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

I had mailed in a dispute to each bureau on or around XX/XX/XXXX. The dispute was against XXXX XXXX XXXX for incorrect and erroneous reporting that transpired after the settlement of the account in XX/XX/XXXX. This issue was made know during the processing of my mortgage for the purchase of my new home. On XX/XX/XXXX, I had applied for a mortgage to start construction on a new home through a builder. The home slated to be completed in XXXX with closing set on XX/XX/XXXX. Last month, on XX/XX/XXXX, when my loan officer re-pulled final credit needed since my original report had expired, I was made aware of the unacceptable updates made on this account. 

The account in question was a charged off auto loan through XXXX. This loan was settled on XX/XX/XXXX. That was the date of last payment made on this account. This was not an acknowledgement or acceptance of the debt ; it was merely an attempt to help improve my overall credit status to be able to move forward with my life and move my family on to a new home. There shouldve been no subsequent reporting since then ; yet, there were several. Enclosed are the disputes that were sent to each bureau. Additionally, after the submission of these disputes, I was able to obtain a copy of each tri-merged credit report that was pulled for the purchase of my new home. I was also able be accommodated with a breakdown of each bureau, showing the account in question. This was provided by XXXX, the company used by my lender to pull each credit report. In speaking with them, they had informed me of each bureaus specific illegitimate status updates on this account. 

Within the disputes I had requested that each bureau provide me with the information being used to maintain such errors on my credit report and even went as far as requesting a wet ink signature validating that this account was in fact mine. In calling each bureau today, I was informed by XXXX that the disputes were final, and no changes were made. I was told by TransUnion that the dispute was completed ; however, the rep acknowledged that the initial reason for the dispute was NOT addressed and that a new dispute was re-submitted and that Id have to wait an additional 30 days. XXXX claimed that they hadnt changed the reporting of an old dispute and then alleging that they hadnt received anything in XXXX from me. This is unacceptable being I am at risk of losing my new home that construction is just about complete, along with the substantial deposit that is on hand with the builder.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card or prepaid card

It is a real problem here that capital one has a persecution against me for adding authorized users to my cards, something that is completely legal. They allege fraud with my cards because I add my family members to my credit cards. 

They were sent the documents they requested and it is now six months that they keep my accounts freeze for no reason and without reason. The balances of my cards are XXXX, I pay my cards well and there has never been a delay. 

I consider it an abuse of capital one to freeze my cards by me adding authorized users. 

I have called for six months on many occasions and they ignore me. 

Since when is it a crime to add authorized users on credit cards? 

This same situation also happened to my husband with capital one, and my husband threatened to sue and in two days they fixed the situation. 

I request that both credit cards be defrosted immediately, if capital one continues to pursue me as if I were a criminal for adding authorized users, I will be forced to sue in the Federal Court. thanks Mrs. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the XXXX XXXX XXXX that was previously agreed upon between your company the XXXX ( fortiva ) finance services and XXXX XXXX XXXX. 

as outlined in the agreement, the purpose of the XXXX XXXX XXXX was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 5 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Mortgage

I have tried over and over for Citi Mortgage to give me a modification, they do n't play fair. I send them the information and they state that they do n't get the documentation and when they do affirm that they have received the documentation, they claim I do n't have all of the or I 'm missing some paperwork. This has gone on since XX/XX/XXXX and this is XX/XX/XXXX four years I 've had to deal with this company, every couple of weeks they change representatives so I have to start over with the paperwork. Each new representative states that I have re-send the same information that I 've already sent in. I have called and called trying to get the HARP, finally they did n't approve the HARP now I have sent in information for the HAMP, this time I sent the information with a content page so they ca n't say I did n't send every document. Now they are starting all over again with new representative and stating they have not received the information/documentation. 
They usually say call them, when I do, you ca n't speak with the person who is the representative on the letter they send. I leave a message but they will not call back. Each time I call I get someone one new. Now, I have had to file bankruptcy because they will not allow me to get an modification to ease the monthly payment. At this point I am tired of contacting them, they are not FAIR with their customers. The mortgage company keeps this up so they can file foreclosure and take my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX are in violation of the Fair Credit Reporting Act by pulling my credit without authorization. 

On XX/XX/XXXX, I received a hard credit inquiry from XXXX and XXXX XXXX, due to a re-scoring request from XXXXXXXX XXXX XXXXXXXX. 

On XX/XX/XXXX, I requested via email to cancel all services with XXXX, yet they ran my credit re-score anyway. 

This is a clear violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX account # XXXXXXXX XXXX  XXXX  account # XXXX 15 U.S.C 1681 section 602A. State 602 A. State I have the right to privacy. 

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

For years now, Ive disputed the account of XXXX XXXX that were placed on my credit reports by Portfolio Recovery. Ive even sent an Affidavit of Truth and was largely ignored. 

Neither, did the company contact the CRAs and informed them that I was disputing the debt and/or proof of the alleged debt, which caused distress and my credit to be affected. 

The most recent communication with Portfolio was on XX/XX/2023, in which I sent an email reiterating that the account doesnt belong to me and was largely ignored. Yet, the account remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA account # XXXX, XXXX, Opened XX/XX/2021 has violated my rights due to the following : [ 15 U.S.C 1681 ] section 602A - States that I have a right to privacy.

[ 15 U.S.C 1681 ] Section 604 A, section 2 - states a consumer reporting agency can not furnish any account without my clear written instruction.

