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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request Dear Sir or Madam : I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
Accounts : Account numbers : OPEN DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a XXXX XXXX XXXX so I do not need Equifax to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self attestation to you Equifax. 
Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the complaint that was sent to LexisNexis : Dear LexisNexis : I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information must be reported correctly or else it must be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed in, and I know that they did not provide you with this information as they explicitly stated that they don & # 39 ; t report information to anyone. 

My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed this bankruptcy from your system. 
As a consumer, the first violation is 15 USC 1681 ( a ) ( 4 ) - consumer rights to privacy.

You infringed upon my consumers right to privacy by obtaining this erroneous information and selling it for profit. The second violation that I notice is 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction. Upon the many other violations, I would like to give you the opportunity to fix this situation by removing this bankruptcy from your system within 15 days. 
Failure to respond or do the right thing ( i.e. Removal ) will result in a complaint to the CFPB, FTC as well XXXX. I do know my rights and youre violating them with this inaccurate information your company is reporting. 
Thank you, XXXX XXXX Without Prejudice
Product: Credit card or prepaid card

there refusing to let me speak to the underwriter i asked for an increase since this is my longest account opened they only raised me to XXXX when they gave my wife XXXX who has no credit and i always pay in full on time and i want my limit to be at lease XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and have found that the accounts listed in the attached document are extremely inaccurate. A consumer reporting agency must reinvestigate the disputed information " within a reasonable period of time '' and " promptly delete '' credit information that has been found to be inaccurate or unverifiable. 15 U.S.C. 1681i ( a ).
Product: Credit reporting or other personal consumer reports

I am writing to address the inaccurate reporting of the account XXXX XXXX XXXX XXXX on my credit report. This account is currently listed as CollectionOrChargeOff, with an opening date of XXXX, a last activity date of XXXX, and was last verified on XXXX. This inaccurate information is obstructing my ability to secure necessary financing and favorable loan conditions. As outlined in XXXX U.S.C. XXXX ( a ), it is imperative that credit reporting agencies maintain accurate and timely information on consumers. I request that you provide all supporting documentation used to verify this accounts accuracy, along with proof of the alleged {$2500.00}, which I dispute. The legal precedent set by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) emphasized the need for a detailed investigation into disputed items. Similarly, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) clarified that agencies can not merely rely on creditor-provided information without conducting their own verificationIt shows dates XXXX and XXXX. This error is affecting my financing opportunities. Under XXXX U.S.C. XXXX, you are required to provide accurate information. I request the deletion of this account and proof of the XXXX XXXXThe data for this account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are hard inquiries on my credit reports. I don't recognize or recall authorizing these inquiries. 

Experian : - XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit reporting act XXXX account # XXXX ( XXXX XXXX ) ( three accounts ) XXXX XXXX XXXX  also has violated my rights They have also violated my rights by having 152 inquiries on my credit report without my written instructions 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 I also have disputed all this information about three times due to my identity being stolen and someone opening up accounts in my name and applying for accounts and services
Product: Credit card or prepaid card

My debit card was used for several unauthorized transactions. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Have contacted Citizens Bank regarding a denial of my fraud claim. There is NO ONE to talk to, people keep passing the buck and saying, oh, someone will call you in 2 days. And no one does. The Fraud office is closed and all we get is the someone will call you in 2 days. 
The bank is stealing from me, and it's my suspicion that all fraud claims are initially denied, thereby allowing the bank to collect more interest. I'm XXXX, live on Social Security and {$440.00} is a lot of money to me!
Product: Credit reporting or other personal consumer reports

Im filing this complaint against Equifax, Equifax had a massive data breach unfortunately I was one of that consumers that had my information leaked severely, my information on my credit report is missing, car loan from XXXX XXXX XXXX XXXXXXXX, credit cards from XXXX XXXX XXXX, credit card from XXXX XXXX XXXX XXXX, and my personal loan, yall need to fix my report nothing is showing up its like my information has been hacked, and yall have drop my social security number and all my personal information, Im getting severely frustrated because of the scam calls and text and emails, yall have caused damage to my credit report and my personal life, I can not access my report or see anything its all gone, yall have exposed my information so bad Im constantly getting harassed by scammers, and I have blocked so many, settle this before I hire a private attorney, yall have caused me identity theft not just this time other times I gave two accounts in my XXXX because of yalls failure to protect my information now please fix this and settle this do not ignore my complaint or problem resolved immediately. 

I cant even login its like my credit file has been hacked. And my information has been stolen please resolve i have accounts showing over XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Basically I applied for a personal loan and my information was shared with unidentified parties. I started receiving phone calls and emails which I was skeptical about the emails. When I received the phone call the guy on the phone sounded like he knew my information already and said I was approved for the loan. He then sent me an email with a contract attached and asked me to respond to the email stating I agree with the terms. I know usually you have to sign the document but it was already to late because I sent my license and social security photos along with an i-9n Document to prove my identity for the loan. At this point I don't know what they plan to do but I want to make sure I protect my information.
Product: Debt collection

I went to doctors and XXXX paid the hospital but not the doctor the hospital never sent over the information for the doctor to get paid. This shouldnt be on my credit and the bill should have been paid but since they never got my insurance information its on my credit. I kept saying that I have insurance eventually I told them to stop calling
Product: Money transfer, virtual currency, or money service

Received notification of a password change on my PayPal account, which I did not do. 
Within 2 minutes, changed the account password. 
Checked account and saw a {$1000.00} transfer was initiated to fund the PayPal account from my personal XXXX XXXX account ( PayPal transaction ID XXXX ). I did not initiate this transfer. 
Went to the online PayPal resolution center to dispute/block the transaction. Got the following message : " We're unable to file a case on this transaction. Since this is money youve received, you'll need to contact the sender directly to resolve your issue. '' Called their customer service number but was informed the offices are closed. 

