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

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Mortgage

Recently monthly " auto-debits '' were arranged with " SLS Mortgage '' for {$1600.00} from my business bank account. I am in the process of contacting " SLS '', who purchased this note from the previous lender, to seek confirmation that I am not permitted or " allowed '' access to this account which is not the case according to the attached documents. 

The other issue I need clarified is the nature of an interest regarding a lender, a " Deed of Trust with a Vendor 's Lien '' and other related documents which specifically identify as joining into the conveyance " pro forma ''. The conventional wisdom about " pro forma '' signatories is that they have no real or conclusive " possessory interests '' since they signed merely for the " appearance '' to shore up a lien or collateral interest.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like these items removed immediately
Product: Bank account or service

In XX/XX/2016, an i.d . holder I use for my ATM card and my public benefits card was lost or stolen. Unfortunately it also contained a post-it note with my PIN number on it. I did not realize at first that it was gone. It was only after the bank sent me a letter about a deposit I had not made that I realized I had lost them or they had been stolen. I went to the bank to dispute the charges, but I only speak Spanish and it was difficult to communicate with them. Later, a lawyer who is a friend of the family helped write a letter to the Citibank Fraud Dept. for me, but he is a criminal lawyer and could only give me limited assistance. The Bank said they did an investigation and denied my complaint. They said the activity on my account was normal and the amounts were in range, there was no indication of a suspicious use of the card, that the questionnaire I completed was inconsistent ( probably because I do not speak English ), and that the audit was not consistent with a skimmed card. This investigation was not proper because the conclusions do not agree with the documents. The activity was not normal. I deposit money from the same source every month and make withdrawals in small amounts. During the weeks in question, checks for XXXX were deposited in my account and withdrawals for XXXX were made. I got copies of the checks, and it is obvious that the identity thief forged my name. I filed a complaint with the police and they are investigating. I never said the card was skimmed. I said my ATM card was lost or stolen. There is no way that I would have forged checks and deposited them to my own account when I just would have had to pay the money back myself after the checks were no good. I work hard as a home attendant and my daughter is XXXX. The only income I receive are payments from my employment and my daughter 's XXXX check. Several of the checks deposited were drawn on a Construction company account. I have never worked in construction. It makes no sense. I have several accounts with the bank. The one with the fraud is the one I use to deposit my daughter 's checks. They have frozen the one where I deposit my work checks. They say I owe them {$11000.00} because of these fraudulent checks. But I never made the deposits or the withdrawals.
Product: Credit reporting or other personal consumer reports

In late XXXX, my landlord had filed an unlawful eviction notice and I was the only one in my family making income during the midst of a global pandemic, and while my family and I were in shock, I decided to pursue buying a home, and a lender asked to pull my credit. i am an individual who mostly uses my debit card or cash to pay bills and have only had 1 or 2 credit cards and would pay in full and not be involved in my credit as there was no need. When the lender pulled my credit, they told me I had two charge-offs on my credit reports for XXXX, Transunion, and XXXX and I was taken back and completely caught off guard. The two charge offs were from XXXX XXXX XXXX or XXXXXXXX XXXX both of which I have never opened a credit card with, never authorized, applied, or used from either company. For almost a year, I disputed the fraudulent accounts with the credit bureaus by sending debt validation letters, proof of debt, wet ink signature, method of application, statements, charges, etc. and an explanation on how the credit bureaus can continue to report fraudulent accounts I never authorized and was not aware of. I decided to also file an identity theft police report, which was approved by the XXXX XXXX Police Department and also changed passwords on the two cards I had, placed extended fraud alerts on all three bureaus, and made sure my personal information ( which was a mess, incorrect names, old addresses, old phone numbers and incorrect employers I had never worked for ) was up to date and accurate to ensure the accounts got removed. No credit bureaus removed the accounts after seeing an approved identity theft police report, which I sent and attached to my dispute. I have filed another identity theft affidavit and I am asking the CFPB to remove both fraudulent accounts by XXXX XXXX XXXXXXXX and XXXXXXXX XXXX on all credit reports and immediately updated as deleted. I will not tolerate FCRA violations, and both these companies harassing me and sending me debt collection letters on accounts I never opened, authorized, or even knew existed. The CFPB has a legal obligation to force the credit bureaus to remove the two charge-offs and allow me to properly build back my financial picture which was damaged at no fault of my own. I will provide as much documentation I can to help this process go smoothly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
15 USC 1681i ( a ) ( 1 ) ( A ) can you reinvestigate the completeness and accuracy of the list of accounts below : Acct Name : XXXX Acct Number : XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues align with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

My credit card was approaching the credit limit due to some large recent purchases. I've made a {$4000.00} payment on XX/XX/XXXX, this money was deducted from my bank account almost immediately, however they were never reflected on my credit card online credit balance. I make similar payments every week and use the card for inventory purchases so this amount is not unusual. What is unusual is that recently ( a few days before making the payment ) I asked for a credit increase which was denied and now this {$4000.00} payment I made is " locked '' for at least 2 weeks according to the credit card employee I spoke to. They told me it's locked because there's a risk I will take the money back. I have never taken anything back so this seems very suspicious to me. How can they just take large amounts of money from me and " pocket '' it without applying it to my account?
Product: Mortgage

In the Uniform Residential Loan Application Form, XXXX XXXX from CrossCountry Mortgage inaccurately marked the XXXX XXXX ' box for my husband. Given that XXXX XXXX had clearly seen my husband 's driver 's license ( which visibly shows he's Caucasian ), this was incorrect. Over the years, it's been widely recognized that financial institutions disproportionately charge XXXX couples higher interest rates. Even if XXXX XXXX filled this out before seeing my husband 's license, his assumption seems questionable, making our paperwork incorrect. 

