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

XX/XX/2024 RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX XXXX XXXX account XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with Experian and XXXX, it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in XXXX XXXX. XXXX and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, Experian has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that XXXX and XXXX have already acknowledged and corrected this error, I expect XXXX to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints. 
Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the General Debt Cancellation from the IRS. 
Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.
Product: Vehicle loan or lease

On XXXX XXXX I went to apply for a commercial loan for my business and they denied me for assumption that the car will be getting used for XXXX or rental purposes. My account I have with them currently isnt being used for XXXX. I offered to show them valid proof that they arent and they declined. I called and spoke with XXXX XXXX at Ally Financial and he explained to me thats the reason for my denial. He also stated that because I have 2 cars thats commonly used on XXXX, which mines arent listed on there, that brings a red flag. My cars are used for employees at my establishment at the salon. This is my second attempt trying to purchase a vehicle in my business name and getting denied because of them assuming Im going to use it for XXXX
Product: Checking or savings account

Lets just start off by saying I HATE PNC BANK! XXXX have THE worse customer service EVER. Lack of knowledge customer service agents, call avoidance, just everything is all wrong! They are the worse to communicate with. As soon as I find time to open another bank I will do so! They reverse dispute credits and put your account in negative and charge fees for every little thing! And then lie about why the charge was reverse! Extremely hard to speak to an higher level of support! Dealing with the customer service agents makes my XXXX XXXX rise! They put you on extended wait times without checking in. This is a corruption!
Product: Bank account or service

I have been a victim of identity thief for 4 1/2 years now. I have been reported by XXXX and XXXX and I was n't not able to open the account for very long time. 
I tried to solve the problem with XXXX XXXX, Chase, XXXX XXXX XXXX through out the whole time and they have been saying I need to wait XXXX-48 hours everytime I call and find the status. that XXXX48 hours have became over 4 years and still not have been solved. 
recently I wanted to really solved this problem and ive been filing complain everywhere and somehow I finally got intouch with the investigator directly. and started to solved some issues. I got a respond back from early warning saying that they have removed the report and told me that I will be able to reopen the bank account now with the deletion letter they 've sent me. So I went to the bank and I was able to open the account. But right next day I opened the account, XXXX XXXX bank have freezed my account and they will not let me withdrawl my balance or deposit. And also Chase bank have randomly informed me that they will not have business and it is not a matter of XXXX or XXXX report. The reason was " they just do n't want to, and they can not tell me what the reason is '' and they also said " they always have right to refuse or discontinue the relationship with customer. I want to know what the main reason is so that I can fix this issue, and have my normal life back.
Product: Mortgage

To whom it may concern, my mortgage is due on the XXXX of each month but I have a grace period of to the XXXX of the month. Intercap Lending Inc has me late on my credit report which is affecting me from being able to refinance with the company I wish to. In XXXX 2016 I had a hardship and my church paid my mortgage and the check cleared on XXXX XXXX. I have also never been 30 days past due for them to place this on my credit report. I believe this is in retaliation because I advise them to take my ex-husband off my deed and when doing so they stated I would have to refinance. Although I told them my divorce decree shows that I have been rewarded my home they stated that I would have to refinance. I am asking that they remove all negative late marks on my credit report immediately so I can refinance with another company. If they are stating that I have been past due over 30 days they should also be able to supply proof in which they received payment from me and my payments cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

I submitted a dispute on XXXX XX/XX/XXXX. On the XXXX business day I submitted it in writing. But no provisional credit and was dismissed because someone in their dispute department had submitted a fraudulent statement on my behalf. So now they opened the case back up but because of the time frame I am disqualified from receiving the temporary credit? That's shady as XXXX. They said I had my card at time of transactions. This was false and I reported nothing like that. Every phone call I explained that the last I seen it was at XXXX XXXX and my original call on the XXXX was to order a replacement. I didn't even know anything was spent until they told me. I woke up couldn't find no where. I XXXX looking so I called to order new one. Good grief this was on purpose. 


Be advised I just submitter last XXXX of card number
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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the list of the inquiries that are erroneous in my file and need investigation : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  via XXXX XXXX  was authorized to only do a Hard pull on my credit report once on the date of XX/XX/2023 XXXX XXXX  via XXXX XXXX  did a second hard pull WITHOUT my permission on XX/XX/2023. This hard pull was unauthorized
Product: Payday loan, title loan, or personal loan

I am XXXX years of age. I discovered that One Main Financial has charged me for unemployment insurance a few months ago. I have requested ( on XX/XX/XXXX ) that they refund these premiums since there would have been no coverage because of my retirement and age. In addition, my original contract with the lender required a reduction of interest as long as payments were made on time, which I have done for the last several years. However, there has been no reduction and, therefore, I was overcharged interest on this account for a number of years. I requested that this be done in my correspondence to them on XX/XX/XXXX of this year. As of this date, I have received no response to my requests for these refunds and I believe they have elected to ignore my request.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX. I have been calling American Express for months trying to tell them that I can not afford the payment they are asking for. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX over the summer and have extensive medical bills. I have no other assets or income other than my social security payment. I have held this card for many, many years and they have not verified my income in over 10 years. They afforded me credit in the past few years which put me in a bind. I can not pay the bill and I called to try to get a lower interest rate and payment through their financial relief program, which advertises lower interest with lower monthly payments. Both options they provided to me do not lower monthly payments so I can not sign up for one. They won't help me get to a payment I can afford and said they will report to the credit bureaus and they will ruin my reputation. I just want to pay the bill monthly with a lower than {$100.00} payment and I'm not expecting the card to stay active, that's ok. What do I do?
Product: Vehicle loan or lease

Please refer to your XXXX. This account is for a XXXX car lease through Hann Financial Service from XXXX XXXX. 8 years ago. I was put into collections because my last payment was for {$490.00} instead of {$490.00}. That is a difference of XXXX cents. I have two children in college, and this is continuing to hurt my credit with all three credit agencies. 

