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

My mother XXXX XXXX is XXXX and not computer literate. Due to hacking she was offered free credit monitoring with XXXX which I signed her up for. On XX/XX/2023 XXXX notified her that a delinquent account was posted on Transunion. Transunion has XXXX XXXX posting a delinquent account from XXXX for {$32.00} in XX/XX/2023 that they ran up interest on to {$330.00} before they closed the account in XX/XX/2023. 
My mother does not have a XXXX XXXX XXXX and she has never received a bill from XXXX. Could you please help us find out what is going on here? My mother has never not paid a bill in her life and we have never heard of " XXXX XXXX ''. 
I tried disputing the claim with Transunion but within 24 hours Transunion came back with a verified as accurate and did not provide any documents. I helped my mother write a letter to XXXX XXXX and still have not received a response from that bank. The letter was sent on XX/XX/2023. 

XXXX XXXX for XXXX XXXX
Product: Mortgage

I started the loan refinance process with Citibank 1 year ago and unfortunately am still not receiving an appropriate level of service from XXXX XXXX and XXXX XXXX. My file was finally cleared as of XX/XX/XXXXwith all required paperwork, almost 12 months after I started the process with Citibank. 

From the very beginning of this refinance process, I have been very clear about my intention to bring money to closing in order to reduce my loan amount and monthly payments. At some point last year, my loan was passed along from XXXX XXXX to XXXX XXXX. Unlike XXXX who was very helpful at the start of the process, it has been very challenging to get hold of XXXX or get adequate support. XXXX did not reach out to me to explain or clarify the details of the closing process. This is an issue because I wanted to bring cash to closing. After 1 year of going through this painful refinance process and finally setting a closing date as XX/XX/XXXX, I am now learning that the loan amount can not be changed without going through underwriting again and further delaying the closing. XXXX blamed and scolded me for not notifying him earlier, when it was clearly mentioned from day one. 

I have spent hours emailing and calling for support, but have not heard back from either XXXX XXXX or XXXX XXXX in a timely manner. Due to the 12-month delay, I have lost thousands of dollars in interest I could have avoided paying. I also lost an opportunity to build additional equity that would have resulted from changing from a 30 year to 15-year fixed mortgage. 

I would like Citibank to reimburse me for the expenses I have incurred during this process, including the fees paid to XXXX XXXX and XXXX XXXX who have not supported me much during this year long process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I was informed via email that an erroneous debt on my credit file would be looked into as an error ( which it was ) by the company, XXXX XXXX that sold it into collections. XXXX investigated and found the debt to be in error, actually refunded {$57.00} that was owed to us. Several letters and communications were forwarded stating that XXXX recognized their mistake and would cease, themselves, and also require the collection agency, XXXX XXXX, to cease all collections. XXXX XXXX was required by XXXX and by law to systemically remove the negative file reported to the three major credit bureaus. XXXX XXXX then sent letters to me stating they would correct the reporting error but did so for two of the bureaus while leaving the reporting cycle for XXXX  open. 

Over a year has passed since I informed XXXX XXXX, a Minnesota-based collection agency, that they were in error concerning a debt that was not mine and I refused to pay. Doing so has caused a great loss to my personal and financial well-being. I am now in the middle of purchasing a new home which is due to complete building soon. The continued negative reporting with XXXX  refusing to remove this remark is causing suppression of my credit score and potential loss of my financial investment and social need for shelter for my family and myself. 

I am asking the CFPB to intercede on my behalf because XXXX  states that a request to remove the error has NOT been made by XXXX XXXX, while XXXX XXXX 's supervising agent over the file, XXXX XXXX, states that the error request was submitted in XXXX ( but also stated the same thing in XX/XX/2020 ), but the item is still reporting. It's well after the legal amount of time to remove the error, but XXXX XXXX states they will do nothing more to have it removed. XXXX  continues to state that there has been no request sent from XXXX XXXX and that must be received first before they can comply. 

I am attaching documents for review.
Product: Credit reporting or other personal consumer reports

I have people hacking into my phone taking my XXXX XXXX  all my social media accounts they're opening bank accounts in my name getting loans in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove these unauthorized credit inquiries from my personal credit file. I have no knowledge and did not authorize these transactions. 

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

Equifax has refused to provide my free annual credit report. Instead, they offer a PAID subscription to get it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the XXXX XXXX continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX party involved.Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to this UNFAIR and INACCURATE information to be reported to My consumer report. Please Remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer. 

