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

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX How is XXXX XXXX and Equifax reporting this account type as open, while the account status being reported for all three consumer reporting agencies is closed? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX not supply that information to you? Shouldn't all data fields be complete? 
XXXX XXXX is reporting the date last active as XX/XX/2021, Equifax is reporting it as XX/XX/2021, and XXXX is reporting the date last active as XXXX date is it? It can't be all three? 

Why isn't XXXX XXXX reporting any payment history? Why isn't XXXX reporting any payment history other than XXXX of 2021? How can I be on time with my payment in XXXX of 2021 with Equifax but charged off that same month with XXXX? When was I reported late with XXXX XXXX or XXXX? What was my monthly payment? When was my last payment received for this account? When was the date of first delinquency with all XXXX consumer reporting agencies? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft. I have been for the the past two months constantly disputing errors on my credit reports. Now I have a service with XXXX  called true identity. Today Ive just realized I had our purchased this service. So I have been in contact with XXXX multiple times. They are very unhelpful. They have my account to dispute locked up so I can not submit my initial fraud affidavit online. I spent hours calling and they are completely rude and not wanting you help. Its obvious of that much. I paid for an identity theft resorting service through them. I called today specifically about this to get told a different phone number I need to call each time total of 3-4 times. I have spoken to this company numerous times and am very dissatisfied with the type of treatment / service Ive received. Im the victim here they dont seem to care they just want to get me off the phone ASAP. Should I sue? Im unsure what to do about this. Also Equifax was pretty much the same way while XXXX fraud department was excellent to deal with. I think XXXX  and Equifax should learn to treat the victims as such. I will add my information was compromised to my knowledge in both companys past breaches. I believe that all non account holding inquiries are fraud. As well accounts labeled XXXX XXXX XXXX, XXXX, XXXX, XXXX,. Ive tried contacting the creditors as well asking for debt verification and received one response form a company called total card which I will attach this letter. Delete all inaccurate fraudulent unverifiable information immediately while Under investigations and after as well. Because I have no knowledge of the disputed items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A FRAUDULENT ACCOUNT REPORTING ON MY CREDIT REPORT FROM XXXX XXXX XXXX. I DON'T RECOGNIZE THIS COMPANY AND I HAVEN'T DONE NAY BUSINESS WITH THEM.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

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

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I've been trying to use my 2 lounge access passes that they guaranteed came with my account when I opened my Venture card. They're supposed to expire at the end of XXXX but each time I try to access a lounge, I am turned down when they scan my card. I asked for any printed material, a letter, or anything I could present. They refused to provide anything. This means the access lounge access they promised when I signed up for the card is just a hoax. 

They've given me different excuses. One time, they said it would take 14 days to get a membership number to provide me for the priority pass lounge. When I said OK, go ahead and start the request, they came around and said that's not actually the case. They said I only have access to the premium lounge. So then I asked for information on how to access a premium lounge ; they then came around and told me that I was not eligible. 

This is clearly false advertising to lure people to sign up for the card. Now, the only option they are giving me is to upgrade to Venture X, which charges more annual fees. Consumers should be protected from this type of practice.
Product: Debt collection

Credit card company sold debt to collection agency that resulted from identity theft. I have mailed a copy of the identity theft report via certified mail to the company.
Product: Credit card or prepaid card

On XX/XX/2022 my wallet was stolen from my purse in a grocery store. Shortly thereafter I received a text from Citi Bank questioning whether a {$2100.00} purchase at Macy 's was mine. I replied no and called the phone number supplied. I reported that the card was stolen and answered their questions. I also contacted the XXXX, NC police dept. and reported the theft. I received a case number. In early XXXX ( don't recall the exact date ) I got a call from Citi asking me to call them. I did so and further answered their questions. In the coming weeks, I got email telling me that the dispute was being looked into. Then I heard nothing. Our credit card payment ( this is a CitiBank XXXX XXXX ) was due on XX/XX/XXXX. When I went to view the statement I saw in the dispute center that Citi was declining to credit the XXXX back to the account. I immediately called and spoke with a woman named XXXX who took notes and told me I had to call the fraud department again on XX/XX/XXXX. I did that and spoke with XXXX. I told him the whole story again ( for the XXXX time ) and he said it would have to go back to the investigators. He told me the reason they declined to credit the account was that I did not supply information they wanted. But he had the record that I had called in early XXXX. I looked this morning and I see no information except that they are declining to pay. It is time for me to escalate this.
Product: Payday loan, title loan, or personal loan

My wife and I were interested in obtaining a home equity line of credit. We did our research, knew our approximate credit scores from our free reports prior to contacting banks. We checked with a few lenders regarding their requirements. We currently have accounts with PNC and could meet all of the requirements advertised for approval. We called and spoke with 2 different local branches to confirm these requirements. Specifically we asked if there is a minimum credit score, and if the approval is based on credit score or debt to income ratio or amount of equity or a combination of all 3. Both representatives from 2 separate branches, stated they do not have a minimum score requirement and base the decision on a combination of all three factors. We then scheduled an appointment to apply for the loan in person. At the time of applying we verbally discussed our current credit score, our current income and expenses, past credit issues, and the approximate value of our property. The bank representative stated that she did not see any issues with our current credit score, that our debt to income was with-in the acceptable range and that if a simple drive-by appraisal of our house came back to low, we could request the full appraisal. We did ask if the current pandemic has any effect on approval and stated that my wife and I both have secure jobs working in XXXX and XXXX XXXX She stated that yes, that would help, that PNC does not advertise, but has denied people because of covid. 

