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

I had reached Equifax XXXX, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX Acct # XXXX, XXXX  Acct # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX/XXXX  Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX  Acct # XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, INQUIRTIES : XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my TransUnion and XXXX credit reports, I have identified inaccurate inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Product: Checking or savings account

Company deposit money into my account using the debit card after asked me to connect my account to an internal account after that they start taking funds out of my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. The reason I believe it is hers is because a furniture company claims that I have opened an account with them at our property but then again there is another name that was used XXXX XXXX so I am not 100 % sure none the less she does not admit to using my information but I can not explain how I have 3 repossessions on cars I did not finance and who could possibly be on the receiving end of a personal loan and furniture without my presence. I spoke with an officer XXXX in the Sheriff 's office and he advised me their department is very busy with evictions and subpoena 's and quite frankly I don't have enough information for them to make an arrest. I have notified the bureau 's but they did not respond or remove the fraudulent accounts from my credit report. 
Attached is a copy of my identity theft affidavit and the letters I have sent to the bureau 's.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found some accounts XXXX  account # XXXX and XXXX XXXX  XXXX my credit report that was not opened by me. I dont know if someone has this account in my name or added me to an account but these accounts do belong to me This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2019, received letter from Wells Fargo stating I had been unfairly penalized by the application of CPI charges when I actually had insurance. The letter had a check attached and stated the remaining balance on my car loan would be waived and the credit reporting agencies would be contacted to correct or remove negative reporting. " No further action required from you. '' XX/XX/2019, I was still receiving collection calls from Wells Fargo. Emailed and faxed a copy of the letter to collections and received confirmation of receipt but no follow up. 

XX/XX/2019, I called and CPI team transferred me to collections who told me to fax the credit reporting team. I did and had no follow up. 

XX/XX/2019, same as XX/XX/2019. 

XX/XX/2019, received notification a negative mark had been added to my credit report as the loan was reported as charged off, which is not what I was promised. Called Wells Fargo went through the same transfer from CPI to collections and then was told to file dispute with collection bureaus ( who told me to call the bank ) and email credit reporting team. 

In short, no one will help me. The people at Wells Fargo who have the power to fix this won't even though I have it in writing that all collections will cease, all negative remarks will be removed and any amount due forgiven.
Product: Debt collection

JHPDE has reported a collection on my consumer report without prior consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know anything about this debt, please delete from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

GOODWILL LETTER XXXX XXXX Account Number : XX/XX/XXXXXXXX To Whom It May Concern : XXXX XXXX  Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains [ a late payment/payments ] reported on XXXX months includes XXXX. XXXX XXXX, XXXX, XXXX, and XXXX. XXXX XXXX, XXXX, XXXX. for my One Main Financial account. 

I want you to know that I understand my financial obligations, and if it werent for [ circumstance that caused you to miss a payment ], Id have an excellent repayment record. I made a mistake in falling behind, but since then, since COVID19 things has been very hard, I'm at a point that I'm reestablishing myself. I have a better job and I'm in the process of saving more and I'm enrolled in financial seminars weekly. I'm improving my credit as well and learning money management. Ive had a spotless record of on-time payments. 

Im planning to apply for to purchase a home in the next year and a car as well. This forgiven will help my credit greatly, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late in the amount of XXXX which includes the year and months of late payment. XXXX months includes XXXX. XXXX XXXX, XXXX, XXXX, and XXXX. XXXX XXXX, XXXX, XXXX for my One Main Financial account. 

Thank you for your consideration, and I hope youll approve my request.
Product: Debt collection

in XXXX, I sent a debt validation letter to Professional Debt Mediation Inc. regarding a {$2100.00} debt that appeared on my credit report. I requested proof of their right to collect the debt, a detailed account history showing how the balance was calculated, and a signed agreement verifying my obligation to repay. Despite this, they failed to provide sufficient validation to prove the legitimacy of the debt. The account remains on my credit report, which I believe is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Checking or savings account

CitiBank continues to steal my money. 

On XX/XX/XXXX I tried to make an online order for {$210.00} at XXXX XXXX XXXX but the transaction kept being declined. When I looked at my account I saw that Citibank debited the amount twice. Now I do not have the order and am out/ can not access over {$400.00} of my money to pay other bills. When I called, they explained that this happened because of a system-wide XXXX issue on the date I made the purchase. These debits are pending and they will not do anything to release it even with available knowledge from the merchant that no orders were processed. I am just to wait until they decide to remove these debits and have XXXX concern for my inability to access my own funds. I have to pay other bills and now I can not. It's not the first time I have this type of issue with Citibank. In XXXX of XXXX XXXX contacted me that my XXXX account had been accessed. There was a charge of {$76.00} that was fraudulent. I live in XXXX XXXX and this was placed from an XXXX XXXX XXXX XXXX  and delivered to XXXX XXXX. I disputed the charge but after a few months Citibank said that they believed the charge was done by somebody who knows me which is completely untrue. In XXXX of XXXX I appealed that decision and provided the email from XXXX that my XXXX account had been hacked right at the same time the purchase was made. It is XX/XX/XXXX and this has not been resolved. 

Citibank does nothing to protect my money and provides zero customer service or solutions when you call with these types of issues. At Citibank, my money is at risk of being taken and never returned. I want to close my account but I am still waiting to have my money return to me before I can even do so. This is unconscionable and their lack of regard for clients is disgusting.
Product: Credit reporting, credit repair services, 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 15 USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts and delete from report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of Education XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. Even after uploading proof from the following creditors that they accounts were not mines and should be deleted, they still remain on the bureau illegally. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. I have also attached a copy of a recent letter for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023 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 15 USC 1681. 

