23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I ask the Mortgage to take off the XXXX  because I had already paid it off. They are still asking me to pay the whole amount which I do not have any balance on my XXXX account. I pay Insurance and tax off before XX/XX/XXXX and call United wholesale Morgage they stated they are working on it. It does not take over 30 days to remove the XXXX  account. I been calling them for over 2 months nothing has been done as of today XX/XX/year>. Please help me to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a account ( XXXX XXXX ) on my Equifax credit report that does not belong to me. 
I have submitted a identity theft affidavit to Equifax 5 months ago, then 3 months ago and again 1 month ago. Equifax placed a comment on the account, consumer disputes - reinvestigation is in progress. 
This fraudulent account is preventing me from becoming a homeowner.
Product: Credit card or prepaid card

I applied for credit and was denied, my denial letter is proof I was discriminated against. Amex should recitify this affair and compensate me for the use of social security number. Otherwise this would be considered unauthorized use as I have received no benefit.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 views of consumer report showed illegal late payments from XXXX and illegal inquiries from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

You are reporting inaccurate information. Please see the attached FTC report and proof that my information was compromised in the XXXX XXXX breach and remove the following unverified information from my credit report within 14 days Accounts XXXX XXXX XXXX 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 have been a victim of identity fraud and have filed a police report. I have been trying to get the PayPal inquiry off of my XXXX report for months now. I keep getting the run around from XXXX and was told to report the issue to CFPB. I have attached a print screen shot of the inquiry showing in my credit report. 

Date : XX/XX/21 PayPal Inquiry
Product: Credit reporting or other personal consumer reports

I am requesting information on my delinquency or derogatory behavior. I want any potential negative information to be confirmed and would like to know the absolute truth and facts about it, even if it is certified. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG, " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies are put in falsified information on my credit report and it is destroying my credit score also school loans that is on my credit report that does not belong to me I have tried to dispute the several times and also fraudulent items I have disputed on my credit report that dont belong to me also my report is being used on a XXXX webpage that I have no knowledge of I also have disputed that and its still not getting nowhere
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank is reporting to XXXX an account that doesn't belong to me. 

According to report, it was opened on XX/XX/2022 & closed a day later on XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I request XXXX XXXX  report and upon read this report I noticed that over XXXX transactions from my bank reporting on this report. These transactions consist of my bank account transactions history.These transactions were provided by the Banks in which I bank with. According to these bank privacy terms and conditions they stated that my information will not be shared with any third party. I am also aware that this is a violation under the privacy act. XXXX XXXX is a third party and for my banks to unlawfully give out my personal spend transactions without my written consent or knowledge is a complete violation of my rights as a consumer. Navy federal Credit Union has reported XXXX of my banking transactions, XXXX XXXX  has reported XXXX of my banking transactions, XXXX XXXX is reporting 8 of my banking transactions and XXXX XXXX service is reporting XXXX of my banking transactions all together, along with two other banks that I have not currently list. I have provided documents of each transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Security Finance on XX/XX/XXXX in reference to an account that has incorrect payment history. I requested that they send me information showing that the payments I made were late. I received nothing in response. I sent this letter via Certified mail and have proof that they received it. I made payments in the months that they are recording as late. The notes state that I was 60 days late in XX/XX/XXXX. I made payment on XX/XX/XXXX. My records show that the payments were made within the 30 day Credit reporting window. I have contacted the local store and was advised that the account appears current and I should contact Corporate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX there have been numerous inquiries on my various credit reporting agency. 

I have reported the fraud to all reporting agencies ( TU, XXXX and XXXX ) as well as called each creditor reporting inquiries on my reports with these agencies. 

XXXX has been unhelpful removing the inquiries. 

XXXX XXXX has REFUSED to remove the fraud inquiries but has marked them as such internally - the inquiries are still on my report and have affected my ability to obtain new credit and have damaged my scores which is costing me a lot of money in higher interest rate loans now. XXXX accepted my report - but have not provided any deletion letters to me or to the Credit Reporting Agencies. 

XXXX XXXX and XXXX have also accepted my report - but have not provided any deletion letters to me or to the Credit Reporting Agencies. 

XXXX, XXXX and Target all still show inquiries on or about on XX/XX/XXXX thru XX/XX/XXXX which were all fraudulent attempts at obtaining credit in my name and social but at wrong addresses and unknown phone numbers. I have called each of these creditors and advised them of the fraud but they are not removing the inquiry reports to the CRA 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion credit reporting agency has not removed negative public record from credit report. XXXX   has removed information and has increased credit score to the excellent category.
Product: Credit reporting, credit repair services, or other personal consumer reports

i CONTACTED DISCOVER CREDIT SERVICES BECAUSE I HAD A HARD INQUIRY ON MY CREDIT REPORT THAT I DID NOT MAKE. 

I SPOKE WITH A REPRESENTIVE AND SHE GOT MY SOC SEC NUMBNER AND COULDNT FIND ANYTHING IN HER SYSYTEM WITGH MY SOC SEC NUMBER. 

I WAS DIRECTED TO GET IN TOUCH WITH THE XXXX CREDIT REPORTING AGENCIES. 

AND SHE MADE A NOTE ON HER COMPUTER AND TRANSFERED TO A WOMAN WHO WAS VERY ABRASIVE AND DID NNOT WANT TO HELP STATING " I DEAL WITH PEOPLE WHO HAVE ACCOUNTS.. '' AND I WAS DISCONNECTED
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 15. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accuratXXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 18. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 19. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Checking or savings account

I had mobile deposited a check I received from my job as a bonus to my Citibank account. The next day I went to check the status of it clearing and I was unable to get into my account. I called and was able to access the app and look into my account. That same day I used my debit card to make a few purchases which all went through. The following day I was unable to access my account again. I called customer service and was notified that my account was on hold to close and my debit card as well as the money now in my account would be inaccessible until an investigation was done which could take up to 30-60 days. I was given no email or phone call prior to this happening and was also given no explanation as to why my account was on hold. Everything is frozen now and I cant access anything with my account and I really needed that money to be able to get an apartment as well as for XXXX  gifts for my family. This is not the first time Citibank has done this to me and all I want is my money out of the account and the account closed and I will never use Citibank again. Please any help you could give towards this goal would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

Ive been locked out of my coinbase account for almost a month now. They are not responding to questions they have no response and have my money. Coinbase is a scam. They have an IPO coming up and they are trashing existing account holders.
Product: Checking or savings account

In XXXX of XXXX BofA had a savings account offer for a {$100.00} bonus offer if you deposited {$1000.00} within thirty days of opening an account and maintained that account for a required period The account was opened on XX/XX/XXXX. I made a deposit on XX/XX/XXXX, the promotion required I maintain the account through XX/XX/XXXX ( I still have the account open and funded ). The confirmation stated I would receive a bonus by XX/XX/XXXX. As of this writing no offer was received. 

I contacted BofA in early XXXX and was told to wait until XX/XX/XXXX, XXXX As of XX/XX/XXXX I have not received the bonus offer. During a follow up call on XX/XX/XXXX the representative was unable to locate the offer and I would have to wait up to sixty days for an investigation to be complete. Unacceptable. I have already waited sixty days from the date BofA said funds would be deposited.

Included is a copy of the statement showing funds deposited as required, a current statement, and the confirmation I qualified for offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry on XXXX  that caused a 6 point decrease. Upon checking on it I found that on XX/XX/XXXX Discovery Financial SVC attempted to pull my file. I called Discovery @ XXXX and spoke to 3 different class of service providers and none can find my info under my name, ss, or phone number. I have zero accounts according to their records. XXXX  will not dispute without 3 letters, one of which need to be from Discovery, who can not write me a letter due to they have never seen info on me, or a police report, or FTC. When reaching out to FTC it send me here. So what do I do now?
Product: Checking or savings account

I bank through Capital one. I always get my paycheck every wednesday, thursday morning at the latest. It is thusrday evening and i have yet to receive my paycheck. My boss confirmed it was sent, also my co workers all received their pay. My electric bill is past due and i can not pay my phone bill, which is due to be shut off tonight at midnight
Product: Credit reporting 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  : # 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 instructions 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 years.

