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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX of XXXX my Citi Master Card was used to make four purchases totaling {$1800.00} in Illinois. I disputed these charges with Citi because I do not live in the United States, I have been living in XXXX since XXXX. I was contacted once by Citi during their investigation and asked if the card was in my possession, which is it was. I explained to them, again, that I live in XXXX and was here when the purchases were made and it was impossible that I made the purchases. In fact the purchases were very much outside my normal usage of the card ( I only used the card for a monthly payment to an XXXX  sports channel @ XXXX euro ). I received a letter from Citi stating " Your dispute has been closed '' the reason they gave was " The card 's EMV chip was used to make the disputed transactions at a chip enabled card reader. You verified that your card was in your possession at the time of the transactions, so we don't consider this fraudulent activity. '' I have contacted the company twice, sent them a copy of my passport, copies of documents proving my residency in XXXX, copies of billing statement of My XXXX XXXX card which shows me making purchases in XXXX around the dates of the disputed charges ... ..anything I could think of to prove I was five thousand miles away from Illinois when and where these purchases were made. They have told me the dispute is closed and can only advise me to contact the businesses directly where the purchases were made and maybe they could do something, which is ridiculous. In the same letter they made it clear that if I do not pay the minimum by the due date ( XX/XX/XXXX ) they will report me to three different consumer reporting agencies. I have always paid my Citi Mastercard on time and always the full balance. I also have an excellent credit score. Please, any help or advice you can give is most needed, especially as the due date to pay is fast approaching.
Product: Credit card

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX XXXX Social Security : XXXX Bank of America , N.A . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Rescinding Signature, Access to Applications, and Card Reopening Dear Bank of America , I hope this letter finds you well. My name is XXXX XXXX, and I am writing to express my concerns regarding my credit card applications and their associated information held by your company. 

As a holder in due course, I am invoking my right to rescind my signature on applications containing my non-public personal information, including my Social Security number. Given my decision to no longer engage in business with your company, I am uncomfortable leaving such sensitive information in your possession. Denial infringes upon the Uniform Commercial Code ( UCC ) and contract law. 

In light of this situation, if it is not feasible to provide the authoritative copies of the applications, I request an alternative resolution. Specifically, I propose that you reopen all of my cards and place them in an opened-end status with no preset limit, accompanied by an automatic monthly discharge. 

I believe that this solution would address my concerns while still aligning with the legal and contractual obligations involved. I appreciate your prompt attention to this matter and your cooperation in finding an amicable resolution. 

Thank you for your understanding. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello I recently made a cfpb complaint # XXXX to Experian who has their report number # XXXX. I also previously wrote Experian regarding these same issues. 

It seems in the latest " fix '' explain did one thing I asked, which was to Fix my correct name and only name to " XXXX XXXX XXXX '' however upon looking at my new updated credit report the wrong name of " XXXX XXXX '' still appears on my credit report. 

1 ) Correct Name again is " XXXX XXXX XXXX '' 1a ) Wrong Name again is " XXXX XXXX ''. ( Please Delete along with anything associated with this name which is not me ). 

2 ) Correct Address is XXXX XXXX XXXX XXXX XXXX. 

2a ) Wrong Address # 1 XXXX XXXX XXXX CT, XXXX XXXX XXXX, FL XXXX 2b ) Wrong Address # 2 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX I have lived at no other address in the USA other than XXXX XXXX XXXX XXXX XXXX, for I recently moved here from XXXX ( another country ). 

3* ) Experian shows many things on my credit report associated with " XXXX XXXX '' or XXXX XXXX which again is not me. XXXX and XXXX show " NO CREDIT '' whatsoever, because I don't have any. How can Experian have all these accounts on my credit report that dont belong to me? 

Experian Accounts that do not belong to me : a ) XXXXXXXX Account # XXXX  delete this account not mine. 
b ) XXXX XXXX Account # XXXX  delete this account not mine. 
c ) XXXX XXXX XXXX Account # XXXX  delete this account not mine. 
d ) XXXX XXXX  Account # XXXX  e ) XXXX XXXX Account XXXX XXXX  Delete this account not mine f ) XXXX XXXX  Account # XXXX  Delete this account not mine. 
g ) XXXX XXXX  Account # XXXX  Delete this account not mine h ) XXXX XXXX XXXX Account # XXXX  i ) XXXX XXXX XXXX  Accont # XXXX ALL the above accounts are for the man : XXXX XXXX or XXXX XXXX XXXX or something along those lines, My name is XXXX XXXX XXXX and am not associated with the above person. Again, Both XXXX and XXXX show none of these accounts on my credit report. Somehow Experian has all the accounts under my name " XXXX XXXX ''. 

