23daVinci/CFPB_Complaints huggingface dataset:
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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2022, I was informed via email my checking account was being closed & I'd recieve my funds within 30-60 days. Here it is, past 60 days & I have not received my funds. I have only XXXX dollars in my account. I was told a deposit that was sent over would not be accepted due to the account being closed but was later accepted. Funds still can't be used. I was told my account had fraudulent activity but was never informed or recieved any calls about anything. THEY TOOK MY MONEY.
Product: Debt collection

On XX/XX/2022, I sent you a letter to Afni INC after they placed an account on my credit reports without allowing me the opportunity to request validation of the alleged debt. They then sent me a letter providing me verification when I specifically requested debt validation not verification. On XX/XX/2022, I sent you a follow up letter asking that they validate the alleged debt by providing me legal documents, but they completely ignored my request and continue to report this alleged debt on my credit report. On XX/XX/2022, I sent another follow up, and I have yet to hear back from them. 

I need this account deleted from my credit report and for them to close it in their office.
Product: Credit reporting or other personal consumer reports

My XXXX loans were paid off/down from about {$43000.00} to {$1200.00} XX/XX/XXXX. I have a letter stating the new balance and that one of my loans was paid in full. I have contact XXXX multiple times, disputed with the credit reporting agencies, and called that this balance is showing inaccurate on my credit report. This is hindering me from moving forward with a few aspects of my life because of my debt to income ratio. Removing this {$43000.00} from my debt will help me tremendously. I have went through all avenues that I know how. I hope this can assist me. All I want if for my correct balance to be reflected on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the Inaccurate information, inquiries and accounts that needs to be removed in my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Notice for Proof of Claim Account : -XXXX # XXXX, XXXXXXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of in debtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Product: Debt collection

I received notification that Tek-Collect appeared on my XXXX credit report. I was never notified of this debt and have no knowledge of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

After finding out in XXXX ( while trying to get better interest rates and an increase on another card ) that my credit report had an incorrect late, recent payment reporting on my account I filed disputes with credit bureus and filed a consumer complaint about the situation so XXXX executive office took the case and only spoke to me about the problem and how it was being corrected, nothing about compensation and why I asked for it. She has sent necessary paperwork to have my credit report corrected but declined to compensate me for the months that the company has incorrectly reported on my account only ( was a  joint account and other borrower stated his account wasn't affected ) even though in an email I told her that it has negatively affected me. I've been seen as a risk because there was a recent late payment which is still reporting thus far and my credit score is lower than it should've been ( should change within the month hopefully ) and I have documentation from when I applied for an increase in credit that also shows that this was a factor when I applied. Had I not been looking into better rates or an increase in credit this could've went on for more months if not years and has caused me to pay more money in finance/interest charges and it's due to no fault of my own because late payments affect your credit score. As you'll see I've been given the run around quite a bit dealing with varies representatives with the bank, I called back in XXXX and XXXX verifying things were fine only to learn while conducting business elsewhere in XXXX/XXXX  about this negative payment that I verified back in XXXX should've fine.
Product: Credit reporting

Hard pull on my credit report by XXXX on the XX/XX/2016 Transunion recommends contacting : XXXX XXXX, Tennessee, XXXX I did not Authorize this credit pull Concerned it may be fraud XXXX ca n't reference without a account number
Product: Debt collection

I filed an earlier complaint regarding the collection practices of a third party organization assigned by Citi Bank. Citi Bank did not respond with validation of the alleged debt being collected on. Checks were sent via postal mail years ago to satisfy the outstanding balance on the credit card account I had with Citi Bank. I had been under the impression the matter was resolved many years ago. Citi Bank instead replied with NO documentation : no canceled checks, no financial ledger, no account statements reflecting the alleged outstanding debt, etc. I 've been the victim of financial fraud in the past and am leery of the absence of proper documentation as well as illegal collections practices Citi Bank has participated in over the years. 

I would like for Citi Bank to halt possibly predatory collections practices on alleged debt, debt that there has been no documentation provided to validate. 

I would like for Citi Bank to provide proof that the money paid to satisfy the balance on my credit card account held with them circa 2007 was simply not noted on the wrong account. 

