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

Hello Im a XXXX XXXX and I have illegal stuuf on my credit. Im a resident here and trying to do the right thing. MY social is a govermnet number that was given to me Please help protect me. You can XXXX   me Im a real honest person I would never mess up my credit I cant Im struggling for my citizenship. This is wrong. How can someone do this. Please help remove these 4 accounts thats not mines. Godbless XXXX XXXX XXXX XXXX XXXX  XXXX Reported : XX/XX/2018 {$5000.00} Needs Attention XXXX XXXX Reported : XX/XX/2018 {$1900.00} Closed XXXX XXXX XXXX  Reported : XX/XX/2018 {$16000.00} Closed XXXX  XXXX XXXX XXXX Reported : XX/XX/2018 {$20000.00} XXXX
Product: Credit card

Company updated app and it no longer works properly. When I login it will show I hundreds of dollars more than I do. The transactions never match, payments don't show up or disappear, it is completely inaccurate. It shows I have XXXX credit available even if the card is paid off and if I refresh it will go back to my limit showing as available. I've never had a bank randomly change how much I owe every time I login.
Product: Mortgage

Date - XX/XX/XXXX and XX/XX/XXXX CMC Funding and XXXX XXXX XXXX are not really professional. They have hard time figuring out the correct amount of monthly payment. Customer service likes to argue but is not really good at what they are doing. 
The monthly escrow withheld amount is too high and over {$600.00} higher than it should be. Its cushion is 4 month and it is against the law. Its estimation is based on wrong tax rate assumption. Talked to XXXX and his supervisor of XXXX and they are not professional and refused to solve the problem.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I got an updated copy of my credit report and I was shocked at how many accounts that were listed fraudulently. I have never conducted business with these companies and I believe that their information is completely inaccurate and false. I requested previous investigations for these accounts and I filed a XXXX Identity theft report and No one responded which I believe is an indication that they do not have any evidence to provide regarding these accounts. 
Here are all the accounts I want investigated. 
XXXX XXXX There are XXXX other accounts listed by this XXXX company XXXX XXXX XXXX XXXX There XXXX XXXX other accounts listed by this company XXXX XXXX XXXX are XXXX XXXX XXXX listed by this company XXXX XXXX XXXXXXXX There is XXXX other account XXXX XXXX this XXXX XXXX I would like a copy of any evidenced used to XXXX these accounts listed by these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX My Experian report # is XXXX Account name XXXX Account number XXXX .... 

requesting your method of verification I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you clam that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this in face was an investigative consumer report, I am also exercising my rights under 15 USC 1681a ( e ) Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this trade account and all information of it must be removed from my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion and XXXX are in violation of 15 U.S. Code 1666b. As per the law, the following is in the statute.

( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

All 3 are listing the following accounts as late or charged off, which are false and a violation of 15 US Code 1666b and 15 USC 1681 b ( 2 ) After repeated attempts to get this fixed, these 3 are taking now over 5-6 months to complete an investigation that should be completed within 30 days as per the law
Product: Student loan

XXXX, which operated in five states, falsely promised prospective students that they would be employed in their field " within six months after graduation and that a XXXX degree would make them 'employable for the rest of their lives.
Product: Credit card

XX/XX/XXXX I initiated a dispute on my CitiBank XXXX credit card for charges done in XXXX XXXX. In XXXX XXXX, I paid to replace the catalytic converter on my vehicle. In XXXX XXXX the part failed and the merchant ( auto-mechanic ) replaced it. The part again failed in XXXX XXXX. After repeated attempts and failing to resolve the matter with the merchant, I submitted a dispute in XXXX XXXX. With my dispute I submitted supporting documents from XXXX that the catalytic converter had never been replaced or was replaced with a used part. I contacted the CitiBank dispute department starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During these conversations I was informed that CitiBank would do a COMPLETE investigation of the dispute. On XXXX XXXX, XXXX, I received a letter indicating that do to the lapse in time from the original charge date to the date I initiated my complaint, there was nothing they could do. I called CitiBank dispute department on XXXX XXXX, XXXX and spoke with XXXX, who informed me that XXXX sets its time frames for disputing charges and there was nothing CitiBank could do. I spoke with XXXX the supervisor, who informed me that there was nothing they could do and had to abide by XXXX investigation policies. 

