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

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : [ Date of Charge-Off ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly ( 120 ) days late on the XXXX XXXX account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages 5, 6, 7, and 8 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate and Unlawfully Furnished Information on Credit Report Dear CFPB Representative, I am writing to formally dispute inaccurate and unlawfully furnished information that appears on my credit report. I request the deletion of the following accounts due to multiple violations of the Fair Credit Reporting Act ( FCRA ) : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  ( Also known as XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I reviewed my XXXX credit report on XX/XX/year>, and found the above items to be incomplete, inaccurate, and in violation of the FCRA. Under the Act, specifically 15 U.S.C. 1681 ( e ) ( b ), consumer reporting agencies must ensure the maximum possible accuracy of the information reported. Moreover, 15 U.S.C. 1681i ( 5 ) requires that if information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the information must be deleted or modified promptly. Additionally, 15 U.S.C. 1681s-2 prohibits furnishing information to a consumer reporting agency if it is known to be inaccurate.

I request that the CFPB investigate these violations and ensure the immediate deletion of these accounts from my credit report. Please notify me in writing with the results of your investigation. 

Thank you for your prompt attention to this matter. 

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

I requested information regarding the account Kikoff -XXXX and have not received anything. 

Please have this company upload the following documentation : Last 12 months of my billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. XXXX, allocation of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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.
Product: Checking or savings account

Unauthorized transaction of XXXX $ USD tried to get it canceled they told me to wait until its posted. It posted on my account and i filed a claim and it was denied tried multiple times to have this appealed nothing but a run around regarding my money
Product: Credit reporting or other personal consumer reports

Equifax was tasked with investigating and running disputes for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After making arguments about a disputes items being investigated incorrectly I was transfered to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from XXXX 4. Received fraud reports 5. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and Equifax admitted to not running disputes at FCRA standard as previously stated and this is verified by the recent removal of XXXX XXXXXXXX. They refused to investigate that file for 2 years even while being requested to do so
Product: Debt collection

I have sent letters to each of Citi Bank or Citi Card notifying of their client 's financial hardship ; due to emergency illness and change of living lifestyle. I requested forgiveness for her loans. Data was sent via certified mail -- indicated missing a page of POA document. The clients have three separate accounts with Citi Card, the names of the companies are as follows : Macy 's which offered a settlement. I followed their required protocol by resending the POA data and giving them their 3- 5 days processing to upload information with no avail as of XX/XX/2019. It will soon be a month of second a second submission data per them via the fax on XX/XX/2019. The second submission documents were sent by overnight postal mail. The Home Depot sent the same methods ; they give me the mailing for the second POA submitting office but refused the overnight letter, sending it back return to the sender. Sears never responded to my inquiries but received a signature certified mailing. I will be visiting the XXXX postal office to find out what happened to the overnight letters to Macy 's and Sears. Citi Card should be reflect all accounts open in their system. I stated to them it each of the companies received the mailing it must show in their system. This Client is  going on XXXX- still get credit increases.
Product: Credit reporting, credit repair services, or other personal consumer reports

They haven't removed the card from my report as promised. I have a police report i submitted to them and they still haven't kept they word.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  2017  I pulled my Credit Report I noticed on my Transunion report that I had a new hard inquiry that was submitted by  XXXX   XXXX  for something called  XXXX   XXXX   XXXX . I am in the hombuying process so I knew for a fact that I did not apply for any new credit. I called  XXXX  and was informed they would send me somehting in the mail that I never received I called them again today and was told that this error showed up on a few people reports and it had nothing to do with  XXXX  it was a Transunion error. If transunion know it 's not correct information why did'nt they correct it. My issue is that I close on the  XXXX  and now my mortgage company is asking me about a new credit inquiry that I dont have an answer for. I need them to correct this ASAP before I possibly lose my house and not have a place to stay because I did not renew my lease and this error was at no fault of my own.
Product: Credit reporting or other personal consumer reports

I was completely blindsided this morning when I saw incorrect accounts on my credit reportI have no idea how they got there. I check my credit report regularly, and suddenly, these mistakes appeared. I tried refreshing my browser, hoping it was just a tech issue, but nothing changed. The errors remained, and now XXXX really worried. XXXX asking that the documents I sent be thoroughly checked so I can stop worrying about this happening again.
Product: Credit reporting or other personal consumer reports

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. The inquiry was unauthorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete it from my credit report. 

2. The inquiry was unauthorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete it from my credit report. 

3. The inquiry was unauthorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete it from my credit report. 

Close Paid as agreed on time I was never late and this is inaccurate and an FCRA violation.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts listed below is in violation not reporting 100 % accurate.

1. XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

2. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Update this account to paid on time. 

3. Delete this unverified and inaccurate account. 
XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

4. Delete this unverified and inaccurate account. 
XXXX XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

5. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

6. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

7. Delete this unverified and inaccurate account. 
XXXX  XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

8. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

9. Delete this unverified and inaccurate account. 
XXXX XXXX  XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

10. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

11. Delete this unverified and inaccurate account. 
XXXX XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

12. Delete this unverified and inaccurate account. 
XXXX  Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me.
Product: Debt collection

Discover Bank did not adhere to my requested invoice/remedies as they have violated me under the Fair Debt Collection Practices and Truth in Lending. I have resent documentation giving them an opportunity to cure this invoice yet again. I am a federally protected consumer and Discover Bank has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review the attached documentation.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Equifax credit report and I can still see unauthorized and fraudulent inquiry. I'm a victim of Identity theft and I have not initiated any transactions with this company.
Product: Credit card or prepaid card

i had my credit card payment for capital one on auto pay. it was scheduled to auto draft on the XXXX of each month. upon reviewing my credit report, XX/XX/XXXX and XX/XX/XXXX show late payments, i always check to see the draft take place inside my bank account. it did at that time. money said it was pending. then i looked at report and it showed a late payment. i called capital one and they said auto pay didn't draft and they failed to let me know both times. capital one said there is nothing they can do about it and are unwilling to take fault for auto pay not working correctly. i believe this is extremely unfair because it is damaging my credit report and im trying to purchase a home for my family. im unable becuase of these negative remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information might have been impacted by the XXXX data breech and may have gotten into the wrong hands. Many unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Consumer Protection Bureau This is a complaint against Citibank Credit Card. I called on XX/XX/2020 at XXXX XXXX. and was transferred to XXXX # XXXX. The phone number was XXXX. He stated the call was recorded. This is my issue. 
Four years ago we missed a payment to Citibank. One month later I was contacted by phone for the {$130.00} that was due. They stated there would be a penalty of about {$10.00}. I paid this balance over the phone in full at that time. Citibank had a wrong email address for us and said then they corrected it, after they talked with us. I have no issue with this. 
We recently applied for a mortgage and this late payment, that was filed by Citibank, damaged my credit score. This is the only late payment I had made in over seven years with Citibank and was an oversight, partially, because we were opening a Cit Bank and there was some confusion on bill paying. I then applied for a good will adjustment from Citibank in XXXX of 2020. The response was, legally we cant change this at the credit bureaus, if youre late, youre late, and there would be no adjustment. They did not address my good will adjustment request. 
When I called on XXXX XXXX, 2020 I asked Mr. XXXX # XXXX, if I had been treated fairly in the good will adjustment policy? I asked, was there a policy? He stated, we have no good will adjustment policy. I then asked, do you ever make a good will adjustment on any account? He said, yes, we do make good will adjustment account, but its on a case by case basis, depending on the reason and the review. I asked, what is a qualifying reason? He stated, it depends, it based the size of your account. We make adjustments and look at the reason depending on how valuable the account is. 
I understand that Citibank is a business and youre going to be treated better if the bank makes more money on your account. You may receive concierge services, but to legally damage people based only on the amount of money they make for Citibank is a gross discrimination. Everyone should have a fair shot at a good will adjustment and should not be based only on how much money Citibank makes. 
I would ask you consider demanding that Citibanks good will policy be formalized and not be allowed to be used in a discriminatory fashion, based solely on the size of the account. 
When I called I said that, before I filed a complaint with the Consumer Protection Bureau, this was a Good Faith Effort to resolve this complaint.
Product: Credit reporting or other personal consumer reports

EVERYDAY IM GETTING UNAUTHORIZED ALERT ON MY CREDIT REPORT REGARDING INQUIRIES THAT IM NOT EVEN DO OR AWARE OF PLEASE I WOULD LIKE TO REMOVED ALL OF THEM OFF MY CREDIT REPORT THAT WAY I CAN MOVED ON WITH THE HOUSE IM TRYING TO PURCHASE... .THANK YOU MAY XXXX BLESSED
Product: Credit reporting, credit repair services, or other personal consumer reports

I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report.. XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ,
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS
Product: Credit card

I have a credit card account with Best Buy and their processing issue caused my payment to show up as late even though I provided proof that I sent the automatic payment within the needed time frame just as I had for the previous year. They have added negative items to my credit report due to their error and I would like them removed. I feel that their business practices made it so that my payment would show as late and they could collect a late fee they were not entitled too.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I spoke with Sallie Mae about my loans, indicating that I want to qualify for the PSLF program, and was told that I had the correct type of loan for forgiveness but none of the forms were created yet for the program as you need 10 years to qualify. I was told that being in forbearance wouldn't hurt, as it is a type of repayment plan multiple times then and until XX/XX/XXXX. 

My loan was transferred to Navient when Sallie Mae was defunct. I called them when I was transferred, and they assured me that utilizing income sensitive repayment options and/or the lowest payment amount, which at times was XXXX $ a month in forbearance, was fine for the PSLF program. 

In XX/XX/XXXX, after re-applying for income sensitive repayment again, I called again, and indicated that I could afford some payment and did not need a full forbearance, and they told me that I qualified for forbearance, and so that is the best thing for me to do. I asked what would happen if I sent payments anyways, and they said, basically nothing, because the balance and interest was so high that sending XXXX-XXXX $ a month wouldn't do any good, and wouldn't change my plan. At that time I was first told that I was not in a program that would qualify me for the PSLF program, and that in order to qualify for that program, I would have to re-consolidate my loans and have my husband co-sign them. She indicated that she was only telling me this because now she was " legally obligated to do so. '' She indicated that once I reconsolidated I could get into the right program but it would be 10 more years before I qualify, and as it has been 2 decades since my first set of loans, she didn't recommend it as I would be at the 30 year mark anyways. 

I have worked for public agencies with lower pay than public agencies, in public service, since XX/XX/XXXX. I have no idea how many " qualifying payments '' were made, as often the forbearance was the only option given to me. I suspect that I made roughly 6 years of payments in plans that don't qualify me for the program, and my debt is now over 200,000 $ and my interest rate remains over 6 %. I have been unable to get any clear information about what plans do qualify for the program, and any information from Navient. I don't understand why my husband would have to co-sign my student loans in order for me to qualify for a program that I should already qualify for due to my years of public service. There is no where to turn for answers as Navient is not doing their job.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc . ) due to inadequate customer and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App, failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Further more their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.