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

In XXXX I had to leave an unhealthy relationship where I was paying for everything and my companion was of not assistance. I co-signed for an automobile that he let get repossessed ; my small credit cards I had to established to build credit was ruined. I had to leave the relationship XXXX XXXX and the bills came with me. As of XXXX this year I managed to make settlements to : XXXXPAID XXXX XXXX-PAID XXXX XXXX XXXXPAID XXXX XXXX for Auto - Still Paying on Settlement Monthly Tax Lien XXXX - RELEASED- No Debt-Clean Hands Document I have a XXXX Debt to be Paid to an unnamed source on my credit report ... Still Looking Into that. I have been trying to find a place to rent and the most recent occurrence revealed something I had no idea was in the background. I was told by the apartment rent search company that there were judgments filed against me by XXXX XXXX XXXX each time I paid my rent late, but states they were satisfied. I have not seen that on my credit reports and I am still waiting for XXXX, XXXX of XXXX, MD to send me the copy of the consumer report they provided to the XXXX XXXX XXXX XXXX. I want everything I have paid to reflect 'Paid '' and off of my credit report as delinquent. judgment or charged-off. I work hard everyday and I am trying so very hard to rebuild my lift and establish better credit. I am a senior aged woman and I need help. It is not fair to work and get things right and the negatives just sit there. Can you please help me get these negatives removed from my credit report? Can you acquire of copy of the report from XXXX that says I have these judgments? Thank you.
Product: Credit card or prepaid card

I have a Citi AAdvantage Platinum Select World Elite Mastercard and one of the card benefits is access to XXXX score. I had agreed and activated this feature several years ago but see this credit score variant is much different than credit scores from other sources even from the same reporting agency ( XXXX ). 

This information has been used to provide promotional offers and then the ones I have selected, have been rejected as an adverse reaction. Given I can get better information and experience elsewhere, I have contacted Citi Customer Service times to deactivate the access and reporting of my credit information. I have been transferred to numerous departments and even asked to contact the credit bureau to deactivate the Citi credit card feature. I have asked on many occasions for this to be deactivated. I have this same service from other credit cards and have no issue turning on or off the benefit with other banks. 

At this point, I just do not want to access my credit report information from Citi. Further, I do not want to provide authorization for sharing my personal credit report information with Citi on a regular basis.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am deeply disappointed by the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment is my entitlement, thus I kindly request a detailed account of their failures in upholding accuracy and compliance. The credit report I received is surprisingly inaccurate, given the expected adherence to the FCRA and applicable XXXX XXXX data field formatting standards. I challenge you to provide a verified, complete, and truthful document as evidence for each claim, as any deviation from these standards jeopardizes data integrity. My credit report is crucial to my financial well-being, and I urge the immediate removal of any false accounts for factual accuracy, verification, and compliance. 

Listed below are the Accounts that are being challenged : XXXX XXXXXXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. Please reverse all late payments! 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. Please reverse all late payments! 

Listed below are the Collections that are being challenged : XXXX XXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXX - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX XXXX - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report.
Product: Mortgage

M & T Bank reported XXXX XXXX day late payments on my credit report. This company broke the law because they must insure I received my statements no later than XXXX XXXXays before my due date. This company has violated 15 USC 1666b : timing of payments. This is from the US Commerce and Trade Act.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/2018 - 30 DAYS LATE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Vehicle loan or lease

On XX/XX/XXXX there was a call that had taken place between myself, capital one auto finance, and an insurance adjuster from XXXX XXXX insurance. At that time capitol one stated that if they received {$1900.00} they would settle the account, and transfer my title. On XX/XX/XXXX the XXXX XXXX insurance adjuster called capitol one to confirm the agreement that was made on XX/XX/XXXX, which was confirmed again and the check was sent. On XX/XX/XXXX capital one received and cashed the check, however it was not applied to the settlement amount. When contacted about it they said there agent gave incorrect information, and are refusing to sign over the title. Now they are requesting more money.
Product: Debt collection

