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

Subject : Immediate Removal of Bankruptcy Entry from Credit Reports I am writing to demand the immediate removal of the bankruptcy entry on my credit reports. I have never authorized this reporting, and I am officially opting out of any such reporting, both now and in the future. 
This request is supported by the Privacy Act of 1974, 15 USC 1681a, and regulations under 12 CFR 1016.1, 1016.13, 1016.14, and 1016.15, which require explicit consumer consent for the disclosure of such information. In addition, 12 CFR 1016.4 emphasizes the necessity for consumer consent prior to any reporting, which I have not provided. 
I also wish to point out that I have received confirmation via email from the Colorado Bankruptcy Court stating explicitly that they do not provide information to credit reporting agencies. This is further evidence that the reporting of my bankruptcy is both unauthorized and in violation of my privacy rights as outlined in the aforementioned statutes. 
Given these facts, I insist on the immediate removal of the bankruptcy reporting from all my credit reports and confirmation that I have been opted out of any future reporting of this nature. 
Thank you for your immediate attention to this matter. I expect to receive confirmation of the removal of the bankruptcy entry within 30 days of this letter.
Product: Credit reporting or other personal consumer reports

I recent reviewed my credit report and notice i had fraudulent account on my report, please remove this account from my report. they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX ( Case No. XXXX ). 
Specifically : 1. Failure to Conduct Reasonable Reinvestigations : XXXX 's responses to my disputes fail to reflect accurate investigations. For instance, despite submitting detailed supporting documentation, the inaccuracies persist without explanation or meaningful resolution. 
2. Failure to Forward Relevant Information provided, which mirrors issues cited by the CFPB regarding XXXX 's neglect in transmitting accurate dispute details to furnishers. 
3. Unclear or Misleading Dispute Outcomes : The results of your reinvestigations are ambiguous and do not provide sufficient details about the updates or lack thereof, leaving me unable to determine the resolution. 

The items in question are : [ List the inaccurate items with details like account numbers, dates, or disputed inaccuracies. ] Late Payments XXXX XXXX Late Payments Flagship Credit Hard Inquires : XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Closed on XX/XX/year>XXXX XXXX XXXX XXXX XXXX  Closed on XX/XX/year> XXXX XXXX XXXX Closed on XX/XX/year> XXXX XXXX XXXX  Closed on XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX $ {$XXXX} Evictions : XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX I have attached coples of relevant documents supporting my dispute ( e.9., payment records, correspondence, or agreements ).

Should you fail to comply with your obligations under the FCRA within the mandated 30 days, I am prepared to escalate this matter, including filing complaints with the CFPB and considering legal action as authorized under the FCRA.

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute letter and provide an updated credit report reflecting the corrections or deletions. 
Sincerely, [ XXXX XXXX )
Product: Credit card or prepaid card

I applied for a secured with Citibank about 3 weeks ago. It was denied due to bankruptcy. When I concacted the credit bureaus, they told me there is NO BANKRUPTCY!! ( I knew there wasn't ; but I called just to appease Citibank ). 
I contacted Citicards fraud department and they said there were 2 cards opened in XX/XX/1986 in my name. They told me they were going to remove them. I spoke with a XXXX, and he assured me it would be taken care of and he would return my call on Tuesday. Since I didn't hear from I've been on the phone with Citibank for HOURS for the past few days trying to get this resolved. Last night they told me it was resolved and today I could reapply for a secured card. Once again it was declined for the same reason! 
I want this fixed ASAP! 
I just spoke with XXXX in the Fraud Department and he told me to try again. I'M STILL BEING DECLINED AND THERE IS NO REASON FOR IT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I Consumer Dye am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. 

The following account ( XXXX ) exceeds more than seven years ; which violates the statutory time period under the Fair Credit Reporting Act, 15 U.S.C. 1681c ( a ) ( 4 ) & ( c ) ( 1 ) from the date of its alleged delinquency, and should be removed IMMEDIATELY. In addition, XXXX XXXXXXXX XXXX XXXX has violated the FDCPA by sending incomplete debt collection validation information. 


