/year>. They purchased an XXXX and also took advantage of using a third-party vendor to finance some of the purchase. The XXXX is paid/closed out on my behalf but the XXXX XXXX XXXX XXXX  that they used isn't after tracking down the company. I filed a dispute with them. They don't have representatives that talk with you about fraud claims, you have to do everything via letter to the fraud team. Hey only speak with you when they are attempting to collect a date but once you explain your fraud case, they transfer you to an automated line. I explained to them in my letter that my identity was stolen by XXXX peoples I suspected and had already filed police reports on them and that I didn't know anything about them and hadn't opened no account and had never received anything from them .They closed the account but they are still trying to collect this debt from me and or reporting to all three credit bureaus impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit investigation on XX/XX/XXXX. I was suppose to get a respond by XX/XX/XXXX, but I did not.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urge you to quickly take down the illegitimate inquiries from my credit report, as they were done without my authorization and are causing me distress.
Product: Mortgage

On XX/XX/XXXX I closed on a loan with TD Bank XXXX XXXX XXXX XXXX XXXX, Pa. XXXX. The loan was in the amount of {$220000.00}. Which the following was to paid out to creditors : XXXX XXXX XXXX {$110000.00} XXXX Credit Card {$9400.00} XXXX {$2300.00} XXXX  {$1900.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX  {$67000.00} Total {$190000.00} Check to Borrower {$31000.00} Total Loan {$220000.00} Payments were suppose to be made to the creditors 10 days from settlement. However only the credit cards were paid. XXXX, XXXX, and XXXX XXXX were all paid on XX/XX/XXXX. XXXX XXXX XXXX and XXXX have n't been paid as of the writing of this complaint XX/XX/XXXX. 

I have been in contact with TD Bank, XXXX, and XXXX XXXX XXXX multiple times. TD said they sent the checks out on XX/XX/XXXX. But they did n't get a tracking number from XXXX. I did receive a call from TD Bank on XX/XX/XXXX that XXXX XXXX XXXX sent the check back to the TD Branch by mistake and I was told that it was resent to XXXX XXXX XXXX. However the funds still have n't been applied to the payoff of the loan and when I call XXXX XXXX  XXXX they have no evidence that this happened. XXXX still has no record of any payment for the payoff. 

At this point I 've been charged for principal and interest on the new TD Loan and they took payment out of my checking account on XX/XX/XXXX in the amount of {$1500.00}. I 'm also being charged for the loans for XXXX XXXX XXXX and XXXX which should have been paid off before the new TD payment took affect. I 'm lucky I caught that the payments were n't made by TD Bank or these loans would have gone to collections and affected by credit rating. All along TD Bank had no idea that the loans were n't paid off. 

I do n't think there 's any sense of urgency from TD Bank to fix the issues, while I 'm out about {$800.00} in extra interest and penalties and this number is growing. 

Any help to get the XXXX and XXXX loans paid off and refund me charges that are n't my responsibility would be much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX did not follow bankruptcy law, they allowed XXXX XXXX and XXXX XXXX to re-report lateness on my report after they were in my bankruptcy and discharged, also all information was removed and placed back on my credit. All three reporting companies also list duplicates of my student loans, I have 6 student loans all in good standing, they have 12, 6 of which showing late. Even though I have great payment history for XXXXwo years they continue to lower my score, then solicit money for me to buy something to help my credit, how can they control our credit and make money from companies trying to sell us something. If my score does not change, after being turned down for a home loan, I will be filling a lawsuit.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and some credit bureaus are refusing to removed other address related to fraud of my credit report. I am requesting to Block fraudulant addresses. 