I have attached Identification again and my citizenship of when I came to this country. 

Thank You XXXX XXXX
Product: Checking or savings account

I opened an account at the US Bank Branch at the XXXX XXXX branch in XXXX, WI. She opened the account for me and the next day the account was on hold and then closed. I was told to talk to the branch manager at the location and I did, he told me that " we choose who are customers are '', meaning this is XXXX and judgmental, because I am white, I am not allowed to bank at US Bank. I feel like this comment is a violation of my right as a customer and the fact that I was judged based on who I am as by race. 

I also was a customer for long time prior to this, and I don't owe the bank at all. I would also never given a reason to why the account was closed.
Product: Credit reporting or other personal consumer reports

I mailed dispute letters on XX/XX/year>, XX/XX/year> and XX/XX/year>. I have not received any responses other than letters accusing me of working with a credit repair company from Experian. I need the results of the investigation that should have been sent to me within 30 days of my dispute dated XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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 {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

Dear American Express,, I am writing to address an ongoing issue with the reporting of account ending in XXXX. XXXX XXXX, representing American Express, has stated that this account was last reported in XX/XX/XXXX as a satisfactorily closed account. However, my XXXX credit file indicates the status was updated in XX/XX/XXXX to " Discharged through Bankruptcy XXXX XXXX. '' For clarity, I had two accounts with American Express : one ending in XXXX and another in XXXX. The account ending in XXXX was correctly reported as included in bankruptcy. However, the account ending in XXXX is inaccurately reported, contrary to XXXX XXXX 's assertion. 

Despite multiple attempts to resolve this issue with XXXX XXXX, no correction has been made. I respectfully request that an objective third party, such as his immediate supervisor, review and address this matter. A written response from XXXX XXXX is included for reference, along with a recent XXXX credit report highlighting the discrepancy. 

Thank you for your attention to this issue, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card

I have been set up for bill payment alerts since at least XX/XX/year>. I get notifications whenever I schedule a payment or XXXX posts. The past XXXX months I received an alert that states my payment is overdue ( wasnt made ) with an associated late charge. Last month I thought perhaps I missed the alert that was payment was coming due and hasnt been made but this month I did not receive an alert as well. I searched their online help and found an article explaining alerts which I attached screen shot of. I also attached screen shot of the XXXX XXXX set up for payments that shows Im opted in and what I have had set up all along. What I learned today is that you have to go to their All Setting tab, scroll down and manually toggle the Payment Due alert on. All the other payment alerts are on already but this most important one requires manual set up? This seems very predatory to me as they get late fees when they dont send payment due alerts. I spoke with a representative who did reverse my late charges and a second representative in online/mobile banking who I expressed my concern over. He said he could take a note but that he couldnt change it and it wouldnt be changed unless they received enough complaints about it. He encouraged me to file a complaint with CFPB. They way their articles and quick alerts are stated, there would be no way a consumer would understand they need to set up payment alerts separately. This needs to be fixed. In the mean time, all consumers need to be aware that they need to manually turn this feature on.
Product: Credit card or prepaid card

I am being denied for a XXXX Credit Card with Goldman Sachs Bank due to verifying my identity.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I traded in a XXXX XXXX XXXX for another vehicle when at the time the XXXX XXXX XXXX im speaking about was paid off in full a check was written out and paid to Santander Consumer USA. Months passed and i realized that the vehicle was still on my credit report. i contacted the car dealership to verify that the vehicle was taken care of and it was confirmed by the dealership and i was sent a copy of the check that was sent to Santander. Myself and the loan department spoke with Santander and they said the amount they received wasnt the full amount which it was. Santander had even sent the XXXX XXXX title to the dealership which shouldnt have even been possible if they werent paid in full.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

XXXX. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX Account # : XXXX Balance : {$850.00} 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 Balance : {$130.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting or other personal consumer reports

I have requested my address to be updated via mail, phone and online. My address is showing incorrect on all my reports and are holding me back from progressing into homeownership. I have sent my SSN as well as my Driver 's License with the only address that should be on my credit report from XXXX, Experian and XXXX
Product: Debt collection

