23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I bid paid XXXX {$340.00} for membership fee and bid on a vehicle on my XXXX XXXX business card. A security deposit of {$750.00} was held on separate business card for the purchase of the vehicle. This company has a XXXX money back guarantee similar to their parent company XXXX. XXXX accepts credit card for purchases of the vehicles won and for their {$240.00} membership fee. 
After winning the auction for the vehicle on XX/XX/year> that's when I learned that I was unable to pay for the vehicle with my business credit card that XXXX held the {$750.00} security deposit. I took time off work to get financing and was able to get a company to purchase the vehicle on my behalf. This company is XXXX... paperwork is attached. However, XXXX refused to cooperate with the company for them to purchase the vehicle. I told them to either accept the offer from XXXX or charge my XXXX business card. I also informed the XXXX by phone that I upgraded my membership to the {$340.00} with the intent of using my business card for the purchase. If they were not willing to accept my XXXX business card or Caramel for payment then the membership would not work for me. I requested by phone on XX/XX/year> that they cancel the {$340.00} membership and issued a refund since I was within the buyers remorse period. My {$750.00} deposit was release to me but the {$340.00} is still reporting inaccurately which is causing damages to my credit and impacting my pending home purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.
Product: Credit card or prepaid card

Good Afternoon To whom it may concern, I am currently experiencing a difficult time due to this COVID-2019 Pandemic Crisis. I am currently located in one of the designated hot spots located in XXXX Texas ( XXXX XXXX XXXX Texas ). All five family members in my current household have been diagnosed with XXXX ( Wife, Mother in Law, XXXX kids ( XXXXyear old and XXXX year old ) ). I had recently requested a credit limit to my chase accounts ( Chase Slate 3 years & 11 Months ), Chase Amazon ( ( 3 yrs & 8 Months ), & Chase Freedom ( 4 years, 5 Months ). I have had a perfect payment history and do not have credit cards over the rule of thumb of 30 % except for my chase slate. I unfortunately got declined for this request. Right now when i most need the help they have denied my request. I am trying to raise my credit limit, to ultimately have extra spending power in case any other problems may arise. I have made 48 payments toward my chase freedom credit card, 45 payments towards my chase amazon credit card, and 47 payments towards my chase slate credit card. I reiterate that i have not missed a payment in a single card! This is so ridiculous and not fair at all to any consumers going through this. I cant believe that Chase Bank ( JP Morgan ) do not have a way to attest my decision on my credit limit decline. A XXXX XXXX XXXX bank, does not have this! Inexcusable and i hope this gets sent to the CEO of JP Morgan, and he can read this complaint. It will be the last time i use any of the services of Chase Bank Again. If you need for anything please give me a call. One last thing, the  individual that helped me was ( XXXX from Missouri ), she wasn't even able to give me her last name as per company guidelines. I am very disappointed and furious! I hope to hear soon, and i hope this gets publish so that other consumers may not go through this distress.
Product: Debt collection

Hunter Warfield has repeatedly come after me for rent collections that are the result of identity theft where someone rents residential apartments in my name, gets evicted and then my credit somehow gets affected despite being on a security freeze, a credit lock, and a fraud alert. I have reported this same thing to experian numerous times every time it happens, I have to file this form. I want Hunter Warfield banned from ever accusing or attempting collection on my credit file after I have repeatedly and unreasonably had to prove myself a victim of identity theft/fraud. This is now my 5th attempt at communicating this ongoing problem with the same creditor that over the years accuses me of having debts that are the result of fraud. I have 10 court cases filed and approved in my favor proving my victimization of identity theft
where Hunter Warfield was repeatedly involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is disturbing! The Credit Reporting Agencies are not being compliant with the Federal regulation and continued reporting the disputed account from my Credit File without properly sending me copies of proof of verification or any documents bearing my signature to support the Credit Reporting Agencies claim that the disputed accounts belong to me. I have reached the peak of my patience because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/XXXX and the the most recent letter I sent was dated XX/XX/XXXX, all dispute letters attached with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have failed to provide. Under the provisions of Fair Credit Reporting Act section 605b, I am submitting this CFPB complaint requesting that the Credit Reporting agencies remove the following accounts completely from my Credit report as soon as possible : XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX  XXXX Balance : {$0.00} Date XXXX XXXX  XXXX  XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my XXXX XXXX. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX  XXXX Balance {$18000.00} XXXX XXXX XXXX Balance {$920.00} XXXX XXXXXXXX Balance {$290.00} XXXX  XXXX XXXX Balance {$360.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$980.00} XXXX XXXX Balance {$200.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6700.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX 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.

