23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My name is XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX Illinois XXXX I am writing a complaint against Citibank they closed my account about 3 months ago yet they have a balance in the checking account that says it's available for {$3400.00} I was not expecting that money to be deposited into that account anyway and I already had my benefits transferred to another Institution so why does this bank still have the checking account still open and they're telling me that is closed every time I call them they tell me they're supposed to send the check or send the money back and they never do what I want is the bank account closed if they say they're going to close it then they need to close it because I am not using their financial institution anymore and this was their choice so I'm not sure whether to contact the lawyer because Citybank is not telling me anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One bank is report an incorrect balance on my credit report that has cost my credit score to drop below good to fair. The amount being reported was declined by Capital One due to my credit limit of XXXX dollars.

I have attached document from Capital One regarding this matter.
Product: Checking or savings account

Starting on XX/XX/XXXX there were unauthorized charges on my account with Chime. I live in Texas and the charges made are in XXXX XXXX, NV. Below I will be listing dates and amounts. 

XXXX XXXX- {$26.00} XXXX XXXX XXXX- {$13.00} XXXX XXXX XXXX XXXX XXXX- {$14.00} XXXX XXXX- {$86.00} XXXX XXXX- {$200.00} XXXX XXXX- {$11.00} XXXX XXXX XXXX- {$120.00} XXXX XXXX XXXX- {$41.00} XXXX XXXX- {$11.00} XXXX XXXX- {$11.00} XXXX XXXX XXXX XXXX XXXX- {$17.00} XXXX XXXX XXXX XXXX XXXX {$21.00} XXXX XXXX XXXX- {$9.00} XXXX XXXX- {$24.00} XXXX XXXX- {$22.00} These are all the charges that I did not authorize and Chime will not help me. I disputed them all and a day later they denied my claim. I spoke with another supervisor who said I provided more evidence for my claim and they denied it again. I have yet to receive documents showing me why they declined my claim and every time I talk to someone they say it can take up to ten business days. Can someone please help me with this unlawful bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Where to start .... I have an in accurately reported S.S #. Experian deleted without authorization an account that was in very good standing and reported as such! The account that was deleted and their refusal to fix/rectify the problem has DRASTICALLY affected my FICO Score. I even contacted the original creditor who in turn told me that Experian has to fix the problem and that they ( creditor ) couldn't not do anything on their end, because the account was paid in full and then closed! Experian has refused time and time again to DELETE incorrect collection accounts, because their justification is that it is tied to an address I have never lived at. The address is a Commercial Property that they have listed as residential. Again, I have never been associated with. Experian is also failing to include new accounts in good standing stating that it's not their problem it the company that reports. When I have spoken to the reporting companies, it's protocol to report to all 3 Credit Reporting Bureaus, because they are Credit Builder accounts. Experians point scoring is either significantly LOWER than other agency 's or SCORING NEVER CHANGES!! Experian is also reporting Medical items/charge offs/deliquencies that should not be reported at this current time!! They are purposely ham-stringing citizens and preventing them from squirting credit, because of TERRIBLE/INACCURATE REPORTING! PLEASE INVESTIGATE EXPERIAN.
Product: Credit card or prepaid card

We didn't receive any special letters or notice from opening the account to closing it. However, " Apple Card / Goldman Sachs '' keeps on mailing " {$0.00} balance '' statement to our mailing address. We already are aware that the balance is at " {$0.00} '' but what is " Apple Card / Goldman Sachs '' trying to achieve now/later/etc by keep on sending statement letters? Again, we didn't receive any special letters or notice from opening the account to closing it. ( Despite requests to stop mailing those unnecessary statements. It's becoming one of spam letters to be discarded ). Shall we mail a letter that includes SSN for confirmation to stop these statements? Is " Apple Card / Goldman Sachs '' able to simply turn off this statement from being mailed month-to-month?
Product: Debt collection

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 Subject : Formal Dispute and Demand for Immediate Removal of Inaccurate Accounts under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the inaccurate and unverifiable accounts currently being reported on my credit file with XXXX. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is 100 % accurate, verifiable, and in compliance with federal law. Failure to do so constitutes a violation of my consumer rights. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to 15 U.S.C. 1681i ( a ), I demand an immediate investigation into these accounts. If these accounts can not be fully verified by original source documentation, they must be permanently removed from my credit file. As per 15 U.S.C. 1681e ( b ), you are legally obligated to maintain maximum possible accuracy. The continued reporting of inaccurate or unverifiable information is a clear violation of this statute.