Sent an email informing them under Regulation E ( 12 C.F.R. 1005.11 ) that they have been notified I am disputing the transfer, it was not authorized and should be blocked. 

I wish to complain that not only has PayPal made the issue resolution difficult for this transaction, this is a pattern of behavior with PayPal. Just a few years ago, they signed me up for a credit card I did not request and refused to take in the dispute case.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX Account number XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Hello XXXX XXXX XXXX XXXX, This is XXXX XXXX and this is to inform XXXX XXXX XXXX XXXX that they are reporting inaccurately and I will explain and supply supporting documents to support my claim and I will and am needing an urgent resolution to this issue as this issue has caused a bunch of stress on me! On XX/XX/2020 I received a call from a representative asking for payment in the amount of {$1800.00}. On XX/XX/2020 I made the payment which after the payment was satisfied I received an email from XXXX XXXX XXXX XXXX as a confirmation that on XX/XX/2020 the payment in the amount of {$1800.00} was taken care of which brought the balance to {$0.00}. I logged in to my credit file and I saw that XXXX XXXX XXXX XXXX is reporting XX/XX/2020 and XX/XX/2020 late which is not accurate. I made the payment on XX/XX/2020 I am not late. I even was given an email confirmation which I will attach along with this letter. This is an error on behalf of XXXX and this must be rectified and resolved because this invalid information that XXXX is reporting on my credit files ( Transunion, XXXX, XXXX, etc ) is inaccurate. I have proof I made payments on time. This must be resolved immediately please. Please reply ASAP. This needs an urgent resolution. I will also be reporting this concern to the CA Attorney Generals Office and with the CFPB along with mail a copy to the address that I was provided by XXXX XXXX agent ID XXXX  ) which is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX. Please fix this issue and send me a letter confirming this has been fixed and resolved. Thank you in advance for all the help. 




XXXX
Product: Credit card

Questions prior to this incident isn't related to my incident it's only regarding my two credit cards from Bank of America. 
I have been a Preferred card holder since 2022. With a checking, savings, and two credit cards. One of my credit cards had a limit of {$18000.00} and the other is {$15000.00}. About three weeks ago I made two different transfers slit account half and half to transfer my other high interest credit cards.

Which would of left me still a good credit available on each card. Less than a week ago I noticed on my online account that they slashed and took away and lowered my credit limit very much leaving me with a {$200.00} on one card and {$300.00} on another. My history with my two credit cards was absolutely perfect never late and payed on my credit cards on time never had a problem with them until I made a few transfers on both credit cards.

It's very obvious since l had these two credit cards all these years they never lowered my credit limit now that I used my credit cards they lowered my credit line to really nothing.

It's really a disgrace how they have treated a very valuable customer. They have left me with nothing really left on my both credit cards.

This is absolutely wrong to do this and there was reason for them to do this when my two credit cards were in perfect history and payment history.

At this point I plan on closing all my accounts with Bank of America and take my business elsewhere.
Product: Credit card or prepaid card

I called Wells Fargo to close a credit card last fall. I used to have a checking account with them and would periodically sign into my account but have since closed that. I only just discovered through a credit reporting agency, however, that the card was still open and that I was assessed an annual fee in XXXX and then late fees every month thereafter until XXXX. I have not used the card in years, and thought it was closed. I just called to ask if the card had been closed, and in any case if I could be refunded the annual fee and the late fees. I was given a roundabout answer and transferred to a few offices, and none of the representatives I spoke with could clarify what the process for " investigating '' the card 's status would be.
Product: Student loan

I submitted documents for PSLF application on XX/XX/XXXX. I have waited patiently, called multiple times- XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 with no progress. I have met all of the requirements for the Pslf program and just can not get Fedloan to respond appropriately or tell me what they need in order to process my application. I have waited XXXX months when many others have waited much less.
Product: Mortgage

I am writing in regard to the mortgage on my property at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. Mortgage Loan Number : XXXX. 

My Mortgage servicer, NewRez LLC, did not properly credit the payment that I made on XX/XX/2022 in the amount of {$97000.00}. This payment was equal to the payoff amount the company quoted me through their website that same day and should have paid off the loan in full. Apparently, since the payment through the online payment portal, and did not follow NewRez 's " protocol '' for paying off the loan, the payment was not credited as a payoff. I phoned their customer service number three times explaining that the payment was meant as a payoff and to correct the error before writing and sending them the attached notice of error. I have not received a response to my letter as of today. I have called their customer service line twice more since then as the problem is not resolved and no one from the company has reached out to me. Each time I called, I was assured by their customer service representative that the error would be corrected and the loan would be paid off in full. As of today, this error has not been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX has incorrectly marked the above account as a charge-off with Experian, and possibly with XXXX and XXXX. 

The facts are as follows. XXXX was my electricity provider at XXXX XXXX XXXX, XXXX MA XXXX. I sold that property on XX/XX/XXXX. XXXX records will show that responsibility for that account shifted to XXXX and XXXX XXXX. Our family moved into a rental