I lost my wallet with all my identification information inside and then I realized later that a lot credit has been opened under my name. I tried multiple times trying to remove them but never succeeded.
Product: Prepaid card

Should of had my paycheck deposited today and my money not there. On rush card. Customer service do n't even work.
Product: Credit reporting

Hello, I have contacted transunion on multiple occasions to stop illegally reporting my sister credit information on my credit report. On XXXX XXXX, I went to finance a vehicle, and my credit was flagged as high risk because I failed the security questions about my credit profile. The security questions that were asked, were questions pertaining to a car loan and the payment installments which I had no knowledge of. I then checked my credit history and saw that transunion have ignored my contact to stop reporting false information on my credit. They have been reporting my sister 's information on my credit report on multiple times. 
Thank you
Product: Checking or savings account

I usually only use my credit karma account for taxes in XXXX. I filed my first dispute ever in XXXX against XXXXXXXX XXXX  for XXXX. They gave me my Disput money back then weeks later took the dispute money back out on my account then closed my account FOR NO REASON!! I have had a credit karma account for years no issues! They stole my money closed my account and I did NOTHING WRONG!!!! I spent hours on the phone yesterday getting no help!!!!
Product: Debt collection

This company has placed a random collection amount on my credit report which resulted in my score going from a XXXX to a XXXX This needs to be fixed, I have no knowledge of this random collection amount and have never had a derogatory mark/collection ever in my life
Product: Credit reporting

Equifax improperly lists a tax lien for which the filing was *withdrawn* ( not just released ). 
Under the IRS XXXX XXXX program, the item should be removed from my credit report. I filed a dispute with Equifax , and attached the withdrawal notice ( IRS Form XXXX [ Withdrawal of Filed Notice of Federal Tax Lien ]. The ( terse ) response from Equifax indicated that some database they use was still reporting the filing of the lien. Their response did n't address the fact that the filing had been withdrawn, as evidenced by the notice I attached.
Product: Mortgage

Over the last XXXX year, I have submitted a mortgage application with every major bank and credit union in the United States. Initially, I am approved and offered loan terms. The very next minute, or day, the mortgage opportunity is taken from me. I have dealt with this on going problem for a long time, and likewise I have submitted multiple mortgage application, that are Initially approved, my credit is ran, my assets are verified and I am given a loan originator to work with and a loan number. In the various loan petals, I am tasked with items that need to be furnished to the loan company. Often times the tasks I am required to complete are done in the same day as the application itself. 
Just like that, the mortgage offer is resented, and when I inquire about the flip-flop act, to date no bank or loan company will share any info other than my credit score does not meet the mortgage company or banks standard. As I explain to the various, institutions the assets I hold and the job I have, can afford to pay outright for multie multi million dollar homes. The ability to pay the loan off is a effortless task. Next when I inquire about What adverse or derogatory items are on my credit while looking at the credit report there literally are no items on my report. I'm always told that I don't have enough credit established. Furthermore when I try to establish credit or raise my credit I get denied ; and have been every time for a secure credit card or unsecured credit card or any other credit building instrument. Literally I own XXXX XXXX dollars in assets, and I can't qualify for a mortgage. Unfortunately some of those assets are illiquid and I don't want to withdraw those funds ; athough if it meant getting a home I would. My total debt is {$14000.00}. I'm not a underwriter however I'm pretty sure my debt income ratio or my debt asset ratio is Better than 99 % of the United States Citizens and that would include those that turned me down after they proved me. So at this point I'm stuck between a rock and a hard place, with no outlet simple put I'm trapped, and unfairly. I've applied so many times to all major banks and every major mortgage lender or hard money lender, that I'm exhausting my ability to inquire and apply for a mortgage. Banks including Wells Fargo, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and other all have approved my application, and 24 hours later despite the info provided by me as requested ; the offer ( s ) are withdrawn. Two of the three credit bureaus don't even generate a FICO score. The other lists my score above XXXX, which is the national requirment to extend a FHA loan. I have also tried non traditional methods to qualify for a loan, including supplemental credit qualifications, no document loans, and stated income mortgages, among various others. In total I estimate that I have submitted nearly 90 mortgage applications. Of those ninety ; eighty-five of those applications were approved, and also withdrawn.