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 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: Bank account or service

Wells Fargo Bank. On XXXX XXXX a deposit in the amount of {$4900.00} was made to my account. It posted and then was immediately withdrawn. When I inquired, I was told by a woman in their fraud department that it was fraud and that they had frozen my account and would cancel it on XXXX. That deposit was from a relative in XXXX, Georgia to help me with buying a car. The freezing of my account has my funds in a tailspin because I am retired and receive my pensions by direct deposit. Ultimately, I blame the government for this debacle. It has financial agencies paranoid about money laundering, XXXX funds and XXXX financing to the point that it is just easier for them not to deal with the problem than to determine the facts. The woman at the bank 's fraud department was terse, peremptory and blunt and advised me that I should have known what to tell me relative! (? )
Product: Credit reporting or other personal consumer reports

I am writing to formally request the Consumer Financial Protection Bureau 's intervention in a matter that has significantly affected my financial health and peace of mind. This involves incorrect reporting by Experian and associated mismanagement by XXXX XXXX account erroneously appearing on my credit report. 

Despite my efforts to resolve this through the dispute mechanisms provided by the credit bureau, the information continually returns as " validated, '' even though no conclusive documentationsuch as a copy of my signature or proof of my authorization to open these accounts, or evidence of any transactions madehas ever been provided to me. This refusal to provide documentation and proper verification directly contradicts the requirements stipulated under the Fair Credit Reporting Act. 

It is critical to highlight that this account was written off and reported as income through XXXX forms. As these debts have been canceled and recognized as income, they should not continue to be listed as consumer debts on my credit report. The failure to remove these items not only contravenes credit reporting standards but also continues to degrade my credit score.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 Equifax furnished my consumer reports to ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX ) without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 

I have already file a dispute with Equifax on XX/XX/2023, and they still refuse to remove the inquiries from my credit report. I also had sent a dispute letter directly to all the creditors regarding furnished my consumer reports.
Product: Mortgage

I am unable to obtain a standard loan estimate from Fairway Independent Mortgage Corporation. I have submitted an application and all the information required to receive a loan estimate by XX/XX/2022. The property address is XXXX & XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX. I have been prequalified for {$270000.00}. 

I have asked the lender for this document several times since submitting the required documents but was told that he is not allowed to provide it.
Product: Credit reporting

I have XXXX loans that are reporting as No Status on my Experian report. I have disputed this account as I disagreed with the balance and date of final activity. Instead of the information being updated or deleted, it has been updated to " No Status '' with no information available. The tradelines also state " Account in dispute under Fair Credit Billing Act ''. 
The dispute has ended according to Experian. In addition, Experian will NOT allow me to dispute these accounts anymore. If they can not verify that XXXX is reporting correctly, these XXXX tradelines should be deleted from my report as soon as possible. I have applied for credit and these " No Status '' tradelines have caused me denial of credit.
Product: Credit reporting or other personal consumer reports

How is this account a lost to The bank when they didnt issue any funds to my account It was a credit builder account a secured account.Where I paid no money to start I only paid monthly payments they did give me a credit line for me to use.So how is it a charge off or lost to the bank .I will be filing a federal lawsuit this crazyThe account was closed due to a hardship I wasnt working XXXX will see this bank in court This is a clear violation of FCRA
Product: Debt collection

ATTEMPT TO COLLECT THIS DEBT ON BEHALF OF A UNKNOWN COMPANY.
Product: Mortgage

I'm a veteran in a 30 year loan, my mortgage company is PennMac, whom offer to refinance my loan at a Fix Rate of 1.999 %? interest rate.so they sent me a Loan Cost Agreement Disclosure Package, in which Instead there was a disclosure of a floating rate agreement, in which they insisted I sign, and then durning the final paper work would then sign into a fix rate agreement? inwhich I could've go into a much higher interest rate then I already have, if I were to sign this agreement.this was an act of deceitfulness, especially when other lenders told me that interest rate of XXXX doesn't exist on todays Mortgage market.it was an outright act of deception.and if I had sign, that float rate agreement my mortgage payments could've Skyrocket, into not being able to afford to pay and losing this home.but through his Grace I didnt sign that selling Of souls deception of promises.they need to be review interrogated and question on their acts of decivefullness practices, and their my mortgage company at that?????? 