CitiBank did not disclose at anytime that my dispute was out of time frame in addition to making no attempt to contact the merchant that my dispute was against. In XXXX XXXX, CitiBank asked for additional documents for this " investigation '' which I submitted in a timely manner ; however, there was no actual investigation done since according to XXXX policy I was out of the time frame. In XXXX XXXX and XXXX XXXX, I called the CitiBank dispute department and I was informed that the investigator was waiting for a response from the merchant ; yet there was never correspondence sent to the merchant regarding this dispute. 

CitiBank intentionally withheld critical information regarding my dispute time frames. CitiBank also misled me when I was informed on multiple occasions that the dispute was under investigation when in actuality nothing was being done on their part except to collect documentation from me. 

The letter received XXXX XXXX, XXXX should have been sent to me in XXXX XXXX when I still had the ability to locate the merchant and not 90-days after the fact. CitiBank was aware of XXXX investagtive policies yet they allowed the account to accumulate interest charges and waste my time. 

This is bad business. I applied for a credit card with CitiBank and they failed to protect me. They allowed a fraudulent merchant to take advantage of me. CitiBank led me to believe they had my best interest at heart and all the while they did nothing during this supposed investigation. CitiBank was the issuer of this credit card and should be responsible for protecting the consumer. CitiBank failed and did a poor job of protecting me.
Product: Credit reporting or other personal consumer reports

I saw an unknown credit card on my credit report from XXXX FORTIVA  XXXX, which I did not apply for. I reached out to XXXX and filed a dispute on XX/XX/23. They completed their investigation on XX/XX/23 and said the account is verified as accurate. I reached back out to XXXX again explained that this credit card is not mine but I was told to file a second dispute. I tried to call the credit card company to cancel the card, and they asked me to provide the last 4 digits of the credit card which I do not have. The consumer credit report that I received from XXXX doesn't show the last four digits on the account. I also tried to log into the credit card 's website to cancel it that way, but their website kept rejecting my phone number as incorrect, although it is a number I have had for over a decade. Please help! Thank you! 

INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Not Specified. Here is how this account appears on your credit report following our investigation. 

XXXXFORTIVA XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally dispute inaccuracies in my credit report and to seek compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further supported by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to adequately investigate consumer disputes and its improper reinsertion of inaccurate information into consumer reports. 

The following inaccuracies in my credit report require immediate correction or removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX  Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX RM Account XXXX Account Name : XXXXXXXX XXXX, XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I was scammed by XXXX out of more than {$7000.00} dollars just for one semester. It did not improve my way of life or help with anything but increase my debt. I can not pay this back as I have no means too
Product: Credit card

Please find the attached documents. I urge the bureau to investigate these accounts, falsely reporting me as late, without any delay.
Product: Money transfer, virtual currency, or money service

The insurance company XXXX sent me a check of {$400.00} on XX/XX/XXXX. 
I did not receive the check. 
The check was cashed by a person with an account in Well Fargo bank on XX/XX/XXXX. 
I did not have an account in Well Fargo. 
The XXXX sent me the photo of the cashed check. 
The check is without my endorsement. 
It is a Check Fraud. 
Well Fargo cooperated in the Check Fraud. 
I visited the branch of Well Fargo Bank in XXXX XXXX California, show them the photo of the check and asked who cashed the check on XX/XX/XXXX. 
The staff refused to provide any information.
Product: Vehicle loan or lease

I have been neglected by a credit loan company goes by the name of Veros Credit LLC I applied for a car loan and purchased a used car in 2018 Upon getting close to the end of the loan unfortunately I been involved in a car accident and because of that reason the company and me had to submit a settlement reducing the amount owned from XXXX to XXXX lowering my payment from {$510.00} to {$200.00} a month unfortunately I noticed later that I continue losing credit score as the account continue to stay open when the finance manager did a the settlement to close the account but they aren't reporting the credit Bureaus about the settlement or about the account been closed they have the account open at XXXX when the settlement is only owe XXXX and this bringing negative activity and so I keep losing credit score
Product: Checking or savings account

