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

This is my fourth try to inform you that I am a victim of identity theft and I complain to question particular item in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference XXXX : XXXX Liability : {$0.00}
Product: Credit reporting or other personal consumer reports

I disputed a account thats on my report from XXXX on XXXX throught the credit bureaus. But they were taking so long to do any type of resolution I just went into XXXX myself to pay off the account to resolve the matter. I dont care that its not mine and I know its fraud. its such a little amount bringing down my score. When i wen into the branch on XX/XX/14. They said they have no record of the account. Not on my name or the joint owney they say on there. How can the bureaus verify and account when the bank thats reporting it cant even pull it up? Ridiculous
Product: Debt collection

this company committed the HIPPA violation Whom it may Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from XXXX  XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. its a HIPPA violation I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
Product: Debt collection

I received a letter in regard to old debt. I notified the Creditor in Writing of a dispute instructing them I wanted Proof of the agreement to pay the creditor, a copy of the final account statement, a breakdown of total amount dues, and date and basis of the charges. 

The company has not responded in writing as requested, and as such has reported this as a negative item to the credit bureau. My request was mailed within the initial 30 day time frame to dispute the debt. They also have not reported the account is in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was lied to on XX/XX/2021 by a Target XXXX XXXX XXXX employee during a phone call interaction regarding my account. I asked Target XXXX XXXX XXXX Fraud and Guest Relations to pull and listen to that phone call, so they could see how the employee deceptively had me take actions on my account that did not properly impact my account as she indicated it would. I have my account in a status I did not want, which is due to the interaction with that employee back on XX/XX/2021. Target XXXX XXXX XXXX and Guest relations continue to refuse to help and I've done all I can so far. I also now have a 30 days past due mark on my Credit Bureau reports for XX/XX/2021, which I'm really frustrated about, since I've always maintained 100 % payment history. This is now back to current as of XX/XX/2021. 

This was all caused by a deceptive employee and the interaction whom Target XXXX XXXX XXXX and Guest Relations continue to refuse to investigate further. I've contacted them every few days since this occurred back on XX/XX/2021 to try to have this resolved but, they just continue to refuse to. Please help correct this, since they refuse to assist and this has now impacted my credit payment history from 100 % to 99 %. I take these things very seriously and am very unhappy by the deception and what I would even consider fraud by that Target XXXX XXXX XXXX Employee on XX/XX/2021. Thank you.
Product: Student loan

I have tried multiple times to contact anyone working at Nelnet. The website is awful with multiple pages broken and direct people to customer service. However, when calling customer service nobody answers the phone even after being on hold for almost two hours! This is a terrible, terrible company. Please go read the hundreds of complaints and stories just like this on thier XXXX XXXX. How am I suppose to make my payments in XXXX when I can't even reach anyone at Nelnet?
Product: Credit reporting 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  has violated my rights. Or a list of inquiries : 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: Mortgage

According to the terms of my mortgage, I am able to make payment between XXXX and XXXX of the month. 

I would like to make my payment on the XXXX of the month. 

I asked my servicer ( not sure if it is technically XXXX XXXX XXXX or Dovenmuehle ) and they are unable to process auto-payment past the XXXX of the month due to a systems limitation. 

My complaint is that the system should be able to accommodate ability to make an auto-payment within the terms of the mortgage ( between XXXX and XXXX ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. 

Delete the address XXXX XXXX XXXX 
There is no such address and this isn't an apartment! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 

delete the inquiries!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an error on my credit report previously. It was fixed at that time. Now Experian has again messed with that same account and has this old, closed, satisfied account marked as LATE as recently as XXXX/XXXX/XXXX!!! The balance of this account has been XXXX since XXXX XXXX. It now shows a balance of {$4500.00}. 

I tried to dispute the error with this account AGAIN and I am told that I can not dispute it because it has previously been disputed. I called customer service and the employee became HOSTILE towards me. 

This account is WRONG. it is not late. It was satisfied and closed in XXXX of XXXX. I want the account removed immediately and permanently. Even if it were to be fixed AGAIN, I no longer trust Experian to not change it back. 

Remove XXXX XXXX " installment loan '' XXXX opened XXXX/XXXX/XXXX original amount {$6000.00} immediately and permanently from my report. I have proof that I have previously disputed this SAME account. I will be reporting every error from now on. I am sick of this. XXXX and XXXX have it right. EXPERIAN IS TRASH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Product: Vehicle loan or lease

I am filing this complaint against Truist Bank for inaccurate and derogatory reporting of an account ( Account Number XXXX ) to the EXXXX XXXX XXXX XXXX credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. This inaccurate reporting is causing significant harm to my creditworthiness. 
The account is reported with a derogatory status and inconsistent payment records across from my credit report.. The payment history reflects inaccurate records, which contradict the reported derogatory status. These discrepancies indicate a failure to validate the reported information, violating FCRA Section 623 ( a ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). I mailed a dispute letter to Truist Bank on XX/XX/year>, Truist Bank has failed to investigate and correct the inaccurate reporting, further violating FCRA Section 623 ( b ) ( 1 ) ( 15 U.S.C. 1681s-2 ( b ) ).
Product: Credit reporting or other personal consumer reports

My account with Experian 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 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. Experian Never Sent the periodic statement along with t
he disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting

This account is not mine - an inadequate investigation was preformed. Accout was not verified according to the FCRA
Product: Checking or savings account

