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

These accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts where even opened. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

My FTC report is included. 
The report number is : XXXX AFNI ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Please remove any inquires that have no account or is shown as duplicate. My credit file needs to be up to date 100 % accurate no inaccuracies or else you went against the law.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately! I had 2 Late payments on an account XXXX  that it was in fact paid on time. The consumer reporting agency need to report all information with complete accuracy. this account has not been late on payments. I have attached a copy of my report to this complaint on the following dates XXXX XXXX and XXXX XXXX I am now requesting you invetigate the account and update this payments to on time immediately thank you for your understanding
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} 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
Product: Credit card or prepaid card

IF ARE SUCH A CARING INSTITUTION WHY ARE YOU CHARGING ME SUCH A HIGH INTEREST RATE AND FOR LONG WHEN OTHER INSTITUTIONS CHARGE SUCH A LOWER RATE. I JUST CAN'T UNDERSTAND YOUR REASONING!!!!
Product: Credit card or prepaid card

In XXXX I have received a Sears Master Card issued by Citigroup. I have always paid all bills in time. In XXXX I have received a note, stating that Citigroup is changing things, including issuing new Credit Cards. I did not get a new Credit Card. 
But with statement closing date XXXX I have received a Statement for an account number I did not have. I have never had a credit card with the number in this statement. I have never activated a credit card with this number, because I have never received a card with this number. So it is not possible for me to use a credit card I do not have. I HAVE CONTACTED CITIGROUP IMMEDIATELY TO SOLVE THIS PROBLEM. The lady I talked to at the phone was rude, did not let me explain the case and hung up on me. 
So I wrote a letter to the billing department. The letter has been ignored. I wrote more letters to Citigroup, including to the CEO of Citigroup and the Vice President of Citigroup. The one to the vice President with Return Receipt. WITHOUT SUCCESS. Citigroup keeps sending Statements for the credit card account I have never had. They are adding up late fees to the statements. They have closed this account that never existed in my name. 
They handed this case over to a collection agency and have reported this to the credit bureaus what gave me a negative entry in my credit report and brought my credit score down.

I AM TREATED BY CITIGROUP LIKE A CRIMINAL, JUST BECAUSE CITIGROUP IS NOT WILLING TO SET THE RECORDS STRAIGHT AND CORRECT THE MISTAKE THEY MADE. 
I explained that to the collection agency and pointed out that citigroup has to file a law suite to receive a Judgement from the Court to have a legal claim. A law suite would clear the mistake made by citigroup.

I am not willing to pay any money for a mistake made by citigroup.

I expect citigroup to clear my records, and I expect that citigroup clears my Name at the credit bureaus, meaning that my Credit Report will be cleared of this entry and that my Credit Score will be cleared and returned to the state it was in before this negative entry from citigroup came.

Citigroup should also pay me Reparation for all the  trouble they put me through.
Product: Credit card or prepaid card

Oportun allowed fraudulent charges on my credit card, I haven't made any purchases on the card as of today. XX/XX/2022. Yet Oportun show 's the balance is {$500.00}, I did call XXXX XXXX  and advised them that I never made charges on this account as of yet, that there are fraudulent charges from a XXXX XXXX, fraudulent charges from a XXXX, fraudulent charges from a XXXX  's and XXXX XXXX. I have not made any of these charges. These charges date back month 's ago, I already called in and reported that. Oportun never assisted me with these charges. Instead on XX/XX/2022 The date the payment was due Oportun proceeded to charge me with a LATE PAYMENT ON THE DATE IT WAS DUE. In the amount of {$25.00}, and they harass me daily. Again, I haven't made any charges on the card as of yet, so there shouldn't be any balance. I want these fraudulent charges disputed and investigated. These are unauthorized charges. These date back month 's, and Oportun continually doesn't assist with the issue. Instead assumes I should pay for the fraudulent transactions. I have made several attempts to contact their customer support to advise of this including the number that I was directed to call for the Fraud Department and the lady never could understand me.
Product: Credit card or prepaid card

I had a credit line with XXXX XXXX XXXX with a minimum payment of {$35.00} a month. In XX/XX/XXXX i fell on financial hardship because I was a XXXX year old XXXX XXXX XXXX XXXX and missed a few payments. In XX/XX/XXXX my account was sent into collections because I could not afford to make the minimum payments.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX  XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I am moving to XXXX in two weeks, so I need to fix up my townhouse to either sell or rent it out by XX/XX/XXXX. I have XXXX mortgages, XXXX and XXXX. So, I decided to combine the XXXX and refinance. So, I went to Quicken loans online to get pre-approved and then contacted a finacial person. He looked up my score and said he ca n't give me the loan because I dont have a score of XXXX according to the FICO XXXX they are using. They were seeing XXXX, XXXX and XXXX. But my FICO XXXX and XXXX Score for mortgages according to XXXX ( I subscribe to ) is FICO XXXX : XXXX, XXXX, XXXX - XXXX XXXX : XXXX, XXXX and XXXX not matching what they see. Something is wrong, I have the right to see excactly what the lenders are seeing. I need the extra money to fix up my place and this combined 15 year mortgage 2.75 % would put about a {$1000.00} in my pocket, thus freeing money to pay down on my debts in large amounts and quickly. Right now my first mortgage is {$1000.00} without taxes and insurance which I pay on my own and the second is XXXX a month, so that is {$2200.00} a mnth. Note : one is bank and the other is a credit union. I always paid my mortgage on time, no late payments. In fact the XXXX mortgage is taken right out of my paycheck biweekly.
Product: Debt collection

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

NATIONAL CREDIT SYST XXXX Opened XXXX. XXXX, 2017 Balance {$3700.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern : This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
Inquiries XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, And XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX AND XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion, And XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion XXXX And XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion, And XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX TransUnion XXXX And XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX TransUnion, And XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, And XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion, And XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, TransUnion XXXX And XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, TransUnion XXXX And XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, TransUnion, And XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion, And XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, TransUnion XXXX And XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion, And XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion, And XXXX
Product: Student loan

I submitted an application to Mohela for loan forgiveness through the XXXX program on XX/XX/XXXX. Mohela stated that they submitted the forgiveness application to the Department of Education, specifically to XXXX. Mohela would not provide the date that they submitted the package to XXXX and the Mohela representative told me to contact XXXX directly for that information. I contacted XXXX on XX/XX/XXXX and the XXXX representative informed me that the last XXXX form they had any record of for me was from XX/XX/XXXX and that Mohela had not submitted the XXXX form to them for the XX/XX/XXXX application for forgiveness that I had submitted. 


XXXX website indicates that they will process XXXX applications within 30 days, they took almost 60 days to process my application internally, and now after almost 4 months XXXX has no record of Mohela submitting this application to them. Mohela must submit this application to XXXX for forgiveness ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$1100.00} XXXX XXXX {$220.00} XXXX  XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$530.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Product: Consumer Loan

I got behind on my bills and I could not pay my loan ... .And the local local company calls me everyday harrasing me I have told them over XXXX times to quit calling ... every time I get my cellphone number changed they get it without me giving it to them after the harassment ... I 've had my cell phone number changed XXXX times because of the same person ... I honestly truthfully feel after verbally fighting with them between XXXX and XXXX times and paying to have my number changed XXXX times I am being stalked and harassed ... I am XXXX and should not have to be treated like this.The name of the Company is Coventon Credit In XXXX AlabamaAlabama There phone number is XXXX.
Product: Credit reporting

XX/XX/XXXX XXXX XXXX, IL XXXX Comenity Bank/XXXX XXXX XXXX, OH XXXX Acct. # XXXX Dear COMENITYBANK/XXXX, I have recently received a copy of my credit report ( XXXX, XXXX, and XXXX ) showing a 30, 60, 90 day in early XX/XX/XXXX also a 30 late in XX/XX/XXXX. Quite frankly, other than remembering a periods in XXXX when I was briefly ill I have no idea how this oversight could have occurred. I am sure that you can see that my payment history with your company excluding this oversight has been impeccable. Again, I do not know how this happened as I am very conscientious about paying my bills on time. I would ask you to review my payment history with you and as a courtesy please instruct the credit bureaus to remove this very isolated incident from my credit file. These late payments is proving to create financial hardship for me. I have had a favorable experience doing business with COMENITYBANK/XXXX and look forward to continually doing business with your company in the future. 

I thank you so very much for your consideration in this matter. 
Sincerely, 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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXXXXXX 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: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of a Identity Theft on my credit report, which I have identified as a violation of the Fair Credit Reporting Act ( FCRA ). According to my records and confirmation from FTC, there is no account filed under my name, and the creditor should not report such information to any credit reporting agencies. 

I am a victim of Identity Theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. Enclosures : Police Report/Identity Theft Report, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) Identity Theft XXXX XXXX Credit bureaus must honor my request to remove fraudulent information from my credit report. This is called blocking. Once information is blocked, companies cant report the debt or try to collect it from me.
Product: Debt collection

On XXXX XXXX, 2020, I received a court notice stating the plaintiff, XXXX XXXX XXXX XXXX XXXX of Santander, voluntarily dismissed the garnishment of my wages without prejudice. I then received another notice from the plaintiff on XX/XX/2020, that garnishment would resume. They failed to include the defendant 's claim form for me to formally reply to. I emailed Cooling and Winter on XXXX XXXX, 2020, and respectfully made them aware that I am seeking representation from the Attorney General 's office in regard to the class action lawsuit against Santander for fraudulent loans. I did not receive any response to my email, yet they have already started garnishing my wages yet again for a vehicle that was REPOSSESSED MORE THAN 10 YEARS AGO!
Product: Checking or savings account

On XX/XX/XXXX, I made a PURCHASE of {$750.00} at XXXX using my DEBIT CARD and PIN. However, the purchase was canceled right away and the merchant ( XXXX ) informed that the funds will go back into my account. On XX/XX/XXXX, I filed a merchant dispute and it was denied. I called and asked why it was denied and nobody could give an answer. On XX/XX/XXXX, I refilled the dispute and explained that my purchase with XXXX was canceled by XXXX but they never refunded my funds back to my account. US Bank denied my claim and refused to tell me the reason why. Because it's within my right as a customer to request information, I formally requested that they send me the INFORMATION based on which they made their decision to denied my merchant dispute. However, they never provided me with the information. As of today XX/XX/, I have not received the documents or information US bank used in the investigation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Product: Debt collection

The company SEQUIUM ASSET SOLUTIONS has fraudulently placed their information against my social security number and it's causing great harm to my report. I reached out to this company multiple times over 30 days ago that this account is not mine as I have not signed a contract with them or any company they affiliate with and they have been unable to validate the debt and have not stopped reporting it against my social security number. They have no proof or validation that this debt belongs to me and refuses to remove it. This account is fraudulent and was made without my consent. This is the only thing on my credit profile that's holding me up and it's not my responsibility. SEQUIUM ASSET SOLUTIONS is a scam and doesn't care about consumer rights. I am not obligated to pay this account as it's not mine. This account need to stop reporting against my social security number and be removed immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several issues with my credit report as follows : 1. They show a former address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I have never lived at this address. My former spouse moved to this address beginning sometime around XX/XX/XXXX during our divorce which was finalized in XX/XX/XXXX in XXXX XXXX, TX. 
2. Derogatory information is shown on my report by XXXX XXXX XXXX which was a joint account when I was married. The account went to my former spouse during our divorce. That account was included by my attorney when I filed for Chapter XXXX, even though no balance was outstanding against me since it still showed on my credit report and my former spouse has a habit of not paying her bills on time. It would seem that any information related to it should be removed from my record since I owed them nothing at the time and I was removed from the account in XX/XX/XXXX/XX/XX/XXXX. 
3. I have been employed by The XXXX XXXX XXXX XXXX, MD since XX/XX/XXXX with a substantial gross salary as a XXXX XXXX XXXX. 
4. I do n't know if this is relevant, but I also have an IRA and a brokerage investment account with XXXX containing substantial assets plus a 401k through The XXXX XXXX, all containing substantial assets.