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

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent account has been identified as a result of this breach : XXXX  XXXX BANKRUPTCY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the 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 mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights  under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Vehicle loan or lease

I have a XXXX XXXX XXXX with a car payment of XXXX that I purchased back in XX/XX/XXXX. My income took a severe turn back in XXXX when covid hit I was out of a job for a year. I reached out to XXXX and told them I can not afford the payment they still attached late fees to my account and refused to trade my vehicle in for an affordable vehicle. I am still behind in payments barely making full payments and they still refused to trade me out my contract.
Product: Mortgage

In XXXX, I and my ex-husband applied for a refinance & HELOC from Beneficial. The loans were granted. My ex-husband passed away XXXX XXXX. At this time I contacted a lawyer to determine my options for having my husband removed from the title to the property and mortgage. Lawyer took care of having husband removed from the title. I recently attempted to apply for refinance to remove him from the mortgage and take cash out. I learned through an attempt to refinance I was unable to refinance the property due to there is no deed from XXXX found indicating my interest in the property. The only deed filed with the XXXX County Illinois Recorder was in XXXX with the original purchase of the home in which my ex-husband was the only one listed on the deed. Beneficial did file a mortgage on XXXX, XXXX on the property. I am just outraged at this point that I took out a loan on my home, yet it was never deeded in my name as one of the rightful owners. Now I am being denied the ability to refinance at this time because I can not show that I was the rightful owner of this property prior to XXXX/XXXX/XXXX when my children quit claimed their fathers interest to me. I am just sick of this company and the way this company misleads and XXXX over customers. I am technically being forced to remain with this company because I can not secure financing with another reputable company because I have to wait anywhere from 6 - 12months to refinance, because the property I have owned for over 20 years and paying on for over 20years is considered inheritance since it was just quit claimed to me XXXX/XXXX/XXXX.
Product: Credit card

I've consistently upheld the practice of making timely payments on this account, preventing any instances of overdue payments. The emergence of late payment remarks on my accounts is puzzling to me. Moreover, as stipulated by 15 USC 1666b - Billing Error, it is imperative to address any billing discrepancies.
Product: Credit reporting or other personal consumer reports

I also respectfully request to be provided proof of this alleged item, specifically that these payments were in fact late. By the provisions of the consumer laws. I demand that if unable to do so or lacking proof of these payments being late, please update my payment history of PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to any creditor who have requested a copy of my report in the last six months. Experian has recently updated my credit report as XX/XX/year>, it still says the same thing everything remain the same NO change I'm very frustrated and upset this has been going on for 5 months and NO RESOLUTION AT ALL. With all the documentation that been sent in it has never changed. I've sent forbearance letter and deferment letter no change
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, i filed a dispute regarding account hwarfield, this company failed to provide a descriptive report on how it was concluded that the account in question was accurate and fair. There was no payment history provided, there was no original documentation provided to me regarding the validity of the account. 

Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$XXXX} past due as of XX/XX/XXXX. 

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

The US Dept of Education is reporting false information on all 3 credit bureaus - they put on XXXX that i had a XXXX loan that the alleged account was opened on XXXX XXXX, XXXX, then on Experian and XXXX they claim the account was opened on XX/XX/XXXX. I told all 3 credit bureaus that this is IMPOSSIBLE. I went to college in XXXX to XXXX and left college after that - that is when this alleged XXXX loan would be from. therefore, the first date of delinquence would be in XXXX and thus, this is way to old to be on my account. 
The XXXX false reporting i already have a lawsuit filed in the US District Court of XXXX XXXX Case No. XXXX. 
On Experian and XXXX- the false reporting did not happen until after i already filed the lawsuit against XXXXUS Dept of Ed . I showed both Experian and XXXX that case and also the fact that the US Dept of Ed is simply making up dates as they choose as i did not get any loans in XXXX, XXXX and the fact it is much different dates between the 3 credit bureaus should show any normal person with 1/2 a brain that something is not right but they have not done any real investigation into the accuracy of the reporting in violation of the FCRA XXXX 
I am also aware of the lawsuit filed by the CFPB against XXXX and their transgressions and i also am aware this is not the 1st time these credit bureaus have been sued for similar situations. 
This is absurd that i am going to have to file another lawsuit vs. the US Dept of Ed and also name Experian and XXXX in the 2nd lawsuit. 
FYI- I also showed Experian that back in XXXX the US Dept of Ed attempted the false reporting on this alleged debt and back then it was removed from Experian but yet now all 3 are reporting this false information on an account that is too old to be on my credit. I am filing this complaint so that you notify all 3 credit bureaus as well as the Dept of Education of these transgressions and they all need to remove this false reporting from my 3 credit bureaus or there will be a 2nd lawsuit filed.
Product: Checking or savings account

Citizens Bank is not honoring a student checking account agreement that does not permit overdraft. 

On XX/XX/21 Citizens Bank disbursed {$9000.00} from my son'sstudentchecking account, overdrawing his account by {$8800.00}. That money was not available in his account and should not have been disbursed. 

I have tried to address this issue directly with the bank. Citizens Bank has referred me to their mobile deposit agreement. Based onCitizens mobilebanking agreement, the no overdraft selection in my son 's student checking account agreement applies. 

The Mobile Deposit Service Agreement states, " Other agreements you have entered into with the Bank... ( collectively, the 'Account Agreements ' ) are incorporatedby reference. '' " Other agreements you have entered into with the Bank in connection with your Citizens Bank accounts and other services, including but not limited to, as applicable, the Personal Deposit Account Agreement ( including Arbitration Agreement ), Business Deposit Account Agreement, Funds Availability Disclosure, Consumer Privacy Notice, Online Privacy Policy, Fees and Features Guide, and Account Signature Card ( collectively, the " Account Agreements '' ) are incorporated by reference and made a part of this Agreement. '' https : //www.citizensbank.com/mobile-and-online-banking/service-agreement.aspx This issue stems entirely from the bank 's error. The bank should not have disbursed these funds based on the overdraft policy in effect on my son 's student checking account, incorporated into the mobile banking agreement. 

Citizens Bank is violating this agreement and in a highly unethical manner, looking for any way toto recoup the loss incurred by their error. They have taken {$8800.00} from my savings account to recoup their loss, and cover the overdraft fees -- proving that, yes- this is an overdraft. The bank has violated theterms of the account agreement by permitting this overdraft and should return the funds they have taken from my account. 

Happy to provide additional documentation as requested.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint and I am writing to formally dispute the inaccurate information on my credit report, specifically regarding the following accounts, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), XXXX5 USC 1681. I am requesting an immediate investigation into these accounts, as I have reason to believe they do not accurately reflect my credit history or have been improperly reported. 
The accounts in question are 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, credit repair services, or other personal consumer reports

SECOND REQUEST : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My spouse and I filed a Chapter  XXXX  in  XXXX   XXXX  and it was dismissed in  XXXX   XXXX  after we decided not to continue with it. No debts were dismissed or renegotiated. Equifax still shows this filing on both of our credit reports after over 9 years from filing and dismissal of said filing. What is the rule regarding removing a Chapter  XXXX  filing from a credit report? Is there consistency across the industry regarding the removal from a credit file?     I filed a dispute with Equifax hoping they would remove it but  XXXX  verified that the entry on my credit report is correct as stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

As well as having a Bank of America bank account for many years I also had a Bank of America XXXX XXXXXXXX XXXX XXXX  card for over 15 years. In that time I never missed a payment. In 2020 I decided to pay down that card to XXXX along with several other credit cards. I paid that card to a XXXX balance. Associated with that card was a {$50.00} a year fee. After having paid that credit card off to {$0.00} balance for many months I stopped looking at that account. The {$50.00} fee was levied in XXXX of 2020. I did not make any payments on that levied fee not knowing that he had been added to the {$0.00} balance of the card. I did not use this card for any purchases during this time. I did not become aware of the {$50.00} fee until I was being notified of a 2-month delinquency on the money levied to me as a fee by Bank of America XXXX They reported a delinquency on a very small amount of money that was 100 % a fee levied by them to me on a card that had a XXXX balance. This is after 15 years of never missing a payment and also having a checking account with them. I am seeking to have this delinquency mark on my credit removed but Bank of America will not entertain any goodwill removal. What can I do to have this delinquency, the only one on my credit report which was put there 100 % for a small fee levied once a year by the credit card company which I had neglected to notice after bringing the cadr to a XXXX balance and not having used it for any purchases or anything else for many months, removed?
Product: Credit reporting or other personal consumer reports

I purchased my XXXX XXXX on XX/XX/XXXX and traded my XXXX XXXX the same day. As you can see Capital One denied the payments from the dealership three times. This caused me to have negative items on my credit this is a violation of Consumer Rights. I have disputed with XXXX in XXXX. They corrected my account immediately. XXXX XXXX XXXX still have it on my credit.
Product: Credit reporting or other personal consumer reports

