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

I was notified that my overdraft credit line of credit was reduced from {$25000.00} to $ XXXX With no explanation in the letter. The chat room agent wrote it was a fraud department decision. I called the designated XXXX XXXX based fraud department. The agent noted the reduction in line, but said it was not a fraud department decision. That department transferred me to a XXXX based department. The agent there said it was reduced because of non-use. I said that if this is the reason, I will use the line and to give me 30 days to do so. She was unhelpful. I asked for an XXXX decision notice, as XXXX gives me an XXXX rating. I want either the original credit line restored ( with use to happen in 30 days ) or an explanation in writing. My account is XXXX. My former account is XXXX. The complaint number is XXXX. 

Dealing with Citi has become over complicated. There are too many offshore employees without subject mater knowledge or authority to overide obviously questionable IA decisions.
Product: Credit card or prepaid card

XXXX This is the complaint on file. I have been on the phone with XXXX today as I have received 3 emails from " XXXX '' that did not come from XXXX according to the person on the phone. I have also not received the label to send back the microphone that was sent to me through fraudulent Identity theft. I am attaching the 3 emails from today XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account I am reporting is factually listed on my credit report incorrectly. The bureau is reporting file # XXXX, / Acct # XXXX, Original creditor Exeter Finance, as a Auto Loan. This account was a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. In addition, In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with XXXX XXXX XXXX. According to my credit report, the above account was noted as a repo. How can Exeter Finance, report late charges for a vehicle they sold at auction? This is also, grounds for deletion of this account on my credit report. According to my file, Exeter has this account as closed as of XX/XX/2023, I WANT THIS ACCOUNT DELETED TOTALLY FROM MY FILE. If this account is not removed within 7 days, I will hire an attorney and bring suit in the amount of {$15000.00}. This amount is {$3000.00} per each violation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) View full complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 XXXX XXXX XXXX placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX / XXXX XXXX  for Acct : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX for failing to respond to my credit dispute within the legally mandated XXXX timeframe, as required by federal law. Despite submitting my dispute on XX/XX/XXXX and responded on XX/XX/XXXX, CITICARDS CBNA and XXXX has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within 30 days of receiving a dispute. Additionally, 15 U.S.C. 1681s-2 ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting.

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under 15 U.S.C. 1681n, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful.

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within 10 business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office.

I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity. 
Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

My credit report shows that there were four consecutive inquiries beginning XX/XX/XXXX through XX/XX/XXXX from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX a line of credit was fraudulently opened in my name for XXXX XXXX with an opening balance of {$280.00}. 

On XX/XX/XXXX a line of credit was fraudulently opened in my name for XXXX XXXX XXXX XXXX with an opening balance of {$75.00}. 

On XX/XX/XXXX the fraudulent {$300.00} credit limit for XXXX XXXX was exceeded, totaling {$310.00} balance. 

Each month the balance was not paid for the fraudulent account for XXXX XXXX it accrued in interest until the debt was sold to LVNV Funding LLC on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to information contained in Report Number XXXX, in regards to account : XXXX XXXX XXXX XXXX. 
This account contains erroneous information that is harmful to my credit worthiness and continues to be reported by Experian as verified in violation of 15 US Code 1681i ( 5 ) Experian refuses to properly investigate said account and remove it from my credit file. They have continued putting hurdles in front my best efforts to request said account be properly investigated. They are not even allowing me to submit a request for re-investigation through their system online. 
For the record I would like to point out that both XXXX and XXXX investigated this account. They both deleted it from my file. But for some reason Experian always seems to waive its magic wand and come back with a reason to keep reporting erroneous information in clear violation of the fair credit reporting act.
Product: Debt collection

The debt collection company, EOS CCA/US Asset Management, in an attempt to collect debt from me mailed me a letter on XX/XX/19 with the information of another person 's debt. I now have that person SSN, Address, DOB, phone numbers plus their cosigners SSN, address, DOB, phone numbers. This makes me worried that my information is at risk too. The company initially reached out to me a couple months ago saying that they got my debt from another company but I didn't hear from them for a few months, I know they are supposed to reach out within 5 days to collect the debt and give information on how to dispute it, and now I am worried that they were sending out my personal information to the wrong people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for employment at XXXX and they conducted a background check into my motor vehicle record with a company called First Advantage. The company reported my license status as " withdrawn '' and have made no changes or updates to correct it. They also reported me as ineligible. The report is dated XXXX.
Product: Mortgage

During the time you serviced this mortgage can you send the activity log for this mortgage including but not limited to phone calls made and received, emails sent and received letters sent and received electronic notices sent or received
Product: Debt collection

I am writing to bring to your attention inaccuracies present on my credit report, specifically related to certain collections accounts that are currently being reported. These inaccuracies are causing significant damage to my creditworthiness and financial well-being. I have thoroughly reviewed my credit reports from all three major credit bureaus, and I have identified several collections accounts that do not accurately reflect my financial history. The inaccuracies include accounts that do not belong to me because the debt collector purchased them, and I have never engaged in any business transactions with the third-party debt collector.