All information have been provided here with statement and all attachments - appropriate proof of the identity of the consumer - a copy of an identity theft report/police report - a statement by the consumer the incorrect information as a result to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many fraudulent things i saw on my credit report that I didnt give permission to experian to put on there. Once i saw these things I sent them multiple letters needing verification and deletions regarding these items. I gave them the allowed 30 days and didnt receive anything in the mail nor did i get the items removed. This is my next step in the process into rectifying the situation to my liking. I feel like Im being discriminated against and Im having trouble extending credit with these things on my report. The following are wrong XXXX XXXX isnt my name so i want that and anything related to that name deleted. My address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Massachusetts XXXX. So any other address i want deleted as well. My job is XXXX XXXX so any other job i want deleted. There following account arent verified and i want deleted immediately : XXXX XXXX XXXX, collection XXXX, collection XXXX, XXXX XXXX  XXXX, and XXXX XXXXr XXXX.
Product: Bank account or service

My bank checking was account was attempted to be scam in the amount of {$3200.00} but XXXX caught this and is now investigating this. Now in regards to this they have had {$3200.00} on hold from me gaining access to my money for 67 days which has caused me a financial hardship of not meeting my bills responsibilities on time and as a result of them doing so I had to join a debt relief program, have my credit go into negative reporting and lower credit score in which I feel they are responsible for this in not resolving their investigations in a timely manner.
Product: Credit card or prepaid card

I have a pending issue with the Bank of America. My account was hatched by unknown person from unknown cities totaling {$7500.00}. I filed a complain from last year and sent all the documents they wanted, i.e., copy of my driver license and my mother 's too to complaint that {$7500.00} was not withdraw by me. They've denied few times but they said that they will investigate on this issue with another department. They've been saying this since XX/XX/2022 and they've advised me that they're working on it since XXXX 2022. However, nothing is progressing. Please help me get my money back. 
Thank you!
Product: Consumer Loan

In XXXX, my husband lost his job and I had to file bankruptcy chapter XXXX. Within that first year, I voluntarily vacated the bankruptcy and made settlements with all my creditors. On XXXX/XXXX/XXXX I received a settlement letter from SST, signed by XXXX XXXX, stating if I paid {$1600.00} by XXXX/XXXX/XXXX, my accounts status would reflect Closed-Settled. 

Since then, neither XXXX, XXXX or XXXX reports, " Closed-Settled. '' I filed several disputes over the years and made numerous calls to correct this error. Just here recently, on XXXX/XXXX/XXXX, I spoke with SST 's operator XXXX and she stated, she was not changing the status and it was going to remain there for the next XXXX years. I called SST back on XXXX/XXXX/XXXX after I located my letter ; again I spoke with XXXX and she refused to even listen to or acknowledge my letter, until I offered to fax it to her. At that point she finally admitted to locating the letter in her system. After several more minutes of speaking with XXXX, I began to feel she was taking this issue personally and was n't going to be of any help. 
Finally, I asked to spoke with a supervisor and XXXX stated, I 'm not connecting you to my supervisor, but I 'll connect you to a supervisor ( unnecessary comment ). Within a few moments, XXXX came to the phone. At first, XXXX was upholding XXXX position until she read the letter for herself. She then informed me, she was going to have XXXX add notes to the account to reflect closed-settled. I informed XXXX, the letter does n't mention " notes '', and this was unacceptable. She read the letter again and agreed to have XXXX update the status of my account with all XXXX agencies by the end of the day. Well, today is XXXX/XXXX/XXXX and the status was updated with XXXX to reflect that I was in Chapter XXXX Bankruptcy-Dismissed, something I never filed. To add insult to injury, comments were posted, " Account paid in full or less than full balance ''. Moreover, my XXXX has n't been updated at all, it still reflects Charge-Off.
Product: Debt collection

I am writing in response to a dunning letter received from XXXX XXXX XXXX is a debt collector regarding the above-referenced account. Please be advised that I am a victim of identity theft and a data breach, and I do not acknowledge any debt associated with the account number referenced above. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you cease and desist all communication with me in relation to this alleged debt, except as required by law. 
Additionally, I request that you provide the following documentation for my review : 1. A copy of the original contract with my original wet-ink signature.

2. A detailed private and public account ledger concerning the alleged account. 
3. An explanation of how you obtained my non-public personal information without my written consent, in potential violation of Section 6801 of the Gramm-Leach-Bliley Act ( GLBA ).