Additionally, I have suffered financial harm due to your failure to uphold FCRA compliance. I have been denied loans, credit cards, and subjected to increased interest rates, directly affecting my financial well-being. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, I reserve the right to seek legal damages for willful and negligent noncompliance if these errors are not rectified immediately.

I am providing a copy of my government-issued ID, proof of residence, and a copy of my credit report highlighting the disputed accounts. You have five ( 5 ) days from receipt of this letter to permanently remove these inaccurate accounts, or I will be left with no choice but to escalate this matter legally. 

Please send me written confirmation of the deletion of these accounts upon completion of your investigation. I expect full compliance and a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed several inaccuracies on my credit report with dispute letter dated XX/XX/2020 to XXXX for the account XXXX XXXX XXXX that's being reported on my credit profile. XXXX responded back to me stating the company that reported the information has certified to XXXX that the information is accurate. I am filing a complaint on XXXX and XXXX XXXX XXXX for the inaccurate information reported on my credit profile which is highly damaging to my credit score. Because of the inaccurate information reported I would like for the item XXXX XXXX XXXX be deleted per FCRA. 

In the dispute letter I also asked XXXX to disclose all information to me in my consumer file clearly and accurately per Section 609 ( a ) ( 1 ) of the FCRA without any truncates of my account number and social security number. XXXX  have failed to do so as I requested.
Product: Credit reporting or other personal consumer reports

This {$100000.00} student loan account has already been disputed with XXXX and resolved as paid in full. The {$100000.00} Forgiven/paid in full as part of Public Service Loan Forgiveness ( PSLF ) Recent payment {$100000.00} as of XX/XX/XXXX. Now the same {$100000.00} has been unlawfully re-aged by MOHELA and XXXX as if owe it again. And re-appeared after it had been disputed and investigated and documented by XXXX as Paid in Full as my new balance and inaccurately as my new balance. Even though as can be seen MOHELA Account information had zeroed everything in my account from Principal Amount {$0.00}, monthly payment {$0.00} Pay off Amount {$0.00} The loan has been Forgiven/paid in full and should be reported as /paid in full to credit agencies Per MOHELA XX/XX/XXXX, Letter : Despite MOHELA XX/XX/XXXX, Letter : Congratulations! The Biden-Harris Administration has forgiven your federal student loan ( s ) listed below with MOHELA in full. This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX XXXX XXXX XXXXXXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : XXXX. The method of validation used to verify the disputed account ( XXXX ). 

XXXX. The contact information for the creditor or furnisher, including their name, address, and phone number. 

XXXX. A detailed explanation of how the account ( XXXX ) was verified for accuracy and completeness. 

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms XXXX. Purchase contract of this account The specific account ( XXXX ) in question are as follows : XXXX XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 



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

This complaint is just to notify you the credit bureaus aren't doing their job. I sent out disputes to all three credit bureaus on XX/XX/20 and I have yet to receive a response from any credit bureau. I'm not the only one either. I've spoken to another friend of mine who was also disputing accounts back in XXXX and she says she has not received anything either. We both looked up how long the disputes were supposed to last and everything I read says its only thirty days. Even XXXX  's own website says " In most cases, disputes are completed within 10-14 business days and quite often within two to three days. The length of time depends on the type of dispute and how quickly the lender or other data furnisher responds. 
While usually completed much faster, the Fair Credit Reporting Act ( FCRA ) requires that XXXX  allow 30 days for the dispute process to be completed. '' We are on XX/XX/XXXX and its been TWICE that amount of time and even longer for my friend. What do we need to do to get our disputes processed and completed?
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 

Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Mortgage

I have been paying my mortgage payments on time and sending in extra so that I can pay my mortgage down faster. But the balance of my mortgage is increasing. It was down to {$39000.00} but now it is showing that I am at {$42000.00}. 

Also, I have been XXXX since XX/XX/2018. My rate has been lowered since I am on orders but I received a letter stating that they are going to increase my rate again, But I am still on XXXX.
Product: Credit reporting

Experian credit reporting agency is doing what they want on my credit report andd then lying about who is puting these alerts on my repoert I'v called in about the alert on the XXXX of XXXX to make sure that it was being or has been removed and i was told it was to recieve a letter in the mail that they have place another alert on my file and has stopped all credit offerswhich i did not authorize this a XXXX time. There are XXXX credit file for XXXX one is XXXX that I did not owe XXXX any money i paid a partial owing XXXX dollar balance and they turn my service off the only way i could use my phone was to pay the other XXXX which i did and they place a bill for XXXX dollars that i do not owe i disputed this and they continue to verify but i have been asking to show me thelast bill paid and how it was paid as proof. other XXXX bill was charges placed on an account that was not owed for wiring because my home had caught fire and it was suppose to be a reconnect and then they try to bill me for wiring on an reopen account I do not owe them any money I disputed unauthorized credit inquires that are on my report that i did not authorized, that are constanlty be verified as correct. the last account is XXXX for XXXX that they continue to verify as my account without any proof as well
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX 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 15 USC 1681. 
I told XXXX, XXXX, and XXXX to reinvestigate the two accounts that's below and label as Reginal Acceptance and XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, inaccurate late payment, false reporting with collection and much more is incorrect. According to

15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relatin
g to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case - CREDIT COLLECTION SERVICE IS DAMAGING MY REPORT THIA ACCOUNT IS NOT MINES I DID NOT SIGN ANY DOCUMENTS OR AGREED TO ANY TERMS WITH THIS COMPANY. THIS IS IDENTITY THEFT CREDT COLLECTION SERVIC HAVE NO RIGHTS TO REPORT SUCH INFORMSTION. I REFUSE TO PAY SUCH DEBT. I DO NOT OWE SUCH DEBT THIS IS A VIOLATION UNDER 15USC1692g, 15USC1692b, 15 USC1692e, 15USC1681e ( b ). 

- REGINAL ACCEPTANCE CO. REPOTING FALSE INFORMATION. REPORTING 30 DAY LATE PAYMENT. INACCURATE AND FALSE REPORTING I WAS NEVER LATE THAT IS FALSE INFORMATION AND REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent letters in regards to the incorrect information that is on my credit profile. I have yet to receive a response and it has been over 60 days. I'm very unhappy that I have been ignored and I have been very patient. It has been a rough time during this pandemic and I am trying to purchase a house for my family but being that there is incorrect information on my credit report it is hindering me from doing so. It has also cost me thousands of dollars each year due to the incorrect information. Being that it has been over 60 days and I havent received a response. I demand that these accounts be deleted. I will not keep waiting and waiting. An investigation should have been done by now, now I NEED the items deleted being that they havent done their job in the appropriate amount of time. I'm very knowledgeable of my rights and if items arent deleted I will be filing for litigation due to all the stress Ive been caused due to being ignored.
Product: Credit card or prepaid card

Added an offer to my American Express card that offered {$25.00} statement credit if card was used to procure a new XXXX 's XXXX membership. On XX/XX/2021, new membership subscription was acquired and charged {$45.00} to my American Express card. To date, the credit has not been posted to my American Express card, despite multiple attempts to rectify this with American Express customer service.
Product: Credit reporting or other personal consumer reports

I sent a detailed written dispute regarding several accounts that were repeatedly reporting inaccurate and/or misleading information and requested a detailed written response as I am entitled to receive. A copy of my letter is attached. 

As the only of the 3 credit bureaus I submitted these disputes to, Trans Union was the only one that sent a written response, but contained none of the information I requested or any documentation or proof to support their decision. A copy of their letter is attached and a copy of my most recent credit report. It should be noted that TransUnion will not provide a credit score unless you pay for it.
Product: Credit reporting or other personal consumer reports

I am requesting that you please provide me with all verification results regarding this account sothat I may investigate these claims and take appropriate legal action.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


Account Name : XXXX XXXX Account NumberXXXX Amount : {$0.00} DateXXXX
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute the accuracy of information on my Experian credit report related to a specific account. After a thorough review of the report obtained from your agency, I have identified discrepancies that require immediate attention. 

The inaccurate information pertains to the following account : Account XXXX : XXXX XXXX : {$600.00} XXXX of inaccuracy : I dispute the validity of this account and the associated balance. To my knowledge, there is no contractual relationship or financial obligation tied to this account. I have not engaged in any transactions with the specified creditor resulting in the reported balance. 

I kindly request a comprehensive investigation into this matter in accordance with the Fair Credit Reporting Act ( FCRA ). In order to assist you in conducting a thorough review, I am enclosing copies of supporting documentation related to this discrepancy. 

I understand that Experian is required to complete this investigation within 30 days of receiving my dispute. I kindly request that you provide me with written confirmation of the results of the investigation, including any corrections made to my credit report. 

Additionally, pursuant to my rights under the FCRA, I am requesting copies of the original documentation related to the disputed account. This includes contracts, applications, statements, or any other relevant information that contributed to the inclusion of the disputed item on my credit report. 

Please send me the requested documentation at your earliest convenience. Your cooperation in this matter is crucial to ensuring the accuracy of my credit report and protecting my rights as a consumer. 

I appreciate your prompt attention to this matter. If you have any questions or require further information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your assistance in resolving this dispute. 

Sincerely, XXXX XXXX XXXX