A week later we received a copy of the documents that we signed that included our credit score. I called the bank to check on the status and I was advised that our credit score was below the 720 minimum needed before the loan would be considered. We questioned if our debt to income ratio and home value were reviewed and taken into consideration. The representative stated, no, the loan was being denied because of the credit score and would not be reviewed further. I specifically asked why they were not upfront with the fact that they base the approval off of the credit score alone and that I would not have wasted my time. She did not have an answer for me. We have attempted to contact XXXX via phone and have been unsuccessful. We currently have 3 different credit scores with a 60 point difference from XXXX provided to the bank, online at the XXXX site, and our yearly free credit report. PNC could not provide us with a contact number for XXXX.
Product: Mortgage

I was issued a loan modification ( not under a government plan ) by Nationstar Mortgage LLC. This was, and is a jumbo loan. The NationstarModification did not help lower my interest rate, which was 6 %, and still is to this day. I guess the modification was that they allowed a 2 year period as " interest only '' payments. In XXXX XXXX I began looking into a refinance to lower my rates to a competitive rate. I was quickly advised that my mortgage was listed as " in Dispute '' by Nationstar. I was also told that Nationstar had reported 5 late payments of more than 90 days. I immediately contacted Nationstar to dispute the late payments, as I pay electronically and have complete records of every payment. They told me they could not tell me the dates, as I was not the correct point of contact for my loan. They told me the law firm that represented my at closing was. I had that firm ( the lawyer contact had left that firm 198 months prior ) to write a letter confirming their dismissal as the point of contact. Along with that letter I included a letter from Nationstar to me advising that the first date of payment would be XXXX XXXX, XXXX. It turns out every reprted late payment was prior to this dateof my first payment. In fact, they applied my XX/XX/XXXX payment to XX/XX/XXXX, even though my firdfirst payment was XXXX XXXX, XXXX. Nationstar reports that XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payments were all late 90 days, even though they advised me in writing that the first payment was XXXX XXXX, XXXX. I have tried repeatedly to get Nationstar to acknowledge this in writing by email and fax, and I have tried to get them to engage me to modify or re-issue a new or modified loan, because no other lender will touch this because it is my mortgage company who is reporting my incorrect payment history, This raises a huge red flag to anyone willing to help me try to refinance to a competitive rate, and significantly lowers my credit score, both of which make it impossible to refinance. Nationstar has completely avoided dealing with me and will not return my calls. This is just part of my attempt to get them to correct their errors. If I would refinance to a competitive rate my payments would be close to XXXX/month less.
Product: Checking or savings account

Privacy and confidentiality under 15 USC 1681 Bank Of AmericaXXXX XXXX, and XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States that I have a 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 instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

I started new employment on XX/XX/XXXX. The first day was great, I met many people and they all were friendly and offered any information I needed to start with the company. The second day there were a few men walking around the hallway to the office building and then started to get angry people who would not look at me in the office. I realized these men were talking to the people in my new office. Within a week the employer had a meeting introducing a collection agency as a preferred vendor. The company had given the collection agency, XXXX XXXX, a list of all the managers clients to call, to sell their collections process. The business card we were given has a phone number : XXXX and a website : XXXX. The account representative was : XXXX XXXX, phone:XXXX, email : XXXX and no address. The new coworkers were now not even looking at me. Very few were even talking to me. On XX/XX/XXXX I received an email from my brother in California who is a XXXX XXXX XXXX XXXX XXXX XXXX ( retired 20 yr veteran XXXX ). He said every five years they do a check on him which includes his family. XXXX XXXX XXXX XXXX XXXX is the agency name. They came and used the office in the building across the hall from my office. They were in and out of the back office door wearing black pants and shirts with long hair, driving big black cars. Prior to the gov agency, It also appeared they had some sort of video in my apartment because there was reaction to everything I did and said. When I started to write this complaint on Tuesday night, several cars left the parking lot of my apartment community. It seems the people in my office are much better, at least will speak to me. It seems quiet now, I think most of them have left. Back in XX/XX/2018, my personal bank account was compromised. Someone had the debit card number and withdrew over {$900.00} from my bank account between XXXX and XXXX, the funny thing was the ATM withdrawals were from my own bank and Wells Fargo bank ATM 's. The account I have in collection is with Wells Fargo which I do not have an account number for as it was changed by them when put in collection. I was receiving phone calls at my previous employment where the ID on the phone showed : XXXX and XXXX. Most of the time is was a silent call, sometimes it was for LIFE insurance. These people did the same thing as far as telling everyone around me something to get everyone to hate.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regauarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB findings indicate that Zelle has not only protect consumers but also has allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