On XX/XX/2018 I sent out a validation letter to Pinnacle LLC/ XXXX   for 2 collections in the amount of XXXX $ and XXXX $ dollars that they say I owe. I requested their offices to provide me with competent evidence that I have any legal obligation to pay them or If they can prove I owe the debt.I also included if their offices are able to provide the proper documentation as requested I will require at least 30 days to investigate the information and if your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file of all 3 major credit bureaus XXXX, XXXX, and XXXX and a copy of such deletion request shall be sent to me immediately. They received the letter on XX/XX/2018 at XXXX 40 days ago and they have yet to Validate the debt they say I owe. So I'm asking you all to please help me to get a response to deletion of these accounts that was not properly validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never used SageStream and XXXX services before. What they did is illegally stole my personal information to sell to credit card applications and what not. I requested complete opt out and removal and they will not remove me without my SSN and date of birth ... which they should never have that information in the first place, nor an I giving a company that stole my information more of my personal information. I have tried going the XXXX  route and they continue to respond with the same response of they will send me a letter, which means they don't care about storing my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have noticed there has been some fraud activity on my account. The following hard inquiry requests I have never authorized and there was theft on my account back in XXXX which is known by all three credit agencies but for some reason it is still appearing on my report and a few new ones just same up this year. I will post the pictures of the inaccurate ones and ask for them to be removed as they were never approved/authorized by me. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Just want my credit score to be accurate. Any help will be truly appreciated thank you very much. I had contacted XXXX early in XXXX and nothing has been done when there customer service rep had said everything will be removed since they see I didn't authorize it.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to contact XXXX, XXXX, and XXXX to have fraudulent information removed from my credit report. I am a victim of identity theft, fraud, and potential forgery committed by my son, XXXX XXXX XXXX ( SSN : XXXX, DOB XXXX XX/XX/year> ). I have submitted a police report confirming that I am a victim of these crimes, yet the fraudulent credit card from TD XXXX has not been removed from my report. This is a serious oversight on their part, considering I have provided proof of identity theft. 

Please assist me in rectifying this matter.
Product: Credit card or prepaid card

I received an Email from XXXX directly in XX/XX/XXXX, addressed to my name and one of my XXXX card, about the promotional offer that I can earn {$25.00} per card if I add an authorized user and charge $ XXXX spending on that card, and the offer is up to 4 cards ( up to {$100.00} in total bonus ). 

I followed the rules, and added 4 additional cards, met the spending requirements. I got two additional Email from XXXX about the same offer in XXXX and XX/XX/XXXX. In the last Email, XXXX stated that they were experiencing some website outage related to this offer, extended this offer expiration date to XX/XX/XXXX. 

I have waited several months, but still not got the bonus rewards as advertised. I contacted XXXX customer service, but theirs investigation said I personally declined the offer, which is so ridiculous. As I double checked the offer Email carefully, there is no option to decline an offer. The only link within the offer Email is to participate the offer.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handle of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I would like to officially request that you review the data on file for me. As per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and Metro 2 compliance standards, I am challenging all inaccuracies or deficiencies in reporting. However, I must express my disappointment that the credit report I received was not accurate. I am surprised that this is the case, as you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. I have a challenge for you- please make a document that shows all of the evidence and sends it to me, complete with verified sources. It is important to note that the XXXX  CRRG states that any deviation from these standards jeopardizes the integrity of data. 

This is a serious issue that must be addressed. I want to emphasize that the report you sent me is not accurate. Are you certain that all of the information is accurate and properly formatted? Please take note that the below-noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts on my credit report as soon as possible, as this will have financial consequences for me in the future if left unchecked. I can not tolerate anything less than 100 % accuracy on my credit report. 
US BKPT CT XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma and XXXX has as XXXX security question they asked in which were answered correctly and via Annually Free Credit report I have been refused to be sent a copy of my credit report. I them called XXXX  for a copy and they said one is being mailed. The mail came today and it was and application to provide them with other documents. I have submitted all my information on the website and I will not be denied a free credit report by being forced to submit documents by mail. If they want further information that can be sent via fax. I move to Indiana in XXXX of 2018 and have lived my entire life in XXXX, Washington. They have been given both address and my current one here in XXXX, Indiana. My name, date of birth and Social Security and they refuse to send me a copy of my report
Product: Checking or savings account

I made a claim with chase about a transaction that occurred in my account due me being a vicitim of a fraud employer who got me to purchase gift cards at XXXX  {$600.00} after he made a false deposit in my credit account and the payment was later returned a week later and he did not return my calls or reimburse me for the {$600.00} purchase and I signed a work contract that he would pay me and did not so I made a claim with the bank that they purchase he made me do was for his benefit and scammed me. I did not get my claim approved and the funds have been removed from my account
Product: Mortgage

I received a check for {$200.00} from Wells Fargo for : " During a review of the account, we identified that when the loan was considered for payment assistance options, an error may have occurred. As a result, we are enclosing a check for {$200.00}. '' They owe me much more than that.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. ALLY FINCL XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Bank of America hard pulled my credit. I do not have an account with them and I did not apply for a credit card or loan with them.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft and the following accounts are not authorized by me nor did i give permission to furnish them. these accounts and inquiries need to be removed immediately. XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX. the FTC say the regulation is 4days upon receipt to remove accounts and inquiries due to identity theft. I included the FTC affidavit that needs to be followed upon receipt and states it must be followed in four days. I also included ceased and desist that all parties need to adhere too in 4 days.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute in accurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under the fair act reporting act and request a thorough investigation into these inaccuracies by federal law. 

Recently, the consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer dispute siding, " sham investigations '' and unlawful practices. These practices, are outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigations results effectively. 
These allegations highlight systemic issues that directly undermined consumer protection and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Debt collection

Loan Opened XX/XX/XXXX for couches and entertainment set. ( cohns home plus ) Paid XXXX $ monthly. at 0.0 % interest. I had a previous balance of XXXX $ that I was told that would roll over onto one account ( opened XX/XX/XXXX ). 
Come XX/XX/XXXX I was having excessive collection calls on both my phone and husbands phone 6-10 times a day each sometimes back to back, regarding balance from " closed '' account, {$500.00} balance. and current balance. 

Example : loan due XXXX of every month. today is XX/XX/XXXX 3 days past due and we have had 20 phone calls in the last 2 days. 
I have made 2 different attempts to file complaints and have been told that the company has no control over phone call limits. I have asked to speak with the legal department and keep getting routed to customer service.
Product: Checking or savings account

I was told by a representative of Navy Federal Credit Union, that a XXXX XXXX XXXX XXXX XXXX  authorized themselves to withdraw funds from my Checking & Savings accounts without my authorization. This happened because I'm experiencing XXXX XXXX  ( not yet reported to IRS ), and acquired the help of XXXX XXXX on XXXX XXXX XXXX, to consolidate and satisfy my debts to Navy Federal Credit Union, as well as XXXX XXXX to which Navy Federal received and accepted on XXXX XXXX XXXX, and being that my main concern in this report is with the unauthorized actions taken by XXXX XXXX, I will not reference XXXX XXXX again in this report. 

I was initially advised by XXXX XXXX, to discontinue making payments on my debts, in order to show a pattern of delinquency, which would satisfy the debtors ' requirement for third party intervention. XXXX XXXX also informed me that they have worked with Navy Federal Credit Union many times, and XXXX XXXX has been cooperative in past processes. I wonder what is so special about my case, that XXXX XXXX made the decision to violate, or simply pretend that their agreement with XXXX XXXX did not exist? In one phone conversation with a XXXX in the XXXX XXXX XXXX at XXXX XXXX, after I challenged their authority to unlawfully take funds from my accounts, I was told that the agreement with XXXX XXXX was not valid. In a later phone conversation with a regular representative of XXXX XXXX, I was told that the agreement was honored from the beginning. 

On XXXX XXXXXXXX XXXX, an unauthorized withdrawl of {$190.00} was taken from my Primary Checking account, and deposited into my Navy Federal Credit Card account. On XXXX XXXXXXXX XXXX, another unauthorized withdrawl of {$75.00} was taken from my Primary Checking account, and deposited into my Navy Federal Credit Card account. Also on XXXX XXXXXXXX XXXX, an unauthorized withdrawl of {$320.00} was taken from my Savings account, and deposited into my Navy Federal XXXX XXXX account. 

The entire purpose of the agreement between Navy Federal Credit Union and XXXX XXXX, was to recognize my XXXX XXXX, and work together. The actions taken by Navy Federal AFTER they had already accepted communications from XXXX XXXX, and agreed to work with them, are clearly a violation of that agreement, and an attack against me as a XXXX XXXX member with Navy Federal Credit Union XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/23 XXXX XX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

Barclay Card US XXXX XXXX XXXX 's business practices are horrifying. I requested a credit line increase recently and a few hours later was called by a customer service representative to " discuss '' this after being asked several invasive, inappropriate, irrelevant questions, then being lectured on credit use, I was still denied. I was asked questions about accounts that are no longer on my credit report, so he had to have been looking at old notes or something, and he was asking for " reasons '' behind what he described as " situations '', when I told him he snickered, then still denied the increase. I did ask him why it was necessary to ask those questions and he said to see if " the situations changed '', I expressed my opinion that it had nothing to do with the account I was requesting an increase on and he said that was for him to decide, and that he needed to see me be responsible longer and then we could talk about it later ... .as if I was a child. He talked down to me the entire conversation, in fact his tone was combative from the minute I picked up the phone, it was awful and embarrassing. I am not some loser that does n't pay her bills and being treated that way is outrageous!