Alleged Creditor : XXXX XXXX XXXX XXXX Alleged Account Number : XXXX Alleged Debt : {$290.00} Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the Fair Credit Reporting Act, 15 U.S.C. 1681c ( a ) ( 4 ) & ( c ) ( 1 ), the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. 

By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. 

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

Experian, XXXX and XXXX are attempting to suppress my Credit Score, Credit Report and my FICO Algorithm by Not reporting ( ACCURACY ) as required under the FTC and you CFPB 15 U.S.C. instructional directives for Fair Credit Reporting Act, section 1681 & 1682. Tradeline, account ; XXXX XXXX XXXX, account ending XXXX balance was paid and there isn't a {$2000.00} balance. XXXX XXXX, loss mitigation with XXXX XXXX XXXX along with the VP of the Credit Union, XXXX XXXX has assured me that they have Reported this account as a PAID, XXXX balance as of XX/XX/2024 for which I paid as a XXXX Consumer. Also my Vehicle with Associated Credit Union is being suppressed as well in it's intentions by Experian, my high credit is {$27000.00} the balance is {$13000.00}, this is a charge off account, there are No Terms, there's no {$590.00} a month payment due, there's no 60 month. I need both XXXX, XXXX and Experian to get their Discriminatory knee off my Consumer neck as a XXXX Consumer in their attempt to suppress my Credit Score, Credit Report and FICO Algorithm by Not reporting ( ACCURACY ), I see the threat, but I Fight Back, undo this apparent threat ( you ) the Consumer Financial Protection Bureau. Also there's a XXXX account on my Credit Report showing a {$63.00} balance owed, this is a secured credit card, I never had a balance on this credit card, I spoken with XXXX on several occasions and they've confirmed that they've never Reported a Balance due on this account, Experian undo your Threat to me personally as a XXXX Progressive Consumer with eyes to see and ears to hear. Also there's an account, XXXX XXXX XXXX, Collection account, Not a other account too, but these criminals are Reporting both in the Algorithm cycle with intentional efforts of suppressing my Credit Scores, but I FIGHT BACK as a XXXX Consumer. Bottom line, Experian take this Collection account out of the Other section of my Credit Report, I see you and I see what you are doing and attempting, but again as a XXXX Progressive Consumer, I FIGHT BACK like exposing you criminals with the CFPB, I would handle this in XXXX XXXX, but I've got 2 in front of you criminals, see I'm Not interested in these XXXX XXXX and Nationalist tactics against me as a XXXX XXXX XXXX. EXPERIAN I'm on to your threat and your Game, but leave me alone, Stop with the XXXX XXXX  threats, I FIGHT BACK but only in the Courtroom.
Product: Checking or savings account

This is related to Complaint Number XXXX and XXXX. CapitalONE responded that they did not deduct the " foreign deposit '' fee from XXXX XXXX XXXX # XXXX and XXXX. Both checks are USD checks for the same amount- {$14000.00}. Both checks were mailed to CapitalONE for deposit. Both checks had {$62.00} " foreign deposit '' fee deducted from them. 

Both I and the company issuing the check, XXXX XXXX XXXX, have spoken with XXXX XXXX bank. They advise that they DID NOT deduct service fee from the cleared check. Copies of the cleared checks from XXXX XXXX are attached showing that the cleared the check for the full amount. 

I am requesting documentation for where/who is responsible for the deductions from both of the deposits and the return of that money to my account. Somewhere in the back office processing of these two deposits money was deducted. I want to know where in the process that happened.
Product: Money transfer, virtual currency, or money service

I order a moving service to move me for {$50.00} per hour. The moving company asked for {$90.00} to deposit and I used CASH APP and sent the deposit. The moving company never showed up. I contacted CASH APP immediately. Two days later they said they already gave the money to XXXX XXXX and would not help me or provide his banking information so I can file a claim with his bank for fraud. 