The complaint I have is : - I have not received bonus as promised- The bank does not provide anyway to talk to someone who can address my problems- I've spent hours of my time waiting on chat, phone, and for scheduled meetings where no one from the bank showed up. 
- I have now lost interest I could have received from the funds of about {$1600.00} Details : I opened an online checking account on XX/XX/XXXX. 
There was a {$1000.00} bonus for opening an account and funding with {$75000.00} I funded the account on XXXX I confirmed with a bank agent that I met all of the requirements for receiving the bonus and should receive it by XX/XX/XXXX On XX/XX/XXXX I was told that I had not received the bonus because the name on my account ( which was only First and Last name ) did not match the name on my tax filing, which included my middle name and XXXX. 

1st Issue - I requested the name change kit, but on XXXX, they sent me just another W9 and signature kit. 
I requested again the name change kit, and finally received on XX/XX/XXXX I submitted a name change document on XX/XX/XXXX 2nd Issue- I called many times between XXXX and XX/XX/XXXX to check status on this change, and they kept giving me some reason why it was delayed and told me to keep waiting On XX/XX/XXXX I got a notice in my online account that said I needed to submit additional name change docs, like a marriage certificate or other reason for the name change. Since this is just a correction, this didn't apply to me, so I started to try to talk to a human about my issue. 
3rd Issue - At this point I noticed that the automated phone line would no longer allow me to authenticate so I could not talk to a live agent, which cut me off from anyone that could help me I tried using the chat to escalate multiple times, until finally someone suggested I use the " Schedule an Appointment '' on the website 4th Issue- I scheduled an appointment 3 separate times/ days the week of XX/XX/XXXX. All 3 times no one from Citibank attended the scheduled meeting. 
I was given a branch contact info to try to call to talk to an agent, but the branch does not answer the phone and I get put back into the automated phone system that will not let me authenticate and talk to a person. 

So now I've wasted 6 months on trying to make this account work, I still haven't received my bonus, and I've lost more than {$1600.00} in potential interest that I could have made on my money. Citibank has no way for me to address my issue by talking to a human being, and has put up many roadblocks to keep me from contacting someone.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, an XXXX  Google XXXX subscription connected to my XXXX ( formerly XXXX XXXX ) subscription account. 

I contacted XXXX to cancel but they refused, claiming it can only be done through Google XXXX. I contacted Google XXXX and they refused to cancel as they wouldn't confirm what account it was. 

XXXX also refuses to delete my account. 

My account is under name " XXXX XXXX ''
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business like trading crypto currency to XXXX since XX/XX/2021. 
My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian Consumer Relations XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Notice of Dispute Violation of FCRA Rights and Request for Investigation and Removal of Inquiry Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute an inquiry on my credit report, as well as to bring to your attention the violation of my rights under the Fair Credit Reporting Act ( FCRA ) by Experian 's failure to conduct a proper investigation into the inquiry reported by XXXX XXXX. 

I recently obtained a copy of my credit report from Experian, dated XX/XX/XXXX, and I observed that there is an inquiry listed from XXXX XXXX placed on XX/XX/XXXX. However, I believe that this inquiry is inaccurate and should not be present on my credit report. I have not applied for any credit, loan, or financial services from XXXX XXXX during the relevant period when this inquiry was recorded. 

According to the FCRA, as a consumer, I am entitled to certain rights, including but not limited to : 1. Right to Accuracy : The FCRA mandates that consumer reporting agencies, such as Experian, must ensure the accuracy and completeness of the information they report. 
2. Right to Dispute : If I believe any information on my credit report is inaccurate or incomplete, I have the right to dispute the information with the credit reporting agency, like Experian. 
3. Right to Investigation : Upon receiving a dispute, the credit reporting agency is obligated to conduct a reasonable investigation to verify the accuracy of the disputed information. 
4. Right to Removal or Correction : If the information is found to be inaccurate or unverifiable, the credit reporting agency must remove or correct it from my credit report. 

