23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Experian offers different promotional credit cards according to your personal situation. The company advertised XXXX XXXX account balance transfer credit card. I went through the on-line registration process and there was a hard hit put on my credit report. I understood that there would be an inquiry on my credit report. Ultimately, a credit card was issued. I requested a balance transfer and I was told that this particular credit card does not issue balance transfers. I had a chat experience and decided to cancel the credit card. I contacted Experian and complained about the " suggestion '' of using XXXX XXXX credit card for balance transfer. I contacted and requested Experian to remove the hard hit on my credit report, they declined. The request was made for misleading ad information. They say they can not remove the " hit ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Product: Credit reporting or other personal consumer reports

I've received A Copy Of My Credit Report and saw My Date Of Birth Wrong And these fraudulent accounts and Inquiries and addresses Reporting please help me removedelete these fraudulent accounts and inquiries out my credit report its been destroying my life and my family life and this is a major violation of FCRA LAW CODES : 15 USC 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

15 USC 1681Q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 

605 B A consumer reporting agency must block the information within four business days of receiving proof of identity, an identity theft report, and a statement from the consumer. 
The agency must also notify the furnisher of the information. 
The agency may decline or rescind a block if they determine it's reasonable to do so. 

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 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

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

CAPITAL ONE XXXX Date opened XX/XX/XXXX Balance {$5400.00} and CAPITAL ONE XXXX Date opened XX/XX/XXXX Balance {$1900.00}.
Product: Debt collection

I am demanding Capital One to re-open my open-end credit card account immediately. See attachment!
Product: Credit reporting or other personal consumer reports

I have written and have call to get them to correct my report. I went to the United States Bankuptcy Court and they said they did not report this on my credit and give me a letter to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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 The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Product: Vehicle loan or lease

I have footage of car breaking down right after i bought it, i took it back they had it for 3 months straight i tried to refund they gave me hard time and would not allow me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my TransUnion consumer report. These address are incorrect and are not associated to me in any way. I would like TransUnion to delete the following address off of my report immediately.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I have a mortgage. Vehicle loan, checking and savings during since XXXX, and I understand there has been some banking errors since XXXX. I am seeing if I qualify for any of the monies owed due to error.
Product: Debt collection

I saw a collection account on my credit file from Mountain Run solutions. I sent a request to this agency for validation of the account. It has been over 60 days and they still have not sent anything, yet they continue to report this erroneous account on my credit. I have insurance. I don't owe anyone XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.
Product: Credit card

On XX/XX/year>, I made a purchase on XXXX along with the Citi XXXX XXXX offered from my Citi Bank XXXX XXXX credit card. The plan was to be set up with XXXX equal monthly payments for the products. However, I was charged the full amount of {$100.00} and {$55.00} and {$11.00} and {$13.00}. I disputed all of these charges and the gave me a credit of {$71.00}, only to take it back. On the other hand, a Citi Bank rep informed me that the {$100.00} would be returned to me, but then the company did not credit my account. 

I called again on XX/XX/year>, and agreed to pay off all remaining Citi XXXX  XXXX  charges to get rid of the plan. On that day, I paid {$220.00} and I was advised by a manager that this would close the Citi XXXX XXXX and pay it off in full. Yet, again, after XX/XX/year> I was charged for alleged XXXX  XXXX XXXX charges and a XXXX insisted that these charges would have to be paid to close the Citi XXXX XXXX.
Product: Vehicle loan or lease

When I applied for this loan with Harley-Davidson, I had a street address and a PO Box on my application. The dealer that I bought the motorcycle from used my PO Box , but it appears Harley Davidson only received my street address. They generated the first two statements for my loan for XX/XX/2018 and XX/XX/2018, and when the statements were Returned to Sender due to mail service not being available at my street address, Harley Davidson not only discontinued mailing paper statements, they didn't produce any statement at all. And they didn't call me to sort it out. Their policy is to simply stop generating statement. So if I wanted to call and get a copy of my statement from XX/XX/2018, I couldn't. They said the only thing they can provide me is my payment history. 

How can a company that has open lines of credit with people discontinue generation of statements? Is that not part of some reporting law? I never bothered to check until now because I figured I was paperless, like I always am, and thought for sure anything I needed would be available online through the account that I registered for at the beginning of my loan. But they said that I don't have access to any statements from XX/XX/2018 to now. My next statement will generate with the next billing statement. 

I just don't feel that this is right. The only thing I can see is the history of the lump sum payments I've sent them. I've requested a hard copy of my payment history be mailed to me because the rep on the phone today indicated that it will break down what was applied to principal and what was applied to interest, but why wouldn't I be able to see that through my online account? This just seems nuts so I wanted to reach out to confirm if Harley Davidson Financial Services needs to change their ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTION SERVICE OF ATHENS XX/XX/2020 {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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, XXXX, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 10th Time Elan Financial " willfully and fraudulently '' reported credit card balance on the closing date XX/XX/2022. 