I received their legal terms from their website regarding fraud. https : //cash.app/legal/us/en-us/tos VIII. OTHER LEGAL TERMS 1. Recovery of Funds You give us permission to recover amounts you owe by debiting funds available in your Cash App account or any other account you may have with Square. This may involve us making attempts to recover less than the full amount you owe to us. We might contact you or take other legal actions to collect amounts due.

You authorize Square to recover funds from you in accordance with these Service Terms and any other agreement you have with us, including if you owe amounts to us or for reason of fraud or illegal activity. 
You authorize Square to debit, charge, setoff against and otherwise recover funds from your Account, your Cash App Balance, any Eligible Bank Account or Eligible Credit Account, any connected Square Account, any Balance ( as defined in the Payment Terms ) or any Reserve ( as defined in the Payment Terms ) if applicable, and any payment instrument, linked bank, depository and other account registered in your Account. Your authorization will remain in full force and effect until the later of closure or termination of your Account, or the disbursement of all funds held on your behalf. 
Further, in the event that any attempt to recover funds from you should fail, your authorizations hereunder include your grant to Square of new, original authorizations to recover all or less than all of the amount you owe us or belong to us. You authorize Square to take the above steps without prior notice to you and irrespective of ( i ) whether we have made demand under these Cash Terms, the Payment Terms, the General Terms or any other agreement you have with us ; and ( ii ) whether the obligation is contingent, matured or unmatured. Your authorization hereunder includes all authorizations to take the above steps in complete compliance with the Network Rules and the NACHA Rules ( as defined in the Payment Terms ). You agree that your grant of the authorizations hereunder has the same legal effect as if you had signed a paper containing the same terms. 
If Square is unable to recover the funds by these means, Square may attempt to contact you or may take other legal actions to collect the amounts due, to the extent allowed by applicable law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is result of identity theft. I did not provide written permission for the identified transactions on my report. I am requesting that is information be blocked and deleted. My request to block and delete is not being made in error, nor is my request being made on the bases of a material misrepresentation of the fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions made by me as the consumer.
Product: Credit card

HAD AUTO PAY SET ON BANK OF AMERICA CREDIT CARD XX/XX/XXXXXXXX XXXX  NOTIFIED PAYMENT NOT MADE WENT TO LOCAL BRANCH SAID CALL NUMBER PAY ON LINE DID CALLED TO FIND OUT WHAT HAPPENED TO AUTO PAY THE PERSON DID NOT KNOW AND COULD NOT SET UP AUTO PAY BY PHONE SAID GO TO BRANCH TOLD HIM I DID HE TRIED TO HELP ONLINE AND COULD NOT DO OVER PHONE IN THE MEAN TIME WAS CHARGED XXXX $ LATE FEE I HUNG UP
Product: Mortgage

Reverse Mortgage heir payoff. My mother and Father have both passed away. The house is in need of repairs. I started moving things out of the house and making repairs. All roof and plumbing leaks have been repaired, but I have run out of time so I requested a payoff. Then I found out about an heir payoff and had to resubmit a request again even though I have the same name and they knew I was a son. The way I understand an heir payoff is it is the lesser of the loan balance or 95 % of the market value. The pay off I received is {$450000.00}. The new appraised value, even after market values in this area have risen and some repairs were completed is {$460000.00}. I understand the rules as 95 % of XXXX = XXXX which is less than XXXX. They insist that XXXX is less than XXXX so I need to pay the whole loan. This is beside the fact that it has taken a long time to get this information and interest keeps building. My brother believes he sent in a payback request back in XXXX 2014 with no response. Reverse Mortgage Solutions Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX.
Product: Checking or savings account