Due to several issues with CrossCountry, I requested an email from XXXXXXXX XXXX  supervisor. As a result, we received a text from XXXX XXXX XXXX of CrossCountry Mortgage on XX/XX/2024. Unfortunately, XXXXXXXX XXXX correspondence was unprofessional, containing a threatening undertone. He stated, " ... if I do not provide it [ bank statements ], I do not close on the house, '' which was particularly offensive among other things. 

Despite mine being the name on the initial inquiry, application, and consistent communication that I am the primary applicant, CrossCountry incorrectly put my husband as the primary borrower. They continued to label me as the 'joint borrower, ' making me secondary on all subsequent paperwork. 

There were various dates where emails were shared with disrespectful language, incorrect information in documents, information not being shared among important parties ( e.g., XXXX XXXX XXXX XXXX so the Title Company did not know we are in another state and can not sign the closing documents in the state where we bought the home, and the Title Company being so lazy that me and my husband had to find our own Notary.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am Looking at my credit report on XX/XX/2020 I noticed an Inaccurate Hard Inquiry from XXXX. I Called them up to see if they can validate. They couldn't verify any new Inquiry or any new requests or provide any type of documentation. I know Recently with XXXX XXXX I had some soft pulls with there website. I asked there customer service If maybe that caused it by mistake. They assured me not the case. The Customer Representative had told me they will try to remove this from my credit report as soon as possible but they are very packed up due to corona virus. I said I would dispute it on here since I never authorized anything and Is fraud In my opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX, XXXX, has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This bank merged with my bank ( XXXX ) at the beginning of XXXX. 

I was unable to connect to any of my online accounts for almost the entire month of XXXX because they had locked my online accounts, and there was perpetual hold music on their " help line ''. 

I finally got someone at the local office ( XXXX ), and she was able to resolve things, then my automatic bill payment for my rent went to the WRONG address for the month of XXXX. The previous bank had been successfully doing an EFT to my landlady for several years, I have no idea why they stopped the EFT and then screwed up the address for my rent check, but I corrected it in the online account, and thought that everything would be fine. 

I was wrong. It was not fine, they sent my rent payment to the wrong address *AGAIN* this month, my landlady is NOT AMUSED, neither am I. 

I attempted to contact XXXX XXXX again, but was unable to do so, however XXXX XXXX was able to see that my rent should have been sent to the correct address, however their 'processor ' has the wrong address in their system. 

This kind of incompetence is simply unacceptable.e
Product: Credit reporting or other personal consumer reports

ooked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Product: Debt collection

In spite being told to stop contacting my friends and family about my debt they continue to call them. We are working to correct the debt but they wont listen and badger my family about other contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA is not doing any investigation into this fraudulent debt. 
They are only verify that my info matches with the fraudulent inf listed on the account. 
That is not doing an investigation that is only verifying my personal info to the fraud account info. 
The CRA is still reporting this fraud information on my report. 
This is the only CRA that is is still reporting this fraudulent account. All others have did a proper investigation and have removed all fraudulent info but you. 
Please conduct a proper investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I contacted Exxon Mobil because of the XXXX XXXX, I was unable to make a payment on time and asked if I could make the payment at the end of the month namely XX/XX/XXXX. On XX/XX/XXXX I made the payment. In the evening of that same date, I received an email from Exxon Mobil. It stated, " Our decision to decrease your credit limit was primarily based on recent delinquency on your account. '' My recent delinquency was due to the XXXX XXXX. They also stated, " Our credit decision was based, in whole or in part on information obtained in a report from the following consumer reporting agency : XXXX ''. I'm not sure where they got my report because I have a security freeze on my report for over 15 years. They go on to say, " As of XX/XX/2020 your credit score is XXXX. '' How in the world can my credit score be that low when my bank just gave me a loan to purchase a fence in XX/XX/2020? Additionally, as I previously stated my account is frozen. I am being held heavily accountable due to this virus with a company who seems to be lying to me and discriminating against me for reducing my credit amount which has an effect on my credit score. How is this so? I spoke with XXXX from the management team who put me on hold for twenty minutes and then the phone magically disconnected. He never called. I called back and spoke with XXXX, who wanted to argue that Citibank does not discriminate and my credit score is not my Fico score. I guess she thinks I'm XXXX. She had an illogical answer for everything and tried to make it look like I am constantly delinquent by stating you've been delinquent 2 times. One of which is due to the XXXX XXXX. I guess she believes that I purposely went to XXXX, XXXX XXXX XXXX and brought it back to the United States. The bill was due on XX/XX/2020 and it is now XX/XX/2020. This company was in a rush to mark things against me credit wise because I am Elderly and am an XXXX  female.
Product: Debt collection

Conn 's appliances has been calling me since XX/XX/XXXX multiple times per day regarding a debt that someone with the same first and last name as me owes them. I have informed them multiple times that the middle names and birthdates are incorrect and they have called the wrong person. I have requested them multiple times to take my number out of their system, and they keep telling me they have done so but then start calling again. They have called multiple times every day for the past few weeks again, including harassing my daughter today and asking her for my personal information such as birthdate. In previous calls, they have asked me for my social security number and have harassed my wife multiple times. I called them again today to ask them to remove my number and told them again that I will take action if they call me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 9 accts on my credit report that I have been disputing since XX/XX/2021 and the bureaus and the furnishers are not helping me out this is a identity theft case and I will not settle until all these are off my credit report asap!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a collection from Spring Oak Captial on my XXXX credit report for sometime. I was able to dispute it with XXXX and XXXX and they removed. XXXX has yet to provide the documents necessary to prove that they verified it was me. My identity was stolen therefore this was a cause of that.