PLEASE NOTE : This was already resolved and removed from all credit reports 2-3 years ago. It is suddenly reappearing. It should not be!
Product: Credit reporting or other personal consumer reports

Fraudulent charges were made to accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX.
Product: Credit card or prepaid card

On XX/XX/2023 there was a transaction made on my Citi Bank account in the amount of {$2100.00} with XXXX in XXXX, XXXX. The transaction was a mistake given issues on the companies website and within minutes I called Citi Bank to cancel the transaction. I was told that it had been declined, however that if it went through that I shouldn't worry, that they would take care of it and cancel the transaction. The person I spoke to then instructed me to submit a claim. 

Additionally, I stayed at another hotel on those exact dates charged to that same credit card, which is another proof point of why I would have never used the services of XXXX. 

Immediately, I submitted my claim and was given temporary credit, while the situation was investigated. I communicated with various different people and on XX/XX/2023, I was told that I was found responsible. I then called again and resubmitted information to reopen the investigation and was told that they would reopen the investigation and that I would hear back again and that I shouldn't worry, that I would be taken care of. 

In the dispute center, on the online app, it currently reads that my situation should be resolved no later than XX/XX/2023 and I called today XX/XX/2023 to be told that there was nothing that could be done for me because the merchant of the hotel ( that I never stayed at ) had been credited the money. Through earlier conversations with Citi Bank employees in XXXX, this was never communicated to me. 

Throughout this entire process, I spoke to someone named XXXX located in the XXXX, XXXX located in Arizona, and XXXX based in the XXXX as well as several other people. 

I'm extremely frustrated with this whole process and have never experienced anything like this with any of my other credit cards. Given that I was not given adequate communication, assistance or support through this, I decided to cancel my credit card with Citi Bank and will never again reopen. 

There was a lack of honesty, transparency, and customer support on behalf of Citi. The moment I called, minutes after this transaction was made by mistake, I was told I would be taken care of and that the transaction would be cancelled. However, each time I called I was given different information and clearly given inaccurate information and transferred to different people. 

As I was closing my account, I was told by someone named XXXX that I would be getting a {$99.00} credit given my experience, which was extremely insulting and disrespectful.
Product: Debt collection

Wakefield & Associates shows that they have 2 different collection accounts both originating with XXXX XXXX. This is NOT correct. I only have 1 account in the amount of {$2300.00} dating from XX/XX/2022. 

Wakefield & Assoc shows that I have 2 accts/collection amounts : 1. {$2300.00} datedXXXX 2. {$2300.00} dated XX/XX/2022 This debt is listed twice but is the same debt. There should only be 1 collection amount, NOT 2. 
I have disputed these accounts 4 times and even wrote them a letter but they refuse to correct their records. 
This is illegal and unlawful to do to a consumer. They call several times a day harassing me for this money. 
I am requesting that Wakefield & Assoc remove this from my credit report. This is fraud against me and I am asking this be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX about a fraudulent company, XXXX XXXX XXXX, based out of XXXX who were improperly handling thousands of consumers accounts and charging clients fees to lower student loan payments. From high fees to improper usage of student loan accounts, the company ran by XXXX XXXX defaulted on a lot of clients student loans from not properly documented student loan information. XXXX has been featured in the news as a fraud : XXXX XXXX  XXXX I have contacted XXXX XXXX and have asked the late payments to be deleted as I was unaware of them until months after it appeared of my credit report. Unfortunately, they referred me back to XXXX XXXX who has yet to return a phone call. These late payments are greatly impacting my credit score and causing XXXX as I am wanting to purchase a house soon. Please help me remove these reported late payments from my credit report. I feel as though as my rights are being violated due to being victimized by a fraudulent company.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed some incorrect addresses. I found your website and have enclosed proof of my current address as required. Please remove this incorrect address : XXXX XXXX Av XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXXXXXXXXXX XXXX : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any inaccurate information that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not information relating to any transaction by the consumer. Here are the list of inaccurate information that needs to be remove : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$430.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$11000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$320.00}XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

the paypal company has permanently limited my account and frozen my funds for more than a year, they told me that after XXXX days I could send my money to a bank account but they continue with the mystery of not knowing when I could make it said action, paypal withheld my direct deposit of {$2300.00} dollars as of XX/XX/2021, and to date more than XXXX days have passed.
Product: Debt collection

I get paid bi-weekly, and there are times i make my payment a couple days late from my due date but I always make my payments within the month. Example : payment due on the XXXX of every month i get a text/call/email on that day from my lender, the next day they call me again text/email/phone, third day they will threat they will start calling my reference to if i dont call to make a payment. I dont understand why this lender threat me every month when i make my payments, i have never miss a month of payment with them. I need this to stop. they call my phone/email/text me and then do the same to my husband i have emails/text from them and they are not professional at all.