I am aware that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute and request the removal of inaccurate information from their credit reports. In accordance with this law, I kindly request the following : 1. VERIFICATION OF THE ACCURACY : I request that you investigate and verify the accuracy of the collections accounts listed above. Please provide documented proof of the validity of these accounts, including any contracts, agreements, or other relevant information.

2. REMOVAL OF INACCURATE COLLECTIONS : If the accuracy of any of the identified collections accounts can not be verified, I request their immediate removal from my credit reports. This action is necessary to ensure the accuracy and fairness of my credit history.

3. UPDATED CREDIT REPORTS : Once the investigation is completed and any inaccuracies have been corrected, please provide me with updated credit reports reflecting the accurate and amended information.

I want to emphasize that the accounts identified as belonging to the third-party debt collector were acquired by them and do not have any connection to me. I have never conducted any business transactions with this debt collector, and these accounts do not represent any valid financial obligations on my part.

I kindly request that you initiate the investigation process as soon as possible and respond within the 30-day time frame mandated by the FCRA. Your prompt attention to this matter is greatly appreciated. Please send all correspondences related to this dispute to my address listed above. I am providing this information to facilitate communication regarding this issue. 

I value the accuracy and integrity of my credit reports and trust that you will conduct a thorough investigation to resolve this matter effectively. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution and the correction of these inaccuracies on my credit reports. 

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

In accordance with the fair Credit areporting act Transworld System INCXXXX Account # XXXX has voilated my rights. This company is unknow to me and i was not contacted at anytime to disagree with the charges. 

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 ststes a consumer reportung agency can not furnish a account without my written instructions.
Product: Mortgage

I purchased my home in Maryland with a mortgage from Amerisave Mortgage, and was current in my payments until XXXX of XXXX when I went into XXXX forbearance under the CARES Act. Apparently, Amerisave reported the forbearance to the credit bureaus in XXXX of XXXX as a past due balance. However, it didn't impact my credit score until this XXXX when my score fell from XXXX ( as reported in XXXX of XXXX ) to XXXX ( according to XXXXXXXX XXXX. ) As soon as I discovered this, I called Amerisave and they agreed to reach out to the credit bureaus to correct the issue. Then today XX/XX/XXXX, I received a message from them stating that I had been reported in XXXX of XXXX, but had been current since. This seemed to indicate that they had not recognized internally that I shouldn't have been reported. Again, I called them and tried to resolve the issue and they again stated that they would review. However, my car lease is up this month and I need my credit score in the XXXX 's to be able to secure a favorable rate on my next car purchase which must happen before the end of the month. I would like to file this report to get them to resolve this matter urgently. ( I have included a screen shot of the notification from XXXXXXXX XXXX of the report from Amerisave, and also an image of a document from Amerisave dated XX/XX/XXXX, stating that I had been approved for XXXX XXXXXXXX forbearance. Note that in the confusing document, they requested additional information not required under the CARES Act and tried to create a sense of urgency around sending the information. Over the next several months, I received approximately 5 similar documents each month. )
Product: Mortgage

During my bankruptcy my balloon payment came due and my lawyer for my bankruptcy shut his firm down without telling me, so I had no info on what to do or how to take care of the loan. During bankruptcy my loan company would not talk with me about the loan so now that I have finished my bankruptcy they want full payment and wont do anything to help me to keep my home. I have asked for a loan modification or anything they can do to help and all I get is that I need to pay in full or short sale, I have no problem paying the loan payments if they would just work with me. XX/XX/XXXX they want to start foreclosure loan due date was XX/XX/XXXX. The amount is {$39000.00} I had to pay off my bankruptcy in the amount of {$45000.00} is why I did have any extra money after to pay the loan off.
Product: Credit reporting or other personal consumer reports

Improper use of my report. 
Date of incident : XX/XX/2022 ( Amount Credit limit {$750.00} ) Company : XXXX  XXXX Under 15 U.S.C. 1681 section 602 states, I have the right to privacy.

Under 15 U.S.C. 1681, section 604 A section 2, A consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C. 1666B, A creditor may not treat a payment on a credit card account under an open-end consumer credit card as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. I am writing to seek your assistance regarding an issue with my credit report, specifically related to a business credit card account from XXXX XXXX ( XXXX ). 

This business credit card account is incorrectly being reported on my personal credit report, even though I have never personally guaranteed this card. As per standard reporting practices, a business credit card should not appear on a personal credit report unless the individual has personally guaranteed the card, which is not the case here. 

Furthermore, this account is incorrectly being reported as 'charged off ' on my credit report, which is inaccurate. The account has been carrying this status for an extended period, which is adversely affecting my credit score. 