Based on the aforementioned rights granted to me under the FCRA, I hereby dispute the validity of the inquiry from XXXX XXXX on my credit report. I request that Experian conduct a thorough investigation into this matter, providing me with the results of the investigation and any corrections or removals made as a consequence. 

Additionally, I urge Experian to remove the disputed inquiry from my credit report promptly and to update my credit file accordingly. I expect Experian to adhere to the FCRA regulations and ensure the integrity and accuracy of the information you report about me. 

Please provide me with written confirmation of the receipt of this dispute letter within 30 days from the date of your receipt. Moreover, I kindly request that you keep me informed of any actions taken, investigation results, and any changes made to my credit report as a result of this dispute. 

Thank you for your prompt attention to this matter. I trust that Experian will handle this dispute in a fair and compliant manner, protecting my rights as a consumer under the FCRA. 

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

ON XX/XX/2021 I SNET A LETTER ASKING XXXX, TRANSUNION AND XXXX TO INVISTIGATE MY CREDIT REPORTS BECAUSE THERE WAS INACCURATE INFORMATION ON MY REPORTS. TO THIS DATE THEY HAVE RESPONDED TO ME ABOUT ANYTHING. I PUT 10 ACCOUNTS FOR DISPUTE ON THE LETTER AND I HAVE YET TO GET ANY RESULTS. 

1.XXXX  XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX  XXXX XXXX ACCNT # : XXXX 3. XXXX XXXX  XXXX XXXX  XXXX XXXX ACCNT # : XXXX 4. XXXX ACCNT # XXXX 5. XXXX XXXX  ACCNT # XXXX 6. XXXX ACCNT # : XXXX 7. XXXX ACNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex wife was supposed to take my name off of the XXXX  account and did not and even though my name is not on the account as per the collections company and the account was paid by my ex-wife they still will not immediately take it off of my credit report. 





Below is the payment to collections for XXXX XXXX XXXX XXXX, account XXXX. XXXX did not know he had to return the old receiver. When The account was transferred over to his name, the representative messed-up and kept your SSN on the account. 


Begin forwarded message : From : XXXX Date : XX/XX/2020 at XXXX XXXX CDT To : XXXX Subject : Payment Confirmation Dear XXXX XXXX, Thank you for making your payment in the amount of {$290.00} for reference number XXXX. 

Please allow up to 3 business days for this payment to be reflected on your account. 

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. 

Name, address and history of Collections Company SEQUIUM ASSET SOLUTIONS Last reported XX/XX/2020 {$0.00} Reported balance Original balance {$290.00} You owe 0 % of the original balance OVERVIEW Opened XX/XX/2020 ( 2 mos ) Account status Closed Type -- Responsibility Individual Remarks Consumer disputes this account information Original creditor name SEQUIUM ASSET SOLUTIONS  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report.

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. This includes conducting reasonable investigations into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to XXXX XXXX compliance standards. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried unsuccessfully for Equifax to update my credit file. My information has been merged with someone else and it has been a nightmare trying to get this fixed. I have 2 bankruptcies, one is not mine. They have merged my birthday and social security number together. I have sent proof of my identity and they still reply that theyre information is correct although XXXX  and XXXX  reporting information correctly. Calling Equifax to speak with an American agent has not been helpful as well. They never sent my credit report or send it to the wrong person. Then they dispute information I have not authorized. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a security freeze in place with TransUnion. There was a 'temporary lift ' placed on my credit freeze that I had never authorized. I'm a victim of Identity Theft and a person was able to apply for a credit card with my information as a result of this temporary lift. Every time I try to remove the lift online, I'm told I have to call them. When I call them, they deny there is a lift on my credit freeze, however, I insist there is a lift because the information on my online account shows there's a temporary lift and an identify thief was able to submit applications for a credit card. 

After speaking to several TransUnion reps, they keep insisting there is not a temporary lift.