[ 15 U.S.C. 1681a ] Section 603, Section 2A, Subsection ( iii ) - communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information. may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX should not be reporting to Equifax ; XXXX and XXXX that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account had been transferred and one of my payments had been processed incorrectly and because of this processing error my account had reported a late payment. The payment of XXXX had actually been entered as a payment for XXXX. Consequently because of this initial data entry error, this account has been falsely reporting a ( 30 ) day late. I contacted XXXX and I was assured that this data entry error would be corrected. Unfortunately, they did not keep their word and this account is still reporting wrong. I have contacted the bureaus as well to remove this late however, I have not been successful.
Product: Checking or savings account

This is an update to my most recent complaint concerning USAA. The bank did not let me speak with the President, Vice President or CEO. Instead they had a specialist contact me by email which did not address the matter whatsoever. They stole my XXXX refund, told me I had no basis for a claim and reversed the credit they issued me and billed my account for it ( XXXX ) thereby limiting me to getting the refund from XXXX yet they stole the refund because ( I have no claim ) so they must give it back to XXXX so I may begin the claim process ( because they can not steal the refund AND bill me for a reversed credit ). Please have a senior officer contact me because there is serious corruption at this bank internally.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXXL Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX M Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. Please The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX SELF-REPORTED XXXX Balance : {$330.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX, XXXX, And Equifax did not remove the above mentioned item once an FTC Report and documents to verify my identity were sent. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX PST I saw a hard inquiry from XXXX XXXX XXXX XXXX on my credit report. 

Upon contacting them they told me the request was generated by AutoPay ( parent company XXXX ) I have never contacted autopay or given them explicit permission to run my credit. 
I have only filled out a form on XXXX XXXX with XXXX to refinance my car loan but they specified only to run a soft inquiry. 

I tried talking to AutoPay but their staff XXXX XXXX and XXXX XXXX informed me that they purchased my information from XXXX and decided to run my credit without my consent. 

XXXX also refused to dispute this credit check after multiple requests and eventually stopped responding altogether to stop their liability I want this hard inquiry removed as I am working towards building my credit currently.
Product: Checking or savings account

Citi Bank stopped a transaction I was attempting saying it was potential fraud. 

I was locked out of my account. 

I called twice once for 28 minutes and a second time for 58 minutes. 

The Fraud Department could not restore my account. 

I live in Missouri and Citi does not have any consumer locations in my area. 

The only way I can access my account is either in the app on my phone or through the citi.com website. I am still blocked on both access points. 

I have not been able to see my account for more than a week and Citi can not restore my account.
Product: Checking or savings account

{$1000.00} was taken from my account by XXXX. I tried to fix this through XXXX and they denied my refund. I contacted my bank and files a dispute. This was taken XXXX XXXX, and XXXX of XX/XX/2023. Ive waited over a month. I called XXXX today, XX/XX/2023. They told me they refunded my bank on XXXX XXXX. My bank, First National Bank said they have 90 days to give me my money.
Product: Checking or savings account

On XX/XX/2023 I received a notification that your application was approved for a banking account. I knew that I did not apply for any other account. So I immediately contacted the bank. Which the first person I spoke with could not assist me and forward me over to the fraud department. The fraud department tried to sweep it under the rug and stated that the account was closed. On XXXX I received another email stating that your card is on the way to an address that I used when I opened the account up with the company. I stated to them. My information was already updated in my system and that address has never been used for 11 years since Ive been with the company. Ive contacted the company again on that day and they told me not to worry. And the account has been voided. XX/XX/XXXX I get a letter in the mail with the False bank account that still has not been closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XX/XX/XXXX Last 4 of SSN : XXXX Date : XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Formal Dispute Immediate Removal of Inaccurate Late Payments ( XX/XX/XXXX, XX/XX/XXXX ) on Account # XXXX Due to FCRA Violations and Breach of Arbitration Agreement by Furnisher ( XXXX XXXX XXXX XXXX. ) Dear XXXX XXXX Experian, This letter serves as a formal dispute regarding the inaccurate reporting of late payments for XX/XX/XXXX and XX/XX/XXXX on my account ( # XXXX ) with XXXX XXXX XXXX. XXXX XXXX XXXX  has violated the Fair Credit Reporting Act ( FCRA ) as well as breached its own arbitration agreement by reporting these late payments without resolving the matter through arbitration, as required by our contract. 

As a credit reporting agency, you are obligated under 15 U.S.C. 1681e ( b ) to ensure maximum accuracy when including information on consumer credit reports. In this case, the late payments in question were inaccurately reported due to XXXX XXXX XXXX  violation of federal law and contract terms. By allowing these late payments to remain on my credit report, you are failing to meet your legal obligation to verify the accuracy of reported information.

FCRA Violations Under 15 U.S.C. 1681s-2 ( b ), once I have disputed this information, you are required to investigate the accuracy of the reported data. XXXX XXXX XXXX, as the furnisher of this incorrect information, is in direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate late payments. I have already notified XXXX XXXX XXXX  of these violations and their breach of our arbitration agreement, which is public information, yet the inaccurate information remains on my credit report, causing ongoing damage to my credit profile. 

Breach of Arbitration Agreement by XXXX XXXX XXXX  In addition to the FCRA violations, XXXX XXXX XXXX  has breached its arbitration agreement by reporting these disputed late payments without resolving the matter through arbitration, which is explicitly required by the terms of our agreement. This breach directly undermines the dispute resolution process agreed upon and further invalidates the accuracy of the late payment reports. 

By continuing to report these late payments, XXXX XXXX XXXX, XXXX and Experian are exposing yourselves to liability under the FCRA, and you are complicit in the ongoing harm caused by this inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX