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

I had recently reviewed my credit report and i found several discrepancies in the below accounts. I wrote to each bureau to please fully validate the reported information and remove anything that they couldn't provide signed, original contracts that correlated to the accounts in question. They didn't even look into it they just reposted the discussion from before that again wasn't looked into nor did I receive the information. 


XXXX XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$510.00} written off. {$510.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$510.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX XXXX  XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$620.00} written off. {$620.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$620.00} Balance updated XX/XX/XXXX XXXX Account type Utility Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$220.00} written off. 
Status updated XX/XX/XXXX XXXX
Product: Mortgage

XXXX/XXXX/16, I started a refinance loan with, XXXX XXXX financial, XXXX XXXX XXXX CA. Within the first month of processing : the appraisal, credit qualification, application and pest inspection was completed. XXXX, I was asked for a military document that does n't exist, fortunately with the assistance of XXXX XXXX military personnel-I was able to prove my eligibility. 81 days later, I have not received any communication except " Required Disclosure Requirements '' must be met first before this loan can close. I believe that my file is being held until the rates change and then my loan will be charged an higher interest rate.
Product: Money transfer, virtual currency, or money service

an influencer promoted this account XXXX XXXX  on instagram how anyone can easily invest money. the account had ( which i would come to realize a fake ) certification with a XXXX XXXX name on it so im going to assume a lady so i thought it was real. so i message the account and told me to start my process on imessage and i had sent {$100.00} on XX/XX/XXXX at first and she said in return i would get {$7500.00} and said it would take around XXXX minutes and then asked for a 10 % deposit as the money was on hold and i would get it refunded to me after i received the payment, i didnt have that much at the time so i sent it the next week {$150.00} on XX/XX/year> and {$150.00} XX/XX/XXXX XXXX and then she had notified me the money wouldnt go through and i had a late fee of {$200.00} after that she told me numerous things over the next course of weeks that something was wrong with her bank or my payments, it was ALWAYS something was slowing down the payment process and always assured me i would get my money. i always did what she asked, and sometimes she would just ignore me or tell me to call my bank and report the money, i even asked to just get my money back since the process was taking so long and no response. and when i would say something she showed me this screenshot which i will share that other people are experiencing this same thing with her and that i shouldnt be upset
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I was a victim of fraud using my XXXX XXXX checking account. There was a member to member payment placed in my account in the amount of {$4500.00} from a member that I dont know and never had any sent or received money from. The exact same day and debit from my checking account was done in the amount of {$4000.00} to cash app. I didnt make any transactions at all and have been a victim of fraud but Cash App is not investigating this issue. I submitted a complaint and it was dismissed with no information. They didnt explain how they came to the conclusion just denied it. I also submitted a complaint to cash app serval times but there is no one I can speak with to successfully resolve this issue. Im frustrated because this has turned my life upside down. I need this to be properly investigated. The letters I received from XXXX XXXX as well as Cash App does not show proof that I made these transactions and its sad that they wouldnt provide the proof since theyre adamant on denying my claims. Im upset that there was no thorough investigation done concerning this matter. I want cash app to take the funds from the scammers whos cash names XXXX XXXX XXXX XXXX who both debited my cash app account that was linked to my XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

There are items on my credit report that is not mines and also not reporting correctly on my credit reporting
Product: Checking or savings account

My name is XXXX XXXX and I opened a Citibank checking account on or around XX/XX/23 making my first deposit of {$24000.00} on XX/XX/23 to account # XXXX. I've also just moved from XXXX XXXX XXXX XXXX XXXX here in the past week or two deciding to split from my very abusive husband abruptly. I called the bank to activate my card once it finally arrived to my new address through expedited shipping and everything went successful so I was told. I tried to use it that night for dinner and it's declined then I try to use it again at ATM that same night thinking there should have been a mistake somewhere or could have been and will behold it's declined. I called the bank and they tell me I have to call central time because their system was updating and they had no access to the account information. I called it XXXX XXXX and told them what happened the representative assured me everything is okay now and the card was successfully unblocked and ready to use. That same afternoon I tried to attempt to make a purchase at XXXX and again the card is declined. Once I call the bank I am escalated to the fraud department and the representative told me that my account was going to be blocked until further notice because my phone number was not verified or registered. She then hung up on me and did not offer any further clarification or details as to what she had mentioned being the reason for this block. Again this is the same phone number that I used when I opens the account nothing had changed. After more calls to more Representatives and given the same answer I'm at my breaking point and forcing an EVICTION and discovery by my abusive husband since I tried everything possible to make my phone number public data for Citibank. I even went as far as purchasing a prepaid XXXX and going online and registering the phone to my name. This is putting me at tremendous risk and I can not further risk my safety just to get my account unlocked because my life and safety are at Great risk. I have successfully complied and given every security answer with a green light to every inquiry they have asked to verify my identity but at this point I don't know what the f*** they're asking anymore this whole phone number verification stupid registration thing is absolutely Bonkers and I feel like they are unjustly holding my funds from me and this is not right nor can it or should it be legal. It is my choice as an American to have any phone number I'd choose or Carrier or non-carrier if I want to prepaid service I should be able to have that prepaid service especially if the phone number is the same phone number I used when opening the account. This is my formal complaint regarding Citibank and they're fraudulent ways of holding my funds and freezing my account for no reason whatsoever.
Product: Credit reporting or other personal consumer reports

dispute the following hard inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX was supposed to be off my credit report, i filed a few times with Experian & they investigated improperly and i would like them removed. Please and thank you.
Product: Credit card or prepaid card

I canceled my credit card, after that I have a refund that XXXX made me to receive on this canceled card and a dispute that the bank owes me a deposit 5 months ago. I contacted them several times and I go to the bank branch to try to resolve this and they never gave me a solution to receive this amount. Because I canceled my credit card, it does not make this deposit to my account.
Product: Student loan

On XX/XX/XXXX th XXXX  a payment of XXXX was pulled from my account. Then on XX/XX/XXXX another withdraw was taken from my account im the amount of XXXX. I am signed up for ACH payments and the XXXX funds were pulled without authorization. I called on XX/XX/XXXX and was told since two payment were taken out at once it would be escalated and I would receive a refund 7-10 business days. As of XX/XX/XXXX I have not received anything and now being told it would be 60 days for a refund. Not to mention I have been in the phone for over three hours, transferring to multiple different departments then hung up on with no resolution and no call back after giving permission for them to call me back. 
There customer service is horrible and now I have another payment coming up that I dont have money to pay.
Product: Credit card

Around XX/XX/, I tried to use my Amex credit card and was denied. Since I paid it and have excellent credit, I was puzzled. Then I received a letter from Amex addressed to my estate saying they had been informed that I passed away. Since that was incorrect, I immediately called Amex and due to my phone number, was transferred to XXXX XXXX. I then sent a letter to Amex via certified mail and asked it to provide to me evidence of my death and who sent that information. Amex never provided any verification, but then re-opened my account. 
I need the information that led Amex to close my account because now another creditor sent me a letter stating that I passed away. This is a big problem because some of my credit cards have automatic payments and I don't want to have a problem with my accounts not being paid. This is my personal information and I deserve to know what transpired and who is falsely stating I passed away.
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute fraudulent items on my credit report, which I belive stem from identity theft. Pursuant to U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Police Report/FTC identitytheft report ( FTC Report XXXX : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputedinformation identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked. 

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent INQUIRIESfrom my credit report. 

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

XXXX XXXX AUTHORIZED USER Credit usage 92 % Balance {$3200.00} Balance updated XX/XX/2023 Credit limit {$3500.00} 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.
Product: Checking or savings account

I requested money from a retirement account I had, and when the money got deposited into my account they froze my account and wont let me use my funds.
Product: Debt collection

I call the 800 number on the collection notice to attempt to make a payment, the number for not work. I say ok I will pay it online I attempt theyre website to make a payment online, and their server is down. I have no way to make a payment on the account but they continue to charge interest on the past due amount and reporting negative to credit beuro. How is it legal to charge interest on an account that is no accessible to make a payment on.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unatuthorize inquirities on my XXXX  credit report that i have disputed several times with no avail or resolution, it still remains on my credit report. I also have unauthorized inqueries on my equifax and XXXX credit reports, I have also called and disputed with them also and it still remains on my credit reports. For XXXX there is one unauthorized inquiry form XXXX XXXX XXXX XXXX. Equifax has 2 unauthorized inquiries, from XXXX XXXX  XX/XX/XXXX, also XXXX XXXX XXXX XX/XX/XXXX. XXXX 5 unauthorized inquiries XXXX TX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX and XXXX OF XXXX XX/XX/XXXX. Please reach out to the Bureaus and have them take care of this issue thanks. 

I have put in dispute after dispute and its honestly becoming tiring and wrecking my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : CFPB Complaint ID XXXX XXXX XXXX Account No. XXXX I recently submitted a CFPB complaint detailing erroneous late payments being report which are violations of my consumer rights under 15 USC 1681 ( 2 ) ( a ) ( i ) and also section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report How can I be late on payments when there is a finance charge ( 15 USC 1605 ) that's payable to me? In addition to that my statements are proof of the credit ( s ) that are due to my estate ( owner ) of the account. FCRA SAYS THAT TRANSACTIONS AND EXPERIENCES ARE TO BE EXEMPT FROM REPORTING!!! This complaint should have never been closed without a satisfactory investigation using FCRA guidelines as a medium between the consumer and the person making the report!
Product: Debt collection

Congress Collection ( XXXX XXXX  XXXX  walk in Balance : {$500.00} ( alleged past due amount that I never been aware of and I never been to this company ) Date open XX/XX/XXXX
Product: Debt collection

I had XXXX insurance on my XXXX XXXX. I sold the car last XXXX. I notified XXXX with 5 emails to cancel the policy. they did not cancel it and kept sending me notices they that I needed to pay another premium. 

The policy was cancelled in XXXX of XXXX and I have the emails which XXXX received to prove it. 

They have turn over a balance of {$64.00} which is not owned and have put a derogatory item on my credit reports. 

At your request I can send copies of emails telling them to cancel which they failed to do. 

You can see from the emails to XXXX that I attached they acknowledged they received my cancellation and said in their response " sorry to see you go '' What a joke huh??? Then they turn me over to collection!
Product: Debt collection

RE : Complaint Regarding Debt Collection Practices for XXXX Loan # XXXX Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding unfair debt collection practices related to my XXXX loan, Loan # XXXX. The loan is currently being collected by XXXX I was not informed that my XXXX loan had been referred to the U.S. Treasury Department for collection or assigned to Coast Professional for collection activities., I did not receive a notice from the U.S. Treasury Department regarding the past-due balance on my loan. Additionally, I have been contacted by XXXX XXXX. 

While I acknowledge missing some past due payments, I believe I was not given adequate time to explore options for a payment plan or loan modification before the debt was referred to collection. The seasonal nature of my trucking business, XXXX XXXX XXXX, resulted in a temporary income decline that impacted my ability to meet the current payment schedule. 

Here 's what I have done to address the situation : several times : I contacted the XXXX loan officer to discuss my situation and request a payment plan or loan modification. I made a payment towards the outstanding balance Attached proof of payment. 
My concerns are : The lack of notification regarding the transfer of the loan to the U.S. Treasury Department and subsequent assignment to a collection agency. 
The lack of sufficient time to explore payment solutions before referral to collections. 
The potential negative impact on my XXXX XXXX due to collection activity. 
I request the CFPB to investigate these practices and ensure I am given a fair opportunity to resolve my outstanding balance with the XXXX. I am committed to repaying my loan in full and am actively seeking a solution with the XXXX. 

I have attached a copy of the referral notice from the U.S. Treasury Department and communication from XXXX XXXX. 

Thank you for your time and attention to this matter. I look forward to your response and assistance in resolving this issue. 

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

I want to inform the credit bureaus AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX BANK XX/XX/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: Mortgage

Credit reporting companies XXXX, XXXX and XXXX are reporting credit limits that existed before a HAMP loan modification in XX/XX/XXXX. The loan taken out in XX/XX/XXXX with Aurora was for {$600000.00} and was a negative amortization loan. As a result of the recession, I could only pay the minimum payment. By XX/XX/XXXX, the loan balance had climbed to {$700000.00}, and I qualified for the HAMP. Nationstar took over as the loan servicer in XX/XX/XXXX. My balance now shows {$640000.00} with a credit limit of {$600000.00} and a Debt/Credit ratio of XXXX %. I have not missed a payment in 4 years and believe that the Credit Limit should show as {$680000.00} not {$600000.00} since the $ XXXX was the balance at the time of the loan modification. This ratio is very negatively affecting my Fico score by inflating the total Debt to Credit ratio which would be XXXX % and not XXXX %. The mortgage D/C ratio would be XXXX % vs XXXX %. This is an undue burden on anyone diligently paying off HAMP or HARP loans and does not reflect excellent payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt reporting on there. I have spoken to the attorney general of Utah and have confirmed that this is past the statute of limitation in UT. I no longer owe this debt and Credit Acceptance can not bind this debt to me or try to collect on this debt. I ask that they remove it immediately as this debt is no longer owed.