I kindly request your immediate intervention to rectify these inaccuracies. I am seeking the removal of this business credit card account from my personal credit report as its presence and reported status are both incorrect and damaging to my credit standing. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX
Product: Vehicle loan or lease

I am filing a billing error dispute against Capital One Auto Finance for failure to deliver periodic statements to my address on file for the months of XXXX and XX/XX/2022. Per my phone conversation with Capital One Auto Finance 's representative ID : XXXX on XX/XX/2022, Capital One Auto Finance did not send me a statement between XX/XX/2022 and XX/XX/2022 causing me to receive a Notice of Default in the amount of {$820.00} with late fees. My concern is that Capital One Auto Finance has already reported me to a Credit Bureau and thus negatively impacted my credit score.
Product: Checking or savings account

My account was closed after 14 years XX/XX/year> for no reason. I have been doing same transfers from my XXXX account to my Citi bank account for 10 years with no problems. Now my money {$6700.00}, I had left in my account has been held for no reason for months. l 've been lied to so many time by Citi bank fraud dept it's crazy. I have the recordings. have verified at the local branch with paper showing my XXXX account has same phone number my Citi bank account is proving this is my money being held. 
The branch manager faxed the copy over to the back office I was told I would receive the funds time and time again for months now. Many hours on the phone speaking with fraud dept managers for them to tell me time and time again lies. I want my my money deposited back into my XXXX that it came from asap. Mailing a check will delay the matter of me receiving my money. I've waited months and months and months for as they're making interest on it. This is unjust.Please help with this matter I appreciate your assistance.
Product: Student loan

Lag in affording classes due to divorce and XXXX child. I can not work because of my XXXX child, which I have in writing. Will not resolve initial request for Forbearance or Deferral. Was told they needed documents. Sent some. No response. Now they claim the initial request was never received.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Checked my credit report and noticed it was a account opened wit my social security number and different name ( XXXX XXXX ).
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Blockinc ) due to inadequate customer service and unfair practices Which violate the Consumer Financial protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) Regulations E.These actions has caused significant inconvenience and financial losses, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response to the last complaint I would like to see records of the credit report request and a copy of the companies information regarding who was contacted with a date printers in the bottom of the record. As far as sending or keeping me updated I was never called by the so called lawyer or credit repair people via phone or email I would like to see copies of thru emails with date and time as well as record of said phone calls the only contact I had was not by mail and was only maybe 10 to 15 times only done VIA by reaching out myself
Product: Credit card

US Bank did not refund annual fee when I closed account back in XXXX, XXXX. The fee remained and started accumulating late fees/penalties. Balance is now {$200.00} and should be XXXX. Also shows up on credit report as delinquent and 90+ days past due. They say that I closed the account in XXXX, XXXX. I closed the account in XXXX, XXXX. Account should n't be past do at all.
Product: Debt collection

I was having internet connectivity issues nonstop and closed our att account due to thier service. We do not have a drop of location nearby and needed a shipping label. We were able to get with someone to get us the shipping lable and sent off the equipment the same day In XXXX! Not thinking anything of it in XXXX, This Creditor is on my report. We immediately contact XXXX ( XX/XX/XXXX ) to find out that att never processed the returned equipment. We never received a bill from att or anything, they just automatically sent it to collections! We had the shipping information and even delivery date. They have slowly started processing the returns. But this Creditor should have never been on my report. XXXX  had thier equipment and should have never sent that to collections. I have a text log with att in regards to this along with proof of delivery/shipping information sent to us from XXXX This was an inaccurate and unjust bill sent to collections by XXXX. They had their equipment returned before sending this to collections and did not process it.
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute the item that appears on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and fraudulent item was opened in my name without my knowledge. I already forwarded the required FTC report to the company and they have acknowledged that this item was fraudulent and have removed it. However, I have noticed that your bureau has continued to report this item, even though the other credit bureaus have already removed it. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove this fraudulent public record, you are not complying with the law and are putting me at risk of further harm. 

XXXX  XXXX XXXX XXXX Reference : XXXX
Product: Credit reporting

Disputed inquiries with XXXX bureaus. I did not receive credit from companiesin myinquiry list. XXXX inquiries are 3 days apaart, XXXX has XXXX on XXXX of my reports. Tried disputing with XXXX, equifax and XXXX as well as the companies
Product: Credit reporting or other personal consumer reports

I've disputed with all three agencies about these fraudulent addresses and I'm meet with refusal for addresses I never lived at! I dont receive no corresponding mail at either addresses. If any mail is going to these addresses that's reasons for anyone to cause malicious to me and my creditworthiness. TransUnion, XXXX, XXXX, dont have rights to tell me afraudulent addresses can't be removed off my credit report when I never lived there. This is a violation of my consumer rights. 18 U.S.C. 1028A : Aggravated identity theft, 15 U.S.C. 1681e ( b ) : Compliance procedures The following addresses that are reporting from TransUnion, XXXX, XXXX are listed below : Address 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 XXXX XXXX These are fraudulent addresses and I don't live at any of these addresses
Product: Credit reporting or other personal consumer reports

Regulation F Reporting inaccurate information from XXXX party .. Bankruptcy Court do not report inaccurate information