The balance is {$9.00} - NOT {$74.00} as of XX/XX/2022. ( See attached ).
Product: Credit reporting or other personal consumer reports

XX/XX/year> I mailed a certified letter to Experian requesting that they provide me with proof of consent to obtain and furnish my personal info. I also requested that they investigate the matter at hand. 

I've also tried to dispute multiple times in the past other accounts on my credit report, and requested that they investigate the accounts but little to no change has occured.
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 NUMBERXXXX ) 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 XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX 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 EQUIFAX 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: Checking or savings account

I have over $ 100K in this business checking account. We ave had the account for over 10 years. The bank sent us " marketing questions '' to complete and threatened to freeze our account if we did not answer them. We tried calling the phone number - no answer. We completed the papers and returned them to our local branch in XXXX. We received another letter, we went to the branch. The assistant branch manager discovered that the Incompetent Branch Manager, never turned them in. Last week he assured my husband that he would take care of the situation. Today, Citibank froze our account. I have checks bouncing. First, under what grounds can they legally freeze my account? Second, we turned in their paperwork, so they had no reason to freeze the account. These banking practices need to be stopped. The bank has no right to freeze an account because a client does not answer " questions designed to offer you better products and services ''. I can understand wanting to verify my identity - but they did not want that information. These practices should be investigated.
Product: Mortgage

I paid off my loan with Ocwen in XX/XX/2019 and Ive never received my escrow balance refund. I called them 11 times to inquire about this issue, escalated with a manager and still its been almost 2 months and no one seems to know or care when am I getting my money back.

They blamed on the fact that my loan was transferred to PHH mortgage services and that they have no immediate access to the Ocwen mortgage accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$740.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance Owed : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX # XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number, name and birthday. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX {$350.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally re-dispute the accuracy of the information reported by XXXX XXXX  , specifically regarding the collection account listed as account no. unknown. The account is being reported inaccurately, and I am requesting immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i Violation of FCRA - Dispute Accuracy, Violation of 15 USC 1681s-2 FCRA - Responsibilities of Furnishers of Information , Violation of 15 USC 1692g FDCPA - Debt Validation, Violations of 15 USC 1692e FDCPA - False or Misleading Representations, IRS Form 1099-C Cancellation of Debt. Based on the above violations, I respectfully request that you remove the inaccurate collection account from my credit report. In accordance with the FCRA, I expect a response to dispute within 30 days. Should you fail to comply with these federal requirements, I will take further legal action and pursuing a lawsuit for any damages cased by your failure to adhere to federal laws.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 my laptop froze and I called a XXXX got impression it was agent with XXXX. ( XXXX  ) I was told my social security number was compromised. I never asked any questions, not smart. Agent connected me to Ms XXXX XXXX who said she work at America First Credit Union fraud prevention XXXX, UT. Each time we talk I had a reference number. XXXX also connected me to Social Security Admin. Officer XXXX XXXX XXXX badgeXXXX. ( XXXX ). I was told I had to change my ss # using form XXXX XXXX  XXXX. To safe guard my money I was advised to write 11 times large amounts of money. I had a router number, account number, XXXX XXXX in NY. And XXXX XXXX, XXXX from XXXX XXXX was beneficiary. About XX/XX/XXXX XXXX went dark, phone number was no loner working. A police report was made, IC3 was filed, fraud with FTC was filed and all 3 credit bureaus I freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was rear-ended while stopped at a red light on XX/XX/XXXX. The other driver was completely at fault as determined by the police, my auto insurance company and the other driver 's auto insurance company. I received medical treatment for the injuries I sustained in that accident from XX/XX/XXXX to XX/XX/XXXX. Although this matter and all resulting bills is involved in litigation, I was still sent to collections. Once the collections agencies were notified these accounts were involved in litigation two of the agencies halted all collection attempts. However, two other agencies, XXXX and XXXX, still tried to collect the debt. After several calls to each, they did stop calling me but did report me to XXXX and Equifax. I disputed with each bureau. XXXX immediately removed it from my credit report but Equifax denied the dispute on the basis the collection agencies claim they are valid bills. I disputed a second time with the same result. Equifax admits they did not try to validate the accounts are in litigation. I have opened a third dispute and am awaiting the result.
Product: Debt collection

I did not Authorize nor consent to report this account. Per the Fair Credit Reporting Act, everything has to be 100 % accurate on my report, and Under 15 U.S Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. I also put my report in the upload where it is reporting when it should have been deleted.
Product: Mortgage

They deferred the behind payments which was too much! I was never XXXX behind. Plus, they added an extension on to the modification without my knowledge. Also, there are a lot of fees that I am unaware. The escrow amount I am unaware of as well. They just keep adding fees and I need this investigated. They sent me a copy of some investors that supposedly own the property. I pay my mortgage to them and have never seen the names listed.