15 USC 1681 C-2 ( a ) You have 4 days from the date of this notice to comply with my demands as set forth in the context above. This will be my first and FINAL attempt to rescue this as I am prepared to litigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF EDUCATIONXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting. ''
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], are not complete and accurate. 




[ XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate
Product: Money transfer, virtual currency, or money service

My paypal account hold my fund for 180days for bo reason. I already tried to send messages kn them but still they dont want to restore my account.I dont have any money to use now for my family. I am a single mother and jobless now.All my money is in my paypal balance.Now i dont know where to find money for our living. And I have a lot of of debts that are unsettled.There are also times that i am loosing hope and want to commit XXXX  because of my financial problem.
Product: Credit reporting or other personal consumer reports

I dispute the verification of the debt collection accounts by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please provide the method used to verify it per FCRA 15 U.S.C 1681i. I require this to ensure accuracy on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out an FTC report along with a dispute letter regarding an account on my credit report for XXXX XXXX XXXX XXXX for {$130.00} that I have no knowledge of. On XX/XX/XXXX I received a letter stating the information sent does not match my report which were my identity documents that I sent in my social security card and Driver license. Which I cant understand how if it does not match how is it being reported to my credit report which my social is connected!!
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE ACCOUNTS XXXX Date Opened XX/XX/XXXXXXXX  -XXXX XXXX XXXX Date Opened XX/XX/XXXX -XXXX Date XXXXXXXX XXXX XXXX XXXX Date XXXXXXXX  -XXXX Date OpenedXXXXXXXX  I DONT RECOGNIZE THESE INQUIRIES -XXXX XXXX OF -XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate.

Under 15 U.S. Code 1681e ( 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. I know that under 15 U.S. Code 1681i ( a ) ( 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 ( i ) 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.

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally there is a public record listed that should not be listed on my credit report as the courts do NOT report public record information to the credit bureaus which means that information was illegally posted to my credit report without my written authorization. Unless this written authorization can be provided by each of the credit bureaus this information must be removed immediately. Further the information presented is not accurate and that is further infringing on my rights and a direct violation of the FCRA as the law requires 100 % accuracy on all consumer credit reports. 

XXXX XXXX Bankruptcy | XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I DID NOT GIVE ACCESS TO THESE PROCEEDINGS! Articles 15 USC 1681 B
Product: Debt collection

I asked all three bureaus to investigate XXXX XXXX XXXX  they did not if they had they would have seen the account is not mine and they have a past due balance on there it should not they saying the account was opened in XX/XX/year>2025 it was not they have different names on my credit report my name is XXXX XXXX my address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX WISCONSIN XXXX I dont live at XXXX XXXX XXXX I cant receive mail there from the post office and I have all these inquiries on there they dont have my signature for either
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Equifax has violated my Federally protected Consumer rights In accordance with the fair credit reporting act Has violated my federally protected Consumer rights to privacy And Confidentiality Under 15 USC 1681 According to The 15 U.S.C 1681 section 602 A states I Have a right to privacy These addresses do not belong on my Credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus and XXXX are crossing my file with someone else. They have me listed as deceased. I am being denied credit every time i apply due to this error. I have disputed this error and sent my information to them showing that I am alive and well with my Driver 's license. However they continue to report me as deceased
Product: Credit reporting or other personal consumer reports

MY NAME IS ( XXXX XXXX ) I DO NOT HAVE A MIDDLE XXXX ADDRESS IS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IN XXXX PHONE NUMBER IS XXXX EMAIL ADDRESS IS XXXX I DO NOT WORK AT ( HIGH QUALITY APPAREL ) THIS IS THE ONLY PERSONAL INFORMATION THAT SHOULD BE ON MY CREDIT REPORT.. ANYTHING ELSE NEEDS TO BE REMOVED IMMEDIATELY BECAUSE IT VIOLATES MY CONSUMER RIGHTS
Product: Credit reporting or other personal consumer reports

I called Transunion on XXXX XXXX, requesting a credit report, upon receiving my report i noticed some inaccurate information, in order to look over my credit these companies is suppose to have miscible purpose according too 15 usc 1680, these inquires should not be on my credit .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

after my aunt pulled her credit and it showed that chase was on her credit report and she called them and they told her that my name was on the account as well so I pulled my credit report and chase was on mines to. myself and my aunt have reached out to chase bank usa and asked to remove this debt off my credit report and hers because its not ours. we 've called them several times we 've written to them as well and they still have n't showed us VALIDATION of this account being mine or my aunt. we are having no luck with chase on getting this resolved. we are trying to avoid going to court so if this does n't work we will have no other choice but to file legal action against them.
Product: Mortgage

