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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XX/XX/year> SS # : XXXX Subject : DISPUTE OF LATE PAYMENT INFORMATION To Whom It May Concern, I am writing this letter to formally complain that my previous request has been ignored and that you have failed to uphold reasonable procedures in your operations to ensure the highest level of accuracy in the credit reports you publish. The laws regarding credit reporting require that bureaus only report completely accurate credit information, and every effort must be made to guarantee the accuracy and correctness of the information being reported. 



ERROR IN THE INFORMATION REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please correct/update this inaccurate information on my credit report. 

It is imperative that this information be promptly removed from my credit report. It is not only inaccurate but also misleading, and its inclusion in your report constitutes a grave reporting error. 

According to federal law, you have a period of thirty ( 30 ) days to complete the reinvestigation.

Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file.

Additionally, I would like to remind you that, under Section 623 of the FCRA, information providers ( XXXX XXXX  ) are obligated not to report false or inaccurate information. Since I have not received a response to my direct disputes with the creditors, I am requesting that you, as a credit bureau, take the necessary steps to ensure the information on my report is accurate. 

Furthermore, in accordance with Section 611 ( a ) ( 6 ) of the FCRA, I request that you notify me in writing of the results of your investigation, and if any changes are made to my report, please provide me with a free copy of the updated report. I would also like to remind you that, should this inaccurate information not be corrected, I have the right to seek compensation for any damages caused under Sections 616 and 617 of the FCRA. 

Thank you for your immediate attention to this matter. 

Regards/Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

Account # XXXX Please help me cfpb Ive disputed this account multiple times with no results I was not given the option to buy back my car and they wouldnt give me information when the car would be sold dispite the fact I called the company multiple times for months according to the FCRA and Arkansas laws, borrowers have certain rights and protections. This includes the right to redeem their vehicle by paying the full redemption amount, which includes all outstanding debts, repossession costs, and the whole loan balance. Furthermore, borrowers have the right to be informed about the sale of the vehicle as well as the time and place of sale. Unfortunately, I was not given the chance to exercise my right to repurchase the vehicle by fulfilling my payment obligations and paying the outstanding balance. Despite my inquiries, this institution did not provide me with the required information and timeline to take advantage of this options which is a violation of my rights as a citizen and if not corrected legal action will be taken
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX account also known as XXXX XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This account is reporting inaccurately and is impacting my livelihood. This is a property management company trying to charge me for breaking a lease. All rent that was due was paid on time. Washington state law states that if I I feel unsafe or threatened I have to be let out of my lease. I have filed disputes to have this account removed from my credit report. Please provide proof from your investigation that this is a valid debt or please remove this account from my credit report.
Product: Checking or savings account

I just tried to access my Citi Bank Savings account since I received an email saying that the APY was increase on my account to XXXX XXXX. While I was trying to log in i receive a message saying that the account was inactive and that I needed to call a number. I proceeded to call the number and it was respond by a call center in XXXX. They got my info and transfer me to a different department. After doing so, an agent responded by saying that my account was terminated and that they couldn't talk to me anymore and just hung up on me. I tried calling again and requested to talk to a supervisor in the US. They trick me and pass me over to another agent in XXXX that had less of an accent but still was not American and when I caught them on the lie they just told me that they didn't have any employees in the US. Please not that this is a US bank that hold $ XXXX of my money. That person then passed me over to a " supervisor '' in XXXX and this guy told me that my account was closed and that I should be able to get my money back within XXXX to 60 days. 

This is unacceptable. This is all the cash I have and this people think they can just hold it from me? I need to make a $ XXXX payment on friday that will result on a penalty if I dont and Citi Bank wont even pass me over to US representative to give me a solution or at least an explanation? 

How is it possible that one of the largest banks of North America dont have a single employee in the continental US to address this type of issues that are time sensitive. This has to be illegal one way or the other. I have no issues now or never had any discrepancies or issues with the IRS. I don't have kids so I don't pay child support. The only institutions that can freeze my money is the federal Gobverment and thats no the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens bank loan, now owned by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has me served papers by Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am on a monthly payment agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to pay off this debt. I am in the process of trying to obtain a mortgage and repairing my credit. I pulled my report from all 3 credit bureaus and the monthly payments are not being reported and the new balance is also not being updated every 30 days after I make a payment. I have attempted to send certified disputes and called citizens bank, XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and after 4 monthly payments my 3 credit reports are still not updated. They can not report an incorrect balance until it is paid off. This continues to show higher amounts than what I really owe after I make my monthly payment. I have other charge off accounts that are on payment plans and monthly payments and balance is updated monthly. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has informed me that they do let XXXX XXXX know every month when a payment is made because this is under a stipulation agreement with the courts and if I do not pay monthly it will turn into a judgment against me and as I am trying to repair this I do not want a judgement and have made my payments ever month. Please call XXXX they will verify my payments.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX CARD XX/XX/XXXX {$6800.00} XXXX XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX   XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. 
My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

In XXXX of XXXX, I viewed my credit report and noticed a collection account from a Third party collection agency " Diversified Adjustment ''. 
Between XXXX XXXX, and prior to those dates. I never received a bill, text or email from XXXX or Diversified Adjustment ; stating that I owed {$140.00}. I NEVER rec 'd any notification or correspondence at all. 

Which best describe my problem? I never rec 'd notification of this alleged debt. 