I would like for Citi Bank to provide statements for that card account mailed to me reflecting an unpaid balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated 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 Were all properly investigated but how is that possible if there are still numerous inaccuracies on my credit report amongst all three Credit reporting agencies with more than 3 inaccuracies and inconsistencies per account such as, the date last active, open date, credit type, account rating and more. This is grounds for removal They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also. Violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 

Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report.
Product: Mortgage

My servicer did not generate a XXXX for my loan for 2016. I called for 3 weeks requesting that it be escalated and that I would write in to CFPB but they still have not done it. I have been lied to and bounced around and to add insult to injury - I called yesterday and the rep told me that I HAD TO STAY ON THE PHONE TO GET IT DONE. IF I HUNG UP THAT IT WOULD NOT BE COMPLETED AS HE WILL GO TO THE NEXT CALL. I explained that I stepped out of the office to get the status and could not hold on. I asked that the file be updated to have someone call me as the request was escalated per my request 3 weeks ago. I still have not heard from Ditech and I am unable to do my taxes without it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Issue I received a statement addendum, dated XX/XX/XXXX, again, this year, from Nordstrom informing me that they were reducing my credit limit by, this time, {$500.00}. ( Last year it was {$1000.00} ). 

[ From the Nordstrom Statement ] Your current report reads : SERIOUS DELINQUENCY RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH NUMBER OF ACCOUNTS WITH DELINQUENCY TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED On Nordstroms statement I was invited to contact the agency directly. 

When I called the number given for XXXX : XXXX, there was no live person to discuss their blunder. I was referred to NORDSTROM. 
I called Nordstrom. The young man I talked with said they adhered to the information provided by XXXX, and referred me back to XXXX. He also checked my account and found no problem. 

There seems to be no responsible humans at XXXX, only telephone robots available. 
The reality, which they dont seem to care about is that : In early XXXX, I realized that just to live modestly on my income from Social Security, I was over using credit cards and running up balances I could not deal with. 

I submitted most of my cards to XXXX XXXX XXXXXXXXwhich looked to be the most reputable organization in class. Since then, they have settled with XXXX XXXX, XXXX and XXXX XXXX. 

They have yet to settle with XXXX and TARGET. I have no control over these balances. Understand that I have done everything in my power to be responsible. 

I have 2 older cards that remain active : XXXX and Nordstrom. Please check with them and verify that I commonly pay over the amount due before. the cutoff deadline. I HAVE NOT BEEN DELINQUENT WITH ACCOUNTS FOR WHICH I AM RESPONSIBLE. And I am working to lower my balance. As you know, if one is not wealthy, interest rates are obscene. 

The XXXX report doesnt have much relationship to reality. I think the robots are also XXXX. 
I am working to clean up my financial relationships, and wish to re-establish a positive credit score. 

RE : The report : 1. SERIOUS DELINQUENCY. -- XXXX None XXXX XXXX. RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH. -- -XX Questionable XX 3. NUMBER OF ACCOUNTS WITH DELINQUENCY. -- XXXX None XXXX 4. TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED. -- - XXXX None XXXX This report has caused a reduction in my credit line and maintaining a low credit score. 
The XXXX report is irresponsible and causing me financial damage. 

And finally, I stumbled upon your websitegiving me hope of restoring my credit and credibility. ( I have no idea what the other two agencies are reporting ) Please check my history and demand XXXX Adjust my report. 
I need a copy to present to Nordstrom ( or perhaps you can correct.. )
Product: Checking or savings account

With the attached screenshots you will see detailed messages and also the emails that were sent to me stating that I have a overdraft fee or there is a communication in the portal which also led me to view the overdraft documents. 

I called 3 times and was successful at getting 1 overdraft fee removed from my account and they advised that there was nothing else they could do about the others. 

All of my funds come through NFCU so I didn't understand why I could only get 1 removed when I know my account has overdraft coverage.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my ongoing frustration and disappointment regarding the unresolved issue of fraudulent items on my credit report, despite my numerous attempt to rectify this situation. Despite providing comprehensive evidence and following the prescribed procedures diligently, the fraudulent items persist on my report. This ongoing issue not only undermines my financial credibility but also reflects negatively on the accuracy and integrity of the credit reporting system.

Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any accounts found to be opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. I have previously submitted all necessary documentation to support my claim, yet the fraudulent accounts listed below remain on my credit report : Failure to address this matter promptly and effectively will compel me to explore alternative avenues to seek redress. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

In  XXXX   XXXX  filed a collection on my Credit Report stating that I owed them with for an unpaid cell phone account. I did not open an account with  XXXX  in  XXXX . Subsequently, I filed a Dispute with the Credit Reporting Agencies which resulted in the Bureaus removing the Collection from my credit report. In  XXXX , a  XXXX   XXXX   XXXX   XXXX  filed another Collection to the Credit Reporting Bureaus under the Name of a different  XXXX   XXXX   XXXX  again stating that, I owe an unpaid .Cell Phone Account. Again, I filed a Dispute and the Debt was again removed. Since that time, e very 3-6 m onths or, so a  New   XXXX   XXXX   XXXX   XXXX  files a Collection against my Credit after it has been removed which is Harassment. I have repeatedly informed th e Bureaus that, the  Collections are false and, not to allow  XXXX  or any of it 's m any Collection agencies  to continue to place erroneous debt collections on my report as they .have been added and removed no less t han seven time s previously. I would ask  XXXX  to cease and desist in their Harassment of me by continually making erroneous fraudulent collection claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I sent an affidavit of truth to the following companies regarding reporting inaccurate information to my consumer file at XXXX, XXXX and XXXX. The first complaint was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX and JPMCP Card Services. According to the tracking numbers that were provided in the affidavit of truth they received the information and the dispute and continue to report the errors to my credit file. The following financial institutions are continuing to violate the Fair Credit Reporting Act after I requested to exercise my right under 15 USC 1681 ( i ) ( a ) ( 2 ) ( B ) 2 Exclusions please see attached affidavit of truth.

Also, under the Fair Credit Reporting Act and the Federal Trade Commission specifically the Gramm-Leach Billey Act 15 USC 6802 Obligations with respect to disclosures of personal information and my right to opt out from credit reporting was violated by these financial institutions. 

All XXXX of these financial institutions knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, which include XXXX, XXXX, and XXXX. They knowingly and willfully withheld information that explains how I the consumer can exercise the non-disclosure option. The following accounts are in violation of the Fair Credit Reporting Act XXXX. XXXX Acct # Card ending in XXXX XXXX  XXXX XXXX XXXX Acct # XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. JPMCP Card Services Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  I had made reports by phone, e-mail, and by writing letters using the U.S. Postal Service to three credit agencies explaining that the accounts on my credit report were inaccurate. The three credit agencies I reported to are as follows ; XXXX, XXXX, and Experian. The three agencies had informed me in order for them to take further action I would need to dispute the accounts with them and the companies that reported the accounts. I completed the requests they had made. Two weeks after doing what they had asked I came to no resolution with the problem. My report remains inaccurate and more accounts have been added since then. This has been an ongoing problem for me with no resolution. I had froze my accounts numerous times and had told them about the ongoing fraudulent activity only to be ignored. Due to the outcome of the many situations, I have been unable to obtain business loans, credit that I have needed, denied housing, and have been unable to obtain employment with the U.S. government. I feel that my hands are tied at this moment and the only way id be able to resolve the issue is to obtain legal counsel being that my family and I have dealt with this problem for six years straight. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

On XX/XX/21 I did a balance transfer from my credit card ( XXXX XXXX ) to my husbands 's credit card ( Barclay 's UPromise ) I mistakenly only typed the first 12 numbers of his account when I did the balance transfer which you will see on the check copy provided. This payment has never posted to my hudband 's account. I redid the balance transfer in XXXX which cleared on XX/XX/21 and Barclay 's posted it letter attached. I have reached out to Barclays several times since XX/XX/XXXX to see where the first payment is sitting and they keep on delaying. On XX/XX/XXXX I faxed information over to Barclays and they keep on opening another case to research this.
Product: Credit reporting

please have equifax delete this XXXX XXXX mortgage acct enclosed is a letter from XXXX XXXX to remove it.you can contact verify this with XXXX XXXX at XXXX XXXX to verify XXXX or by email at XXXXXXXXXXXX. attached is a letter from XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Unauthorized use of my nonpublic consumer information.