On XX/XX/year>, I contacted Credit Karma to inform them of unauthorized activity on my Credit Karma XXXX account. The debit card was canceled and another one was reissued. On XX/XX/XXXXXX/XX/2024, I got an email telling me that my account had been locked and was asked to submit identity documents. I knew my tax refund would be deposited to that account so I did as they asked and submitted my identity documents. On XX/XX/year>, my tax refund was deposited into my Credit Karma XXXX account and I realized they had not yet unlocked my account. I contacted Credit Karma to ask why my account was still locked. Two hours later, I received an email telling me they were closing my XXXX account and my funds in the amount of {$15.00}, XXXX would be ACH to my external bank account which I explained to them was closed. They sent my funds anyways and the funds were returned due to that account at XXXX XXXX being closed. I called Credit Karma back and was told they would issue a check for the amount above. The check was supposed to be issued on XX/XX/year>. As of today, I have still not received the funds from my account they closed and I have since then called them four times with no response as to when they will be reissueing the check. I also explained to them the funds were needed urgently for medical treatment. I am told the department handling my case is contacted by email only. There is no phone number to call to check the status. I need to find a way to have my funds issued to me as quickly as possible because I desperately need to start treatment. I need some of my funds to pay my deductible and my copay. I have explained this to them as well and they have not seemed to care nor understand the urgency of my condition.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of credit fraud my identity has been compromised. I don't recognize these inquires please remove from my account. I have a freeze on my report. Please remove these inquires please review the list below. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Dispute this XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MI XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX,, XXXX, OR XXXX
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH 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 the months that I was late 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, please delete my CLOSED credit cards on file, XXXX. XXXXXXXX XXXX XXXX reported on XX/XX/2022 XXXX. XXXX XXXX - reported on XX/XX/2022 XXXX. XXXX XXXX Services - reported on XX/XX/2022 My main address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE DELETE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and PLEASE ALSO DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced in XX/XX/2015. Every year the Bank says I have an Escrow Shortage. This year is the most expensive one they are asking me to pay. I am on a fixed income and this makes it hard for me when each year my payments adjust. The Bank said they do an analysis rather than an actual which makes it hard for me and they are already telling me that my payments will be going up next year. I wish I could regulate the payments and not owe an unknown lump sum each year.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

My privacy information and they have no right to share my information to another creditors and freeze my life and I been harassing every time I apply credit and they keep loosing my points they told me to verify only for credit score but is not in found out they freeze everything my identity after they check and I 'm a taxpayer and unable to get my credit report or credit score every month.
Product: Checking or savings account

I had a chase checking account that I have upgraded to Premier Platinum Checking in XX/XX/2018 and at the same time with the same banker opened a total business checking account as with the Premier Platinum Checking, it will have no monthly service fee on this account. It was confirmed with the banker when I open this account but yet a $ XXXX monthly service fee and Chase ACH Monthly Payment Fee $ XXXX/month was applied to this account when no ACH Payment was ever made with the account. 

No matter what I do after discovering this overdraft and NSF, I have had transfer funds between my personal and business account and try to cover purchase but as I am not able to log in every day to monitor or meeting the cut off time at times and once the overdraft started i.e it was 3 {$20.00} transaction overdraft 1st day being charged {$34.00} ( standard NSF fee ) *3 the max chase have set {$100.00}, even when I have covered the amount of the purchase by depositing {$60.00}, but because of the NSF fee, my account continues to overdraft, and many times I have deposited more than the amount to cover the purchases but because of the continue in debt of overdraft fee which many will not trigger if it wasn't for the unnecessary fee charged that supposed to be waived, it ultimately troubles me financially. Even on an item that was not paid, I was charged for returning the item? 

In this past year, I have been charged in total over {$1200.00} which in my opinion over {$1000.00} of these fees are problematic. and over {$800.00} just from XX/XX/XXXX to today alone in my personal account. in the newly open business account, it had in total resulted in a loss in my account of over {$800.00} solely in fees. Some of these fees were refunded when I contact but many are not and I still continue to be charged this fee despite I was told ACH Payment service will no longer be active as I did not activate it. When the fees were refunded, they were not back dated as it was charged in error as otherwise some of these NSF would no longer even had been triggered that put me in this fee debt trap I am in right now
Product: Debt collection

I have XXXX accounts that keep reporting to my credit bureau after the accounts was paid in full