Have you already tried to fix this problem w/the company? No, the company " XXXX '' forwarded it to the 3rd party debt collector and CRA 's .
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX I have been sending dispute letters regarding accurate reporting for certain accounts. By law, because you have reported these inaccuracies on my credit report and I have sent you a letter regarding this matter you should remove the account reported. It has hindered me from attaining a home loan and has ruined my reputation. 

The companies have either neglected to respond or responded with updated information instead of deleting the inaccuracy in which there are required to delete. The damage is already done to my credit. They have reported Charged off Accounts that have not only been fully verified but also remarked as charged off, but appears to show a Past due balance, inaccurate dates, and incorrect amounts owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a investigation letter to XXXX, Equifax and XXXX to please investigate every piece of information is correct and 100 % accurate if not please remove it from my credit report.I got the results and The credit bureaus stated that these accounts XXXX XXXX account number XXXX and XXXX XXXX also knows as XXXX XXXX and XXXX account XXXX is 100 % accurate but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 14 U.S.c 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I havent give these accounts written permission to furnish these account on my credit report 15U.S.C 1681 ( A ) 4 states there is a need to insure that consumer reporting agency exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy. 15 U.S.C 1681 ( I ) ( 5 ) treatment of inaccurate of unverifiable information They didnt do the proper investigation.If after Reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not verified, the consumer reporting agency shall promptly delete the item of information from the file of the consumer or modify that item of information as appropriate base on the results of the Reinvestigation. I called each credit bureaus 3 times to let them know they or in violation of these accounts and delete them immediately they said no. I dont want dispute these accounts I want them deleted plus a XXXX dollars per violation I have challenged and dispute these accounts 4 times they are in violation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

US Bank charged {$280.00} in fees in interest past the {$500.00} of credit card debt. That is over XXXX XXXX of what is actually owed on the card. This should be illegal. It is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this inaccurate account on XXXX of 2020 with all three major credit bureaus, ( XXXX, Equifax and XXXX ). The account I disputed was XXXX XXXX and dispute reason was that this closed charged-off account is adding interest to the account. By the FCRA, I believe this is a violation. I asked for this account to be deleted immediately and neither one followed the fcra laws. So I'm contacting the cfpb to get involved and help with this issue.
Product: Credit card

On XX/XX/year> a hard inquiry was done on my credit but did not go through because I have a credit freeze on my account from past identity theft. I spoke to capital one support and they told me it was fraud and it would be removed off my credit report, fast forward 2 months and it's still there. I tried to dispute it through the 3 credit companies and it said that capital one verified it as accurate. How is this accurate when I didn't apply for a credit card. I also filed a complaint with the XXXX  but haven't heard anything back from capital one. I want this removed off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXL-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over XXXX days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

On XXXX I received a solicitation in the mail from XXXX XXXX stating that I could " Get this XXXX XXXX XXXX '' when I start a new line with them, " select XXXX, and pay monthly ''. This mail came in my name to my house. I currently receive internet services from them. So, when I try and sign up it still wants me to have a credit check ran even though I am financing {$0.00}. This makes no sense to me but I proceed. Then Citizens Pay Says " Unable to proceed with device payment plan ''. Then they want {$800.00} for a free phone. I wasn't signing up for a payment plan I was simply trying to get a FREE PHONE that was advertised to me specifically. I feel this is a misuse of checking my credit and causing unnecessary activity on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Product: Prepaid card

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX, serviced by XXXX, XXXX. Upon trying to use my card, XXXX 's fraud prevention system locked my card. 

On XX/XX/XXXX, I contacted customer service, and they started case XXXX. As requested, I sent the front and back of the card, and the receipt to XXXX. 

I've since contacted their customer service again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I don't even think that they're opening the emails because the case is " Closed '' according to the customer service agent. The agent has no way to reopen the ticket, but can only suggest I resend the documents.
Product: Checking or savings account

In 2018 when I opened an account with santander bank headcourtered out of XXXX, I was told by the associate at the XXXX, Pa branch, XXXX that I could not enroll in no overdraft even though that is what I wanted to do. 

Since then I have been struggling living paycheck to paycheck and they treat me like a criminal any time I ask to have an overdraft fee reversed for an item paid. 

They even let a transaction go through and get sent back 13 times just to get a returned item fee each time adding up to over {$400.00} of MY money that they think is theirs. 

Please, this is my last hope. I just want all the fees reversed since I never wanted this service and I was lied to that I had to use the service even though I blatently said I want things declined. 

I spoke with the manager XXXX XXXX and he said I agreed to this service and that I owe all that money because of that even though they accepted and rejected the payment over a dozen times.
Product: Money transfer, virtual currency, or money service

Two separate emails that are made to look like they originate from paypal. 

Email came from " XXXX '' XXXX stating I had a balance with XXXX XXXX. The first email said the balance was {$790.00} then it was updated to {$1300.00} A second email from " XXXX '' XXXX stating that I had a balance with XXXX XXXX XXXXXXXX amount was for {$890.00} the other for {$980.00}. 

They even include phone fraud phone numbers.
Product: Student loan

I believe the account is invalid. DPEDNELNET needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.DPEDNELNET XXXX
Product: Debt collection

I have tried numerous times to remove this fraudulent debt from my credit score, but to no avail. I have submitted petitions and requests to XXXX, but have received no response. This debt is not mine and the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Product: Debt collection

I believe the account is invalid. LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be remove from my credit & their records. LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX