23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The attached account AFFIRM LLC has reported an account being opened on my credit report in XX/XX/year> as of XX/XX/year>. This item was not authorized by me. This account is fraudulent. The XXXXXXXX XXXX  police have been contacted. I ask that you remove this item from my credit report as I have not authorized affirm to access my account nor do I have any inquiries on my report from Affirm from XX/XX/year> which proves I did not authorize Affirm Inc to pull my credit.
Product: Mortgage

I have an FHA mortgage loan that I used to buy my home that is held by Citi Mortgage. At that time, I was XXXX and had a successful XXXX XXXX XXXX XXXX XXXX XXXX. However, after the market crashed and the recession hit I began struggling financially and lost most my clients. I was soon forced out of business and had to start from scratch taking a XXXX job. This caused me to struggle and I began missing mortgage payments. I tried to get Citi Mortgage to work with me but just got the runaround from their loss mitigation department. I continued trying to negotiate and was able to continue making the mortgage payment on occasion. I was hoping for some kind of resolution. In 2013 I was finally able to get some traction with Citi and was approved for a trial modification and made 4 payments and was expecting to be put into a permanent solution. However, while in the trial plan I came home and found a man trying to change the locks on my property!!! I got information from the person who was supposedly the new owner and found out that the foreclosure was false, and that this company out changing the locks was shady and that Citi Financial was representing another company that was committing fraud. I was able to go to court to try and get this matter resolved, and thought I had things straightened out. However, I am now told that I am back in foreclosure. I have been made aware that Citi Financial has been involved in other cases of fraud with HUD and misrepresenting FHA loans and the status of these loans they are holding. I want to resolve this situation and save my home. I have rebuilt my XXXX XXXX and am back on my feet financially and able to afford a fair and reasonable monthly payment. My issue is that Citi is failing to conduct a review of my current and correct financial information in order to determine what retention programs that FHA has developed for struggling homeowners I qualify for. This should not be optional for Citi Financial, it should be required.
Product: Credit reporting or other personal consumer reports

see attachments/ Because my rights are being violated under FCRA 15 U.S.C. 1681 governs my rights to consumer credit report records and promotes accuracy, fairness, and Privacy of Personal information assembled by Credit Reporting Agencies. The XXXX have and are violating MY Consumer Rights. 
my right to privacy my Identity being used without my written consent my right to fair and accurate reporting with my permission my right to obtain credit and
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX Re : Dispute of Collections Account # XXXX Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. ( XXXX XXXXXXXX XXXX ) Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. 

I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. 

Thank you for your attention to this urgent matter. 

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

I am REWRITING to formally resubmit the complaint to TRANSUNION regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are negatively affecting my credit report and costing me thousands of XXXX in interest every year which is outrageous. This is not a regular dispute I am filing. I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts being taken place. I need this problem fixed rapidly because I will not wait another 60 days to receive no response due to the fact that I am clearly being ignored. I demand these accounts be deleted expeditiously or I will file for litigation due to the stress you have caused me. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately.
Product: Checking or savings account

Let me say it again : at that time, I was very clear in asking XXXX XXXX whether there were any account opening promotions. I have a U.S. address and I am a U.S. XXXX XXXX holder. If there were promotions, I asked her to inform me. She chose to say there were none, which is outright deception! It's not about me needing to meet all the conditions before you tell me about the promotion ; rather, you should have told me about the promotion first so that I could check if I met the conditions, not the other way around! XXXX XXXX 's explanation is just a weak excuse! I even asked XXXX XXXX if a U.S. address was necessary, and she said it wasnt, that overseas addresses were finethis is blatant misinformation, isnt it? She first said there were no promotions and then said a XXXX address wasnt required. This obvious deception and misinformation is being denied as the bank 's fault? Not to mention the extreme chaos in HSBC 's managementafter scheduling an appointment with the relationship manager, when I arrived, the person wasnt even there. The bank didn't apologize for leaving the client hanging and even refused to process my account opening. Eventually, after some effort, they randomly assigned someone to help, which shows how irresponsible they were. The " 2024 XXXX Int. XXXX. Offer Terms.pdf '' file attached in this reply was never even mentioned by XXXX XXXX. I asked her multiple times if there were any account opening promotions, and she repeatedly said " No. '' If you had simply informed me of the content of this document, I could have decided for myself whether I met the conditions! But HSBC completely deceived the customer and disrespected my right to be informed, and now youre making excuses saying I dont meet the conditions! The problem is that you never let me fill in a U.S. address, and you never told me about an account opening promotional offer, so how could I meet the conditions? How would I know what conditions I need to meet? Isnt this the core issue? The bank is trying to cover up their contempt and disregard for the customer 's right to be informed with various excuses, which is truly infuriating! Clearly, I was fully eligible to meet the conditions for the promotional offer rewards, yet Ms. Lu, the relationship manager, deliberately misled me into not filling in a U.S. address, which resulted in me being unable to meet the conditions. Isnt this blatant deception?
Product: Credit reporting or other personal consumer reports

These inquiries in my file are all fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Have made numerous request and complaints to have a specific purchase corrected. Several months later the issue has fallen on deaf ears and is still outstanding. Purchase for {$1300.00} made on XX/XX/2020 is supposed to be on the 24 months no interest plan! I have been complaining ever since this purchase was processed incorrectly by Comenity Bank and Wayfair! This purchase was placed on a 24 months LOW APR plan, this is not what I selected! 

Immediately, enter a billing dispute for the above and place this purchase on the correct finance plan which is 24 months no interest!
Product: Checking or savings account

I have opened a checking account on XX/XX/XXXX based on promotion to receive {$500.00} bonus. I have fulfilled all the requirements for the bonus. According to the promotion the bonus was supposed to be in the account on XX/XX/XXXX. However, nothing was deposited. I went to the branch several times and opened a case # XXXX on XX/XX/XXXX at the branch. At the branch I was told that everything is in order in my account and that the case would be resolved in 5 business days. However, there is no resolution yet. The managers at the branch are neither returning my calls nor replying emails about the issue. Every time I call the main number for the bank I am told to wait longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute with XXXX because there are 2 fraudulent accounts on my credit report they are both from the same lender PATIENTFI/LAUNCH one was in XXXX, 2022 the other XXXX, 2022 XXXX said they an investigation and found that these were my accounts which is not true so I did my own investigation and called Patientfi at XXXX and spoke with a representative named XXXX and found out they have a fake email and phone number also the loan was used for XXXX XXXX in someone else name but they got a loan using my ss number strongly urge XXXX to call this company and they will tell I never signed any paperwork they don't even have a copy of my ID
Product: Credit card or prepaid card

I am a victim of identity theft. US Bank opened a credit card account in my name without my consent. I have sent this company multiple police reports as well as affidavits of identity theft. I have also disputed the debt numerous times with the credit reporting agencies. The company still places the fraudulent account on my credit report. I have requested contracts with my signature and etc. to serve as proof that I indeed did opened an account and they continue ignore me and my requests.
Product: Debt collection

inaccurate account information showing on my credit reports b/c of the eqifax breach
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Vehicle loan or lease

Ive explained several times this iksnt my account and theres a clear mix up because Ive never received anything and this vehicle wasnt in my possession
Product: Credit card or prepaid card

JP Morgan Chase bank has again, billed me wrongfully, negligently, and I believe intentionally purposely trying to cause me still more XXXX XXXX Please see previous CFPB complaint numbers XXXX and XXXX. Please see JP Morgan Chase Bank 's explanation, and reply. 

JP Morgan Chase bank has again billed me for the same fraudulent purchase. Cited in XXXX earlier mentioned complaints. I saw it today on XX/XX/2020. My XXXX credit card has again, been charged XXXX for {$130.00} DATED XX/XX/XXXX from XXXX   XXXX XXXX. I thought this was resolved. Please see their reply and explanation from two cited CFPB complaints.

Please excuse my lack of memory, I may be forgetting exact details as my mind may block out painful events. Seems as though XXXX   Fax 's were sent to Chase bank ( I do have them, numerous pages ) and they ( Chase bank ) finally made proper corrections and credited my account. Now, they are attempting to take it back. In fact, Chase has/have doubled the amount. Purposely and Intentionally causing me more XXXX XXXX. It has already had a negative effect on my health. The XXXX fax 's to Chase bank clearly proved that XXXX XXXX XXXX had charged me fraudulently. A complaint was filed with the XXXX XXXX XXXX. Against XXXX   XXXX XXXX. 

Please have Chase bank SAVE all my secure on line messages to them. As they are evidence. 

Please be so kind to have Chase bank again, correct these same errors. Please have JP Morgan Chase bank STOP CAUSING me XXXX XXXX.
Product: Credit card

I have an account with citibank. I had financial difficulties any could not make my monthly payments on the account and my account was over the limit. Citibank closed the account and continually reports over-limit and late payments to the major credit bureaus. I am not disputing that I owe citibank nor am I trying to not pay them. I have been paying what I can and recently set up an autopay payment of {$64.00} to be debited 2x 's a month in the amount of {$32.00}. On XX/XX/XXXX I received an email saying my autopay was coming up and the amount was not {$32.00} is was {$780.00}! I did n't set up nor authorize a payment for {$780.00}! I immediately went online and changed it back to {$64.00}. I received an email confirmation of my updated payment. I went online and checked my bank account and citibank withdrew {$780.00} which caused my car and credit card payment to bounce resulting in return and late fees of {$170.00}! My credit card charges an additional fee of {$39.00} because now I am also over my limit! I called citibank and while the person I spoke with tried to help he said my account was on hold and they would n't do anything. I had to call my bank and explain everything, then call the credit card company, and them the car company. This has been an all day ordeal due to citibank fraudulently withdrawing more then I authorized!
Product: Credit card

# 1. I cancelled a product protection plan from Ashley furniture and they have not fully credited my account for {$790.00}. # 2. They have not sent me any updated invoices as per changes, returns and/or credits i.e. console {$230.00} that was returned on delivery and free delivery/taxes ie ... {$8000.00} - $ XXXX $ XXXX balance that should have been {$7400.00} not {$7400.00} # 3. I get asked to wait for a resolution from the Ashley home who has never contacted me. # 4. I had to open XXXX dispute claims for the same issue with Synchrony Bank and keep getting no results because Ashley Furniture sends them false info. The last update actually indicated that my dispute was won. But No amount was credited to me on the next invoice. # 5. They have changed my disputed amount of {$290.00} to {$290.00}. 
# 6. They keep referring to purchases that were made on a different Credit MasterCard and invoice which had all returns credited to me immediately, with the original invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance Owed : {$26000.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX  XXXX Balance Owed : {$26000.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX multiple times to report correctly and erase my balance. I paid it off in XXXX and it keeps reporting I havent paid. They say they will fix it, but I havent seen a change. I asked Experian to fix the report and they just disputed it again! I have disputed and called multiple times throughout the past 5 months with no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account on my credit profile since XX/XX/XXXX. When asked how are they verifying this item they will not respond at all via mail. This has happened multiple times. There are even times I have disputed this account and never got any feedback or results over the years. I have called and they told me the company name that is verifying the information. The court was the first company. Once I contacted the court they stated that Transunion has not reached out to them for verification and that they do not communicate nor report to the reporting agencies or 3rd parties. They then told me that XXXX is who is verifying the account. I contacted them as well and they did have a bankruptcy on there. After I disputed this it was removed. I then disputed with Transunion again and since then they are refusing to even dispute the account because it has previously been disputed. I sent them documentation from XXXX showing there is no bankruptcy. No matter what documentation I send in they say it is verified still because they are refusing to dispute it. At this point, this account has been removed from both of the other credit reporting agencies XXXX back in XXXX and XXXX this year XXXX. Transunion is refusing to even help. They refuse to look into it any time I call, they refuse to respond once I catch them lying about verification methods and that they already have documentation showing that is inaccurate, and then they hang up on me once I ask for a manager or supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Education/XXXX is reporting account inaccuracies across consumer 's Transunion, XXXX, and XXXX consumer reports. XXXX report shows that the account is paid as agreed and never late but Transunion and XXXX is showing that the account has been late for 90 days. Also, XXXX0 U.S. Code 1232g ( B ) does not include credit reporting agencies access to a person 's educational record without consent. I never gave XXXX, XXXX, XXXX, and Transunion written consent to furnish information regarding my educational record, let alone inaccurate/adverse information. 15 U.S. Code 1681c states no adverse information reporting on my consumer report. I am demanding the account and transaction information to be removed immediately from my consumer report. 15 U.S. Code 1681a ( 2 ) states transactions of an account is excluded from the consumer report. DEPT OF ED / XXXX XXXX, XXXX COMMISSION FILE NUMBER XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX performed a full credit report and I notice a couple fraudulent accounts reporting on my credit report.I never did business with any of these companies and I also noticed wrong addresses I never resided.I also received information it was data breach and my information was found on XXXX XXXXXXXX XXXX  images are attached. Identity report are also attached. The accounts that are fraudulent are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681 ( b ) ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Transunion, a consumer reporting agency, has not received my written instructions to furnish any of the following inquiries on my consumer report to any of the creditors listed below however, inquiries from these creditors exist on my consumer report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Truist Bank is in violation of Federal Law bye means of XXXX XXXX XXXX XXXX XXXX They Truist Bank XXXX XXXX NC must cooperate fully with an in Criminal Investigation conducted by they FBI ( XXXX NC ) The Name XXXX XXXX XXXX and Excellent edit Rating is at Seruous Risk becausr of Double XXXX by Truist Bank over Information Theft Investigaste with Impuunity! 
XXXX XXXX XXXX