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.
Product: Credit reporting or other personal consumer reports

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization. I did not obtain any goods, service, or money from transactions. Account : XXXX  XXXX Account # : XXXX, ACCOUNT : XXXX ACCOUNT # XXXX, ACCOUNT : XXXX XXXX ACCOUNT # : XXXX, ACCOUNT : XXXX ACCOUNT # XXXX, ACCOUNT : XXXXXXXX XXXX ACCOUNT # XXXX ACCOUNT : ( Original Creditor : XXXX  ) ACCOUNT # XXXX ACCOUNT : XXXX ACCOUNT # XXXX, ACCOUNT : XXXX ACCOUNT : XXXX, ACCOUNT : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT : XXXX XXXX ACCOUNT # XXXX
Product: Mortgage

This has been going on since the entire year of 2019 I would pay my mortgage the checks would be cashed but not applied to my account I have had to call PHH Ocwen Mortgage Company just so I can get my payments applied correctly I had to do all the legwork send them front and back copies of the checks if they can apply my payments correctly they're getting a bad mark on my credit report which I am trying to rebuild
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding the massive information breach at Equifax that was announced on XXXX XXXX, 2017. Equifax has mishandled my information which led to a myself and millions of other individuals to be at risk for identity theft. I was not notified about this breach by Equifax and found out through the social media platform XXXX. 

The 90 day fraud alert and 2 year identity protection that Equifax is offering in response to this is unacceptable. This breach puts my information within the reach of unauthorized parties for the rest of my life and for as long as my heirs are responsible for my finances. To only offer 2 year protection and expect me to pay for their mistakes is extremely wrong, especially when I have never chosen to do business with this company personally. I will likely also end up freezing my credit score as a safety precaution which will cost me {$5.00} per institution to unfreeze and another {$5.00} to re-freeze. I should not need to provide a police report to waive these fees when Equifax has proof they lost my information. 

This incident is the result of a gross misuse of private information and there need to be heavy penalties as a result.
Product: Debt collection

Merchants Credit Adjusters Inc Address : XXXX XXXX XXXX XXXX, XXXX, NE XXXX Phone : ( XXXX ) XXXX This company has been calling me after sending multiple notices to them to send debt validation. MCA has told me that they do not and will not send this information. We do not have any known account numbers with them. We do not have any knowledge of any outstanding debt. They are still calling even after sending multiple notices via Fax, Email and USPS. 
Letters sent by Us 1st Notice XX/XX/XXXX 2nd Notice XX/XX/XXXX 3rd Notice XX/XX/XXXX
Product: Checking or savings account

My savings and checkings accounts were closed because of a check deposited into my account that was addressed to another person for payment of work. 

I think the payor reported the checks as stolen because my accounts were closed and reported to XXXX XXXX for fraud. 

Bank of America didn't allow me access to any of my information or speak to me about the accounts to settle this dispute. 

The payee of the check, that I'm guessing was reported for fraud, used to have a joint account with me, and the bank has allowed the payee/and myself to deposit and withdraw funds, including checks. 

I was a consumer with this bank for a few years, with only minor issues such as low account balance, overdraftfees, debit card holds when I went over my daily spending amount I sent with Bank of America 's online services. 

My online access was also closed. 

My account information has sinced been released once to myself and it was because I brought a release of financial information form that my eligibility worker for the county social services requested be submitted for my assessment for county services. That was XX/XX/XXXX. 

My accounts had been closed XX/XX/XXXX and correspondence with the collection/ consumer reporting agency, XXXX XXXX , didn't begin until XX/XX/XXXX. And last communications with the company was XX/XX/XXXX with no resolution or correction to the information reported by Bank of America, and my personal information continues to be flagged for fraud with any financial institution that I attempt to earn credit, use/apply for services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off my letter requesting an investigation on XX/XX/2023 via certified mail. 

According to the FCRA the term Investigate consumer report means a consumer report or a portion thereof and which information on a consumers character, general reputation, personal characteristics, or mood of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

These accounts state different dates and amounts being reported and is not 100 % accurate. They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law? Also every piece of information on these accounts are still not reporting 100 % accurate as stated. According to the FRCA 15 USC 1681 everything has to be 100 % accurate or it must be deleted by law. Below are a list of inaccurate accounts containing inaccurate information. I am requesting these to be removed permanently from my credit reports ASAP. 

XXXX. XXXX XXXX ( original creditor ) / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Pa XXXX XXXX XXXXXXXX XXXXSame debt also reported on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX Acct # XXXX ( last 4 ) * Multiple inaccuracies reported on this collection file. 

XXXX. XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX
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 : XXXX 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, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FIN XXXX Balance : {$0.00}XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, Medical XXXX Balance : {$270.00}, Medical XXXX Balance : {$750.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to 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.