Please note that under Generally Accepted Accounting Principles ( GAAP ), accurate and complete record-keeping is required, and I expect full transparency regarding the origin and details of this alleged debt. 
Furthermore, I reference the case of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX 2010 ), which reinforces that debt collectors must adhere strictly to the FDCPA standards in their collection practices. Failure to provide the requested documentation or to cease communication will be considered a violation of my rights under this act. 
This letter is sent in good faith and clean hand, and I request your prompt compliance with my demands. If you fail to comply, I will pursue all available legal remedies to protect my liberties, including but not limited for statutory damages and pursuit of happiness. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX All Liberties Reserved Without Recourse
Product: Vehicle loan or lease

Basically I applied for a refinance auto loan, was told one thing by a bank official who later on withdrew her promise of approving the loan. This took place XX/XX/XXXX and ended today XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 inquiries on my credit report that I dont recognize I have not approved or know what these are for I have not approved these inquiries and I need to remove these from my credit report since they do not belong to me. 

XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2019
Product: Debt collection

THIS account IS in violation of my hippa rights. i have contacted this company with no success in legally validating these debts. i would like these accounts removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS REPORTING 2 COLLECTIONS ON MY CREDIT REPORT ONE IS FOR XXXX OPENEDXX/XX/XXXX. AND ONE FOR XXXX OPENED XXXX. I HAVE NOTIFIED XXXX XXXX AND LET THEM KNOW I WAS A VICTIM OF IDENTITY THEFT IN THE PAST. I SENT A LETTER TO THE CREDIT BUREAUS AND FORWARDED A COPY OF THE POLICE REPORT AND IDENTITY THEFT AFFADAVIT TO THE COLLECTION AGENCY AND TO THE CREDIT BUREAUS. I ALSO HAVE A ACCOUNT WITH XXXX XXXX FOR XXXX OPENED XX/XX/XXXX. I HAVE NO KNOWLEDGE OF THESE WIRELESS ACCOUNTS. IF MY IDENTITY HAS BEEN COMPROMISE IT IS THE RESPONSIBILITY OF THE CREDIT BUREAUS TO REMOVE ANY NEGATIVE INFORMATION FROM MY CREDIT REPORT AS A DIRECT RESULT OF THE IDENTITY THEFT. THE COLLECTION AGENCIES HAVE FAILED TO RESPOND TO ME DIRECTLY AND THE CREDIT BUREAUS SAY THE COLLECTIONS ARE BEING VALIDATED.
Product: Credit card or prepaid card

In short, Citibank is holding my online access to my account hostage until I accept and activate a new credit card from them ( the MasterCard discussed below ). Citibank is apparently doing this to all of its customers. Citibank 's behavior is predatory and exploits the disparate bargaining power between it and its individual customers. 

My Citibank Visa card is set to expire XX/XX/2018. Starting in XX/XX/2018, Citibank disabled my ability to login to my account ( via its website or mobile app ) to pay my balance without first accepting and activating a new card -- this one, a MasterCard. Because I was unable to login to my account and pay the balance, I incurred interest charges on the outstanding balance ( ~ {$33.00} ). The same thing happened the following month, incurring an interest charge of ~ {$70.00}. On XX/XX/2018 Citibank 's website again would not allow me to make a payment. I called Citibank to explain the issue and that I should not be liable for interest charges because it was Citibank that was making it impossible for me to make timely payments. I pointed out how I have been a card holder for years and have not run a regular balance in at least four years. I requested that these interest charges be waived. Citibank responded that they would only waive one month 's worth of interest charges and that in order to pay online, I would have to accept and activate a new MasterCard, which it sent me a few weeks ago ( but which I have not accepted or activated ). 

This is effectively stealing from me and leveraging its control over my online account in order to force me into accepting and activating a new credit card. The representative then explained that Citibank was doing this to all of its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 XX/XX/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 XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; 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/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.