Hi I notice some unauthorize inquires, collection, close accounts, auto loans, student loans, personal loans, other accounts on my report and accordance with the FCRA ( fair credit report act ) Id like to have them remove immediately or pay and pay as agree in never late Pursuant to 18 USC 8, I owe no debt these company is violating my consumer right to privacy pursuant to 15 USC 1681 b 15 USC 1681 4 company has also no permission to report anything using my information these are close account thats late in not pay as agree they not minds capital one XXXX {$300.00} XXXX XXXX XXXX {$200.00} XXXX XXXXXXXX XXXX  XXXX {$700.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$500.00} Auto Loan thats close and not minds XXXX XXXX XXXX XXXX {$20000.00} Student Loan thats not minds neither DEPT OF EDXXXX XXXX $ XXXX Personal Loan not minds XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$4500.00} XXXX XXXX its late its not minds and 15 USC 1681 A Late payment Other Account not minds XXXX XXXX XXXX {$240.00} XXXX Collection thats not minds XXXX XXXXXXXX XXXX  XXXX {$700.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXXXXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXXXXXX {$1000.00} AND XXXX Inquires Now what i want is proof of all the stuff im bout to write down 15 USC 1692g Validation of debt 15 USC 1692e false or misleading representation 15 USC 1692j furnishing certain deceptive form 15 USC 1681 A late payment RULE 1002 requirement of original 18 USC 1028A aggravated identity theft
Product: Debt collection

Midland Credit Management is reporting that I owe them {$650.00}. This company is reporting fraudulent and inaccurate information on my credit report. I have requested that they provide me with a Purchase Agreement to show full ownership of such account and also other documents to support this debt, so that I may review to see if this is actually an account that belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion- I have about 20+ inquiries on my XXXX reports that I had no knowledge of until I was trying to get a house. These inquiries was not authorized. I already attempted to inform the agencies and the bureaus to no avail.. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX,, XXXX XXXX  XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/ XXXX XXXX XX/XX/XXXX, XXXX   XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX/XXXX XXXX XX/XX/XXXX , XXXX  XXXX XXXX  XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit report through my financial institution, XXXX XXXX XXXX, I discovered a " hard inquiry '' for a TARGET/TD card. It was reported to the credit agency on XX/XX/year>. I did not apply for a TARGET/TD card, at all.
Product: Credit card or prepaid card

This complaint is against Barclay 's Jet Blue Credit Card my acct. ending in XXXX. 
XXXX XXXX XXXX XXXX, DE XXXX On SUN. XX/XX/XXXX, I e-mailed XXXX XXXX XXXX ; in XXXX, XXXX using my JetBlue Mastercard to reserve a room for MON. XXXX. XXXX. XXXX I had cut my vacation short due to family matters and had to return to New York, XXXX. 

When I arrived at the XXXX XXXX XXXX on MON. XXXX. XXXX the front desk told me they had no such reservation under my name but had a room available. Which I obtained using my JETBLUE CREDIT CARD. 

I checked out of hotel on the morning of XXXX XX/XX/XXXX and went to XXXX XXXX hoping to get a flight to XXXX XXXX However ; no flights were available til the next day ; I purchased ticket and returned to the XXXX XXXX XXXX later that day. 

The front desk representative at the XXXX XXXX XXXX informed me there were no rooms available nor any other hotels in area. 
So not having a hotel I had to spent the rest of the day and night at the airport till my XX/XX/XXXX XXXX XXXX flight to XXXX NJ. 

Sometime later when I received my JETBLUE M.C. credit card statement there was a charge of {$140.00} for hotel logging on XXXX. XXXX. 

I immediately filed a complaint with BARCLAYS JET BLUE CREDIT CARD. 
I also contacted the hotel through e-mail but got no response. 

On XX/XX/XXXX BARCLAYS JETBLUE reinstated charge stating merchant had not violated terms and conditions of sale. 

This is completely false. In a written statement given to BARCLAYS JET BLUE in their defense they state : " XXXX XXXX made the reservation by phone. He was advised about the cancellation policy. The customer never arrived so we charged him. '' The fact is ; if that if that was true they would have my correct name since reservations would have been made on my credit card. I made no such reservations and if I did it would be under my name XXXX XXXX. 

Again I sent documents in my defense to BARCLAYS JET BLUE and never heard from them. 
I called them to inquiry on XXXX. XXXX. XXXX, XXXX and was told it was determined the charge was legitimate. 
It was not only NOT but in fact FRAUDULENT! With overwhelming evidence in my behalf. The BARCLAYS JETBLUE representative stated there was nothing that they could do but I could reach out to the hotel again. 

I request a full refund of the false charge of XXXX & want to file a formal complaint against BARCLAYS JETBLUE CREDIT CARD for their unprofessional, lackadaisical and promotion of fraud by a vendor and not protecting me, the card holder of this false charge.
Product: Credit reporting or other personal consumer reports

XXXX ( XXXX  ) XX/XX/2023 WF CRD SVC ( XXXX  ) XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 WF CRD SVC ( XXXX  ) XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 all of these inquiries started appearing on my credit reports and i didnt know how to deal with them