XXXX  Account # XXXX, 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 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: Credit reporting, credit repair services, or other personal consumer reports

Picked my bank card chip key bank XXXX XXXX XXXX XXXX XXXX witnessed XXXX at XXXX yesterday old XXXX XXXX threw XXXX XXXX XXXX thru my hse wall XXXX  XXXX at XXXX on the floor XXXX XXXX hse XXXX  XXXX XXXX XXXX wa XXXX XXXX XXXX divorce XXXX irrevocable broken marriage vow
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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.

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I Believe I am a victim of identity theft or mistaken identity. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. 

XXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXXXXXX XXXX ; Date : XX/XX/XXXX XXXXXXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX XXXXXXXX ; Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX ; Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered a Portfolio Recovery account " Placed for Collection '' only after pulling my credit report. Portfolio Recovery did not abide by the rules of the Fair Debt Collections Practices Act as I never received a notification by letter, email, or phone call from Portfolio Recovery, and was denied the right to validate or dispute this account. Furthermore, Portfolio Recovery, without my knowledge, furnished this collection account to the credit reporting agencies.This is a fraudulent act by Portfolio Recovery and should be fined maximum amount of {$1000.00} per violation they have committed on my credit report. This acount needs to be deleted from My credit profile.
Product: Checking or savings account

I saw a 4percent rate advertised by CIT bank so I opened a acount and transferred XXXX to the acount a week later I could not access the acount I called CIT and they said the account was closed and they would return the money back to the funding institution. They refused to say why kept saying I will get a letter which never came. The acount was opened on XX/XX/2023 and was funded the next day. Called again on the XXXX and they said it takes 30 days to refund the account. I explained I never got my money or a letter explaining what happened. They would not tell me. I then filled a complain with the fdic which apparently they turned over to you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated XX/XX/2023 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Equifax such authority. In accordance with 15 USC 1681a ( 4 ), I have the right to privacy by furnishing transactions between I the consumer and the furnisher which is a violation 15 USC 1681a ( 2 ) ( A ) ( i ).

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( iii ) - the consumer must be given a chance to direct the information whether they want the information about a transaction to be reported or not. This is referenced to the Gramm Leach Bliley Act. I was not given that opportunity which is a violation of said section. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted Equifax and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. Pursuant to the Fair Credit Reporting Act 15 USC 1681a ( e ) Investigate consumer report means no factual information should be furnished on my consumer report. Pursuant to 15 USC 1666-1666b and 12 C.F.R. 226.13 remove all late payments. In Accordance with 15 USC 1681 ( a ) ( 4 ), I have the right to privacy and you are invading my right to privacy by furnishing transactions between I the consumer and the company XXXX XXXX ) which is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ). 
XXXX Account Number : XXXX I demand that these late payments be removed or be civil liable for damages pursuant to 15 USC 1611 ( 1 ) ( 2 ) ( 3 ) you will be fined no more than XXXX or no more that XXXX year in jail. 
Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the abovementioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 
I request that you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of the payment being late, update the payment history to be paid as agreed/never late ( PAANL ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX, XXXX, CA, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit card or prepaid card

Received unsolicited debit card from US Bank. Identity theft?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 a collection showed on my credit report from XXXX XXXX XXXX via Choice Recovery. This is not my account. It was confirmed that this was not my account, but my son 's ( XXXX XXXX XXXX, not XXXX XXXX XXXX ). I filed a dispute on XXXX XXXX at that time. This information is still reflected on my credit report. My wife and I applied for a Home Equity Line of Credit to pay down our debt and were denied due to this collection causing my score to be XXXX, not above the 700 that is required. My son, my wife and myself have spoken with the collection agency and the company who originated the file. They state they did not report this on my social security information and that the credit reporting agency must be pulling the data incorrectly. The credit reporting agency does not have my dispute on file, from XXXX of 2017. They have asked that I submit another dispute because it is only the collection agency that can remove the negative report. I don't believe I should be required to file another dispute, which will take longer to resolve. Time is of the essence and I am respectfully requesting this be removed from my record immediately. This is going to impact my credit score even further due to needing to have another inquiry to obtain credit after this denial. Choice Recovery, the collection agency has sent me a letter showing that this is being requested to be removed from my son 's record. They state it was not filed on mine, but clearly it is. Please remove this from my record.
Product: Checking or savings account

I am XXXX XXXX, my address is XXXXXXXX XXXX for the past XXXX years. 
I received a piece of mail during the week of XX/XX/year> from Citibank addressed to a XXXX XXXX. I do not know a XXXX XXXX and this is not a family member. I returned the mail to XXXX. 
During week of XX/XX/year> I received XXXX additional pieces of mail addressed to XXXX XXXX from Citibank. I opened XXXX and it contained a new debit card for XXXX XXXX. 
I contacted Citibank to report this information. I was able to verify that their system showed an account was opened under this name. At their request I opened the other piece of mail and it contained the PIN number for the debit card. 

They took this information and said their fraud department would investigate and get back to me with their findings. 

On XX/XX/year> a piece of mail from Citibank Risk and Fraud Operations was received addressed to XXXX XXXX. This contained a form letter that they confirmed an account was opened under the addressees name without their knowledge or consent. 
My concern is they are addressing the wrong person and potentially sent information to credit reporting agencies that is inaccurate.