XXXX XXXX  XXXXXX/XX/XXXX Veterans XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$32000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$4300.00} XXXXXXXX XXXX XXXX XXXXXXXX - XXXX - XXXX - {$6800.00} XXXX XXXX XXXX LI - XXXX - XXXX - {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$800.00} INQUIRIES : XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Product: Credit card

On XX/XX/year>, I was on a XXXX XXXX flight, number XXXX from XXXX, FL to XXXX, TX. Right before we were starting the descent path into XXXX, the flight attendant made their service announcement about a one of a time special offer regarding the XXXX credit card. On this announcement, they said that this had never been done before and that for anyone who would apply for the XXXX credit card, that they would get an additional XXXX miles on top of the XXXX miles that came with the credit card. 

Besides this, they also stated that we would get 24 flights at the cost of just XXXX miles per flight, as long as the flights originated in XXXX to any other destination or fly into XXXX. In this regards, they announced that flying from XXXX to XXXX XXXX would cost just XXXX miles each way. 

In their speech, they also stated that were would be no fees associated with the credit card and that their XXXX was among the lowest in the industry ; however, they never mentioned what was the average. 

Having heard all this, and the offer to fly into XXXX XXXX from XXXX at just XXXX miles per fligh, I decided to apply for their credit card as this was a great offer to me. To my surprise, when the credit card arrived home, I realize that everything that was mentioned on that flight by the flight attendants were complete lies and false advertisement. The credit card is not free, there is a {$79.00} annual fee ; their APR is not among the lowest in the industry since their APR is a whopping 28.24 % and there were no free miles unless the credit card holder would make {$1000.00} worth of purchases within 90 days of account opening. 

Feeling fooled by their sales tactics and lies, I contacted XXXX XXXX and they told me that such promotion did not exist and that the only option was for me to go to the airport and speak to a representative at the airport about this offer that was made on my flight back home. Feeling devastated that I had to go into an airport to complain with a ticket agent, I proceeded to XXXX XXXX XXXX XXXX today, who is the issuer of the XXXX credit card to complain about this and they told me that there was nothing they could do for me. That all they could do was to close my account, but knowing how bank operates, I said to the representative that doing so would have a negative impact of my credit report and score to which he acknowledged that it would.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible
Product: Debt collection

15 U. S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these itemes IMMEDIATELY! 

These accounts should not be furnished on my comsumer report as they are in VIOLATION!! Under U. S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything to my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft the following account is fraudulent. 

XXXX XXXX XX/XX/2020 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2022 Amount : {$3500.00} Action : Requested item to be removed due to incorrect information. 

Company : items were removed sold to another creditors and reappeared multiple times. 

Date : XX/XX/2022 Amount : {$2500.00} Action : Requested item to be removed due to incorrect information. 

Company : items were removed sold to another creditors and reappeared multiple times.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I was using a app called XXXX XXXX just anxious to see what was on my credit profile and to see just what these agencies are reporting.The XXXX XXXX app reported a lot of miss information that was incorrect and had no permissions to display or furnish any of my information without my natural scent, including Experian. I made a call to XXXX XXXX and they advised me their information and data comes from other third party debt collection agencies like experian. 

XXXX I informed the collection reporting agency in a certified letter that I the consumer was violated over 30 times in a spand of time of short time. I looked farther and i find violations after violation. After Experian found that I knew about the violations they quickly removed all 30 but the damaged was already done, and for some time. 
This made me look into any and everything. I was denied credit extensions due to the damages caused on my consumer credit report, and will be seeking damages for the breach of my personal information, and along with all FCRA and FDCPA. 

Please check your personal information profiles these companies will invade in your personal life and privacy. I hope I get results whos on our side. Will keep you updated
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with credit reporting agencies. All three have been providing problems for me but Transunion is the worst. I have called at least 3 times during each week for the past 3 months. I have even gone to great lengths and explained to the credit reporting agencies about my right under the Fair Credit Reporting Act and all the do is ignore me. Each time I call in I am giving different information and bounced around to someone who says they are the manage but for some reason sounds like the same person I was original speaking with. I was advised to send in documentation and a letter of why the XXXX  XXXX Bankruptcy and an account through XXXX XXXX  should be removed. The XXXX  XXXX Bankruptcy has been met and removed from public files and the XXXX Account was in the bankruptcy which also should be removed. I provided them documentation they come back and stated they have to dispute account. After the dispute is completed they tell me that account was verified which in reality was not because the company I spoke with supplied me a letter to provide the agency that account should be removed. This has caused me so much anxiety and stress to where I have not been able to focus on everyday life. What has made it harder is the language barrier when I call in because I am unable to understand what the representative is talking about. I am not sure if they are from another country but when I try to have conversations it makes it very hard to explain myself.