As you can see the furnished is hurting my profile with late payments and negative items but doesnt show monthly payment doesnt show high balance or even term which is a violation of the FCRA. Its listed as a debt but a debt can only come from a loan or liability and I have neither to this credit group of child support enforcement its obvious this company is a for profit group in which I have no contract or paperwork connecting them with me. They have no payment status and no data listed for the month of XXXX up until now, at this point the lack of following the FDCPA practice and XXXX following the FCRA shows a complete disregard for its consumer and I demand the item be removed for clear violation of the FCRA Equifax is showing late payments for XXXX and its hurting my score tremendously but I have a letter from XXXX stating they removed the account please update immediately.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan in XXXX of XXXX in the amount of XXXX. I have since then through their online website been making payments of {$150.00} every XXXX weeks. In the month of XXXX of 2024, I reached out via email asking Easy Pay financial leasing to send over a copy of the official payoff amount that was owed. At that point I was told the amount that was owed for payoff amount would be XXXX. It was not till that point that I realized, that I was not informed of how the process works after the 90 days. They had sent me a copy of the contract indicating total amount paid at the end of the contract would be XXXX. In this process I have tried several times to communicate with them through email as to how this process works and have even called through their customer service line but have not gotten the right information as to how things operate. In my most recent request I had asked to have my online account closed due to over payments and miscommunication on how their contract policy works.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hav this account that does not belong to me and i want it to be remove from my credit report in the 3 agencies asap.

1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STAT

ED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Mortgage

After the first term of my Home Equity Loan I reapplied to renew my HEL. On a recent statement I was charged a {$50.00} " Customer Service Fee ''. The last agreement did not have such a fee. As I recall these type of fees were referred to as 'junk fees '. In the not so distant past, such business practices necessitated acts ( intervention ) such as RESPA, a 'How to Behave ' instruction manual for financial institutions. 

Just because you slip it into an agreement does not make it 'reasonable and proper '. It is tantamount to being charged a parking fee every time you take your car in for service. This year, I will have paid close to {$1000.00} in interest for my Secured Loan so it is not as though Citibank is doing me a favor. 

On the topic of " Customer Service '', theirs leaves a lot to be desired. When I have called-once every year or two on  various questions, most of the customer service reps have such heavy accents that it takes a half hour to have a 5 minute conversation. Moreover, if you request to speak to a customer service rep, there is no way of knowing that you are not speaking to a CSR at the next desk. 

After providing them with every piece of personal datum to them, they will not provide a last name. If you request to speak to a ( English speaking ) manager with a direct dial phone number they tell you that the managers do not have a direct dial number (??! ). Since it is unlikely that a customer will ever be able to re-contact any one in customer service there is zero accountability ; hardly the policy of a firm 'committed to customer satisfaction '. 

Notwithstanding any legal double talk about my 15 page loan agreement, I am asking if this is 'reasonable and proper ' and if it was added in recent years to enhance revenue, I want it waived for the term of my HEL.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account was opened in XX/XX/1999. The account has been paid and is closed. When looking at the line item on my credit reports, it has no date listed as to when this account will be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six 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. 
XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize several of the items on my credit report. A list of such inquiries has been included to a Federal Trade Commission FTC report. It's a difficult time, and these phony accounts are making it even more difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Mortgage is being reported in the remarks " Payment Deferred. '' This is incorrect and needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX my bankruptcy was discharged. XXXX XXXX, The mortage company first told me i had to reaffirm the debt. I called my lawyer and he said in California, you can not reaffirm a mortgage. I continuously paid my mortgage but they refuse to report it on my credit report. XXXX XXXX, I talked to Shellpoint Bankruptcy Department and they stated all I had to do was send credit bureau my payment history and they will put it back on. I Sent the information in and the credit bureau and they said Shellpoint has to report it to them again. I have attached my payment history to show that I have been continuously making my payment. 
Shellpoint Mortgage Servicing XXXX, SC XXXX XXXX www.ShellpointMtg.com Phone Number : ( XXXX ) XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

Hello, From XXXX of 2023, I filed a dispute with Transunion, XXXX and XXXX Credit reporting agencies about the Charge-off account of XXXX XXXX XXXX because the high balances are completely different. In these months I have tried multiple attempts for correction or deletion of this account with these credit reporting agencies. The Fair Credit Reporting Act states that they must report accurate and consistent info on my credit report or delete it from my credit report and they have not and continue to.Report on my consumer credit report. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from these credit reporting companies as of today. Thank you