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

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX and XXXX. The CFPB complaint numbers were XXXX ( XXXX ), XXXX ( TransUnion ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion, XXXX or XXXX to resolve anything. There is also data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit card account 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 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.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX , 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 a account without my written 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 item of information, other than records of convictions of crimes which antedates the report by more than seven vears. 15 U.S.C. 1681s-2 ( A1 ) 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: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows hard inquiries on my account indicating that I have applied for a loan. I have not. This company knows full well that I am in the midst of a divorce, that my EX is court ordered to pay the loan and has not. They know that I HAVE NOT applied for a loan as they KNOW I do not currently have a job and have been jobless for almost a year at this point in time. This has all been reported to their collections department many, many times. I have NEVER applied for a loan and nor would I. 

If they have an application in error, I want to know who signed it as it was NOT me. THREE times in the past slightly over a year they have dinged my credit with a hard inquiry. AGAIN, I Have NOT and NOR would I apply for a loan without a job.
Product: Credit card

I've always made sure that payments on this account are made on time, ensuring they are never overdue. However, I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

I will add dated information to the attached document section letter of dispute. I have filed with the FTC and Experian sent me a stall letter after disputing these accounts. I have called everyone I have did disputes does not seem anyone will assist
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Checking or savings account

I opened a new Citibank Checking account in XX/XX/2018 in response to a promotional offer. The offer was to open a Citibank Account with {$15000.00} and receive {$400.00} once all conditions were met. As of XX/XX/2018 the terms and requirements were met on my side. I have been in contact with Citibank multiple times with no resolution.
Product: Mortgage

My mortgage service companyXXXX XXXX XXXX XXXX XXXX, failed to pay property tax on time and charge interest rate penalty to my account. The tax amount of {$4000.00} was due on XX/XX/XXXX, which should be paid from my escrow account. I have contacted them through phone and online messages since XX/XX/XXXX about the missing payment, and they only paid the tax on XX/XX/XXXX. In addition, they charged {$72.00} interest penalty to my account, and they are trying to escape from it by saying that it is due to a special assessment. I feel this is inappropriate as it was the servicer 's fault that they missed tax payment and in addition their turn around was so slow that it took them a month to pay it, and in the end. This reveals that the servicer has a lot of operation errors.
Product: Mortgage

My name is XXXX. XXXX in XXXX XXXX I sold my house in XXXX XXXX to " XXXX ''. We met in their offices I asked for XXXX $ which was a little over what I owed the mortgage company. They wrote me a check for the difference I handed over my keys an moved from XXXX to XXXX. A few times after that the bank would continue to take the money out of my account for the mortgage but I contacted the realtor for we buy ugly houses an they fixed it. 
I heard nothing more about the house until I briefly moved back to XXXX in XX/XX/XXXX. Then I found out the house I " sold '' was probably a rent to own an the people I thought I sold a house to stopped making payments. Still at that time I did n't feel it had anything to do with me as I sold that house. In XX/XX/XXXX I heard I was in foreclosure for that house. I received a notice from Nationwide, I sent them a lette saying I sold that house. First problem was since it was over 5 years since I sold it I had thrown away the paperwork from the " XXXX " people. Second problem seems to be no deed was ever transferred, recorded Or in evidence of the sale I thought was completed. I was still listed as owner. 
Despite several attempts to try to tell the I do not own this house have reaped no profit nor made any payments on it since XX/XX/XXXX. 
They are pursuing foreclosure on this house. I now live in Nevada an I do n't know what to do. A realtor friend of mine told me to contact you, please help I feel I have been the victim of fraud with these people " we buy ugly houses '' an feel helpless to stop this. I own nothing, have nothing an ca n't afford a lawyer. Thanks XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX email XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & SageStream or reporting incorrect information onto my consumer report. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX GA XXXX there should be no other information listed on my report it is not correct. Send me an updated report listing my information correctly or risk being sued for damages.
Product: Debt collection

Not aware of the debt. Never received any communication regarding the debt. I want to dispute this collections record on my credit report. I want this to be removed ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccuracies present in my Experian credit report. On XX/XX/XXXX, I contacted Experian regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$180.00} The account labeled as XXXX XXXX XXXX with Date Opened : XX/XX/XXXX has been inaccurately reported with a Balance of {$180.00}. I believe the correct balance is lower. Additionally, the Past Due amount is inappropriate for this closed and charged-off account. I request that this account be marked as disputed while I work on resolving the discrepancy. Furthermore, I require verification of Date Opened, Date of Status, and First Reported. 
Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} The account labeled as XXXX  with Date Opened : XX/XX/XXXX and a Balance of {$1300.00} is inaccurate. The original creditor is XXXX XXXX XXXX, and the reported company on this account is unknown to me. The reported Balance is higher than my recollection, and I dispute the entire account. I request verification of Date Opened and Date of First Delinquency. 
Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The account labeled as XXXX with Date Opened : XX/XX/XXXX and a Balance of {$0.00} is inaccurately reported as never late. I kindly request that Experian correct this information to accurately reflect that the account was never late.
Product: Credit card or prepaid card

I've purchased 5 Vanilla gift cards ( XXXX $ each ) on XXXX of XXXX last year. I tried to use it on different locations. 
After I contacted the company, they open a case no for me. It solved 2 of the cards, but 3 are still not usable, even today. Case still open and pending...