On XX/XX/XXXX I contacted XXXX XXXX on XXXX XXXX in XXXX, XXXX  I gave the pertinent information to the application processer so that they could begin my file. The next day I spoke with XXXX XXXX XXXX ( NMLS XXXX ) who asked several questions and I once again explained my situation that I would be moving from XXXX, XXXX to XXXX, XXXX to take a new position with the XXXX XXXX. I was issued an award letter from the Department of Justice. XXXX stated she would need to see how long I had to be on the job before I could be approved and closed on the home. The next day ( XX/XX/XXXX ) I sent XXXX an email requesting an update. XXXX replied that I would need to have my first paystub before I could close, but that she was still waiting to hear back from the underwriter. I decided to follow up via phone on XX/XX/XXXX but did not get XXXX, so I also sent an email that day as well. I still have not received any correspondence from XXXX since XX/XX/XXXX. I contacted XXXX XXXX on XX/XX/XXXX to speak to her supervisor. I spoke to the supervisor and she basically reiterated that I would need to receive one paystub before I could close. I explained that if that were the case then my credit report should have not been pulled before they could have counseled me on the products and services they could offer. I asked her to submit a credit report correction and she stated she would need to contact corporate and would call me back on XX/XX/XXXX with the decision if they could do so. I have not heard from the supervisor and do not expect to at this point. Now, I have a hit on my credit report and they will not return my calls or emails to even get the process started. However, after seeing how poorly they have handled this situation I would not consider transacting any business with them.
Product: Credit card

I purchased a sofa from XXXX XXXX  on XX/XX/XXXX, using my XXXX card through Bank of America. The amount was for {$3300.00}. I was told that my delivery date would be XX/XX/XXXX. XXXX weeks before delivery, I was told there was a delay. XXXX weeks later, I was told there was another delay of my product. By XX/XX/XXXX I received an email from XXXX XXXX  that they were dealing with financial issues and that " negotiations were ongoing '' and to wait 1 month to see if I was going to receive my couch. On XX/XX/XXXX I was notified that the company XXXX XXXX had been assigned to XXXXXXXX XXXX XXXX XXXX for restructuring. In order to receive my money back, I needed to complete a claim, which I did on XX/XX/XXXX. Meanwhile, XXXX XXXX  was purchased by another corporate entity and is now under new management. On XX/XX/XXXX I called XXXX XXXXXXXX XXXX XXXXXXXX for an update on my claim. I was told that the case is closed and no money would be returned to anyone who had made a claim. They recommended calling my bank. My bank, Bank of America said they can not complete a claim because it is older than 6 months. XXXX XXXX stole {$3300.00} from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewing my  XXXX  credit report and it is showing an account by  SOUTHWEST RECOVERY  SERVICES WITH REPRESENTING CREDITOR  XXXX   XXXX  I have never done business with this company . Southwest Recovery i s not even licensed and bonded in the state of texas and the information need to be removed IMMEDIATELY.  XXXX   XXXX  is also reporting on   XXXX    and   XXXX   and need to be deleted as well immediately.
Product: Money transfer, virtual currency, or money service

My daughter has a cashapp account for children under XXXX, which is called a family account under my name. XX/XX/2022 there were a total of XXXX unauthorized transactions from someone who my child does not know at all. The XXXX charges are as follows : {$15.00}, {$80.00}, {$100.00}, {$42.00}. Someone hacked into my child 's account and we provided proof to cashapp and now apparently after their " investigation '' they are saying that my child authorized these transactions which is a flat out lie and they are saying there is nothing they can do. My child is a teenager who works very hard for her part time job to make money
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been an XXXX XXXX Barclays credit member for over four years. I've never been late on payments and have paid down balances in excess of {$8.00} dollars. My account has been reported 30 days overdue and delinquent for an amount of {$38.00}. I reached out to the credit card company to ask that the late report be waived. I had not used the card since XXXX 2022 and was not aware of the remaining balance. I paid the full account balance of {$38.00} as soon as I was reminded, but Barclays informed me that the last payment would still be reported to the credit reporting agency. I feel as though this is unfair based on my payment and credit history with this company. I am requesting to have the delinquent status removed from my report ( across all three agencies ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The INQUIRIES to date has NOT been proven COMPLIANTLY REPORTED such as to posses factually demonstrated document PHYSICALLY VERIFIED PROOF of adequate lawful PERMISSIBLE PURPOSE