On XX/XX/XXXX I received an email from Citibank to open a Citi checking account and earn a bonus of up to $ XXXX with required activities because I am a Citi XXXX XXXX XXXX XXXX since XXXX. On XX/XX/XXXX, I clicked on the link it took me to citi.com to open the account, that same day I received an email from Citibank with the link to the Welcome Kit as the account was opened, provided an option to transfer funds into the Citi account by logging into my other online account with another bank. I transferred {$15000.00} into the account. I then linked the newly opened account with my existing Citicard online access for my credit cards. Everything seems to be ok. Around XX/XX/XXXX, I could no longer access to my online accounts and still unable to get into both the credit card or checking access. XX/XX/XXXX, I spent 35 minutes on the phone with Citibank asking where my money is, they told me to wait for the letter in mail without any explanations why. XX/XX/XXXX, I spent 56 minutes on the phone with Citi Fraud Department asking for documents, which I had provided. They told me the account is closed and they will decide when to send me back my money after the account is closed. XX/XX/XXXX, I spent XXXX minutes on the phone, first they told me if I want my money back sooner I can go to a branch, but it is up to the branch if they want to give me back my money. XX/XX/XXXX, spent another XXXX minutes on the phone and someone " promised '' to call me back to get me more details. It didn't happened. XX/XX/XXXX, the letter from Citibank arrived and it said " Your Citi accounts will automatically close within 60 days '' because they found that I have violated the terms of " your account per the client manual ''. I called Citibank again and they would not talk to me because they are now asking me for the debit card number in order to go through their verification that they had other means to do so from multiple calls before, the letter specifically said the card is longer active then why asking for the number, I had no use to keep a closed debit card. They are holding my {$15000.00} hostage without any clarification even though I have provided documents that were asked, I've been a credit customer for years and now Citibank is committing fraud against consumers by taking their money and holding it for XXXX or more days without cause, meanwhile using my money to loan it out to others and making a profit of my money. This is financial fraud against consumer without any explanations or rights.
Product: Mortgage

In XXXX XXXX, I discovered during a telephone conversation that my mortgage had been acquired by Carrington Mortgage Services. This allegedly occurred in XXXX, but I was never notified. ( I did receive a couple of voicemail messages during that time, but I assumed it was a solicitation to refinance my mortgage because I had received calls from other companies for this purpose. ) During my initial phone conversation, I requested written verification via email of Carrington being the new mortgage servicer. This request was refused. When I asked to speak with another representative, I was told that my call could not be transferred and that I would have to call back. During my second telephone conversation with Carrington, I again requested information in writing via email or fax so I could confidently submit payment to the appropriate company. Again I was told this was n't possible, but was promised a request for this information would be submitted to that department. I was told this would be mailed to me within 7-10 business days. The representative indicated he could take a payment over the phone. When I told him I was uncomfortable doing that, he encouraged me to register on Carrington 's website. I did this, but the website did not allow me to access any information about my loan, nor would it allow me to make a payment. It showed my name and a loan number. On XXXX XXXX, XXXX, I contacted Carrington again to tell them I still had not received a statement or confirmation regarding the sale of my mortgage. Again, I requested something in writing via email or fax. I indicated that I would submit any payment due as soon as I received confirmation. I was yelled at by the employee and told that I did n't need to be worried about receiving anything in writing because my loan was in preforeclosure. I immediately asked to speak with someone else and was disconnected. I tried nine more times to call Carrington that day. Each time I entered in my account number, the call was immediately disconnected. When I finally got through to someone again, I was told that my loan was not in preforeclosure, as had been stated by the previous representative. This was obviously a falsehood and a scare tactic. She told me that she would send me information by email within 72 hours. She also indicated that payment could now only be made through certified funds via XXXX XXXX. When I asked for a more secure transfer ( bank to bank ), she provided me wiring information to XXXX. I have now received an email statement from Carrington, but still nothing in writing regarding the acquisition date, etc. Prior to this loan being acquired by Carrington, I was never even a day late on my mortgage payment. Payments were automatically drafted from my bank account. When I inquired about initiating this process with Carrington, I was told that it would be available only after the loan was brought current and remained current for a six month period!
Product: Debt collection

On XXXX XXXX, 2017 I sent a validation letter to Resident collect inc. to validate an alleged debt which they saw I owe, I do n't agree, so I need validation. 5 days later I received a computer generated bill with what looks like a someone forged my signature. I sent a follow up validation letter and received the same computer generated paperwork. I never did business with Resident collect, I never agreed to pay this company a dime! I want to know why I owe this company {$4200.00}. please have them provide proof of any agreement that grants them authority to say I owe a debt, Resident collection authority to collect on any alleged debt any any judge name that signed off on this alleged debt.
Product: Consumer Loan

I got the loan in XXXX XXXX for an emergency home repair. When I went to set up an account online to pay in XXXX, it was VERY user-unfriendly, and I ended up having to call their customer service, and was on the phone for quite some time. I thought I had gotten it all straightened out for this month, but I also had a lot of problems this month, and was unable to access my account. Consequently, I was locked out from paying the monthly installment. When I called Customer Service again to remedy the problem, I found out I was late paying ( how would I know? I was n't able to access my account! ) and assessed a {$26.00} late fee on a {$40.00} payment. The woman was very discourteous, and insisted it was not the problem of Wells Fargo, stating she was unable to remove the late fee. I explained that it was the problem of Wells Fargo, since I was n't able to access my account. She kept repeating " not Wells Fargo 's fault, '' so I asked to speak with her supervisor. I was on terminal hold, and ended up hanging up after about 12 minutes of waiting.
Product: Credit reporting or other personal consumer reports

To whom it may concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! 
The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!