Case no XXXX on VanillaGift
Product: Checking or savings account

Opened savings account on XX/XX/XXXX with XXXX XXXX and was not given any indication that access to my money would be limited to no access at all within 60 days of account opening. Set up a transfer to transfer money on XX/XX/XXXX from my Popular account to my external bank ( same account that funded account at Popular ). Transfer failed. Called XXXX XXXX and they said they limit access to all accounts during first 60 days and only way to access would be to send them a bank statement to prove account ownership. Otherwise there is no way to access my money. Spoke to a supervisor XXXX who said that's how they do things. Transfer to external account from my Popular account on Popular 's online banking is also locked. How can a financial institution lock access to account holders for 60 days unilaterally and across the board as a policy? Absolutely ridiculous ...
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}.
Product: Debt collection

I am writing to inform you that I have been a victim of identity theft. As per FCRA Section 605b, it is mandatory for you to remove/block any account listed on an identity theft report. I have attached the necessary documents to assist you in blocking the erroneous information that is being posted on my report. I would like to bring to your attention the list of accounts that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX Opened Date : XX/XX/2018 Balance : {$100000.00}. Please remove these accounts ASAP. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX of 2019 I submitted documents to both XXXX and TransUnion regarding a bankruptcy being reported to my credit. I submitted proof from the XXXX XXXX they DO Not report to credit bureaus. The bureaus insisted that they recieved the information from the courts which was in fact false. Also, the bankruptcy is reporting as a name other than my own. The bureaus have yet to remove this item from my report. The Bankruptcy is not reported on XXXX and XXXX sent documentation to both. They have refused to comply as detailed in law regarding credit agencies reporting public records.
Product: Credit card or prepaid card

On XX/XX/2018, I made a purchase to -- what I thought was -- the XXXX Official website. I made the purchase of a {$320.00} XXXX XXXX for a XXXX present. This ended up being a fictitious website from XXXX that was taken down soon after I paid for the product. I tried to cancel the purchase, but I was told by Capital One that it would be fine and if it did not show up, then I would be covered by their Customer Protection Plan. I tried to cancel my order with the people from the website through email, but they assured me they were a legitimate company. I waited and nothing was delivered on the expected date, so I filed for a refund. I received that refund on XX/XX/XXXX. Nothing was delivered until XX/XX/XXXX, which was after XXXX, and it was not what I ordered. I received a XXXX XXXX instead of a XXXX XXXX, so I figured I would have been taken care of by Capital One. 

On XX/XX/XXXX, Capital One took back the previous refund from XX/XX/XXXX and requested more information. I sent them emails between the seller and, a tracking number from the transaction, and pictures of what I received with the same tracking number. 

On XX/XX/XXXX, Capital One gave me the refund, however, on XX/XX/XXXX they took back my refund twice so now the missing cost was {$650.00}. The Capital One person I talked to on the phone said they gave me the credit twice which was incorrect. Upon review, he refunded the one charge of {$320.00} and told me I needed a third-party letter for this dispute. I did get a third-party letter, but since this was a scam website, the third-party letter was not structured how they wanted it to be. They have not listened to the evidence I have provided them with that this purchase was a scam. 

I have not heard anything back from Capital One under these circumstances, and I need help to get my rightful refund and to keep these businesses honest. If you have any questions or need any proof of these transactions, please contact me. I am ready to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being made by the consumer XXXX XXXX XXXX XXXX XXXX Please see the identity theft report attached. I have Consistently disputed fraudulent accounts that result from identity theft on my credit profile. XXXX, XXXX, and Transunion each have not provided me with the results of the recent Investigation within the allotted time provided in the FAIR CREDIT REPORTING ACT. My person and household have been affected tremendously by the inaccurate credit reporting that these companies have been doing against me. I also feel discriminated against as I have disputed these items a multitude of times and cooperated with the guidelines of the FAIR CREDIT REPORTING ACT and have not been fairly treated. Am alleging that these companies are not in compliance with all applicable laws.
Product: Debt collection

I had a student loan with Key Bank XXXX XXXX originally taken out in XXXX and I paid it in XXXX or XXXX. 
On XX/XX/XXXX, at XXXXXXXX XXXX EDT, I received a collection call from KeyBank that went to my voicemail. I called back and spoke with someone who confirmed that my account was paid in full. She didnt understand why I was getting a collection call. Then she said that my phone number is also associated with another account. I have had this phone number since XXXX or XXXX. She said she would fix the issue. 

On XX/XX/XXXX, at XXXX XXXX EDT, I received another collection call from KeyBank that went to my voicemail. Again, I called back and questioned why I was receiving the phone call. The representative confirmed that my loan is paid in full and I do not owe anything. She said she couldnt see on her end that I had received any phone calls. I told her that I had two voicemails on my phone that are still there, and I indeed had received collection calls. She did some further digging and found that my phone number is still associated with another account. This is not up to me to fix. I am so upset getting collection calls for something Ive already paid, and paid several years ago! 

I still have the voicemails.
Product: Credit reporting or other personal consumer reports

You have committed a Trespass by way of an Invasion of Privacy, Material Misrepresentation, Fraud, Unauthorized Use, Negligence, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and, Texas Business and Commerce Code Sec. 521.051. You are a consumer reporting agency, financial institution, and a nonaffiliated third party, who obtained, used, and furnished my nonpublic personal information, personal identifying information, and identifying information without my consent pursuant to 15 USC 6801, Texas Business and Commerce Code Sec. 521.002, and Texas Penal Code Sec. 32.51. The original creditor did not legally obtain consent to sale, transfer, or disclose any account information with your company, or any other third party as regulated by 15 USC 6802 of the Gramm-Leach-Bliley Act, GLBA. Additionally, the original creditor, failed to provide me with FULL disclosure regarding their intent to do so. Failure to provide FULL disclosure of material information is an unfair method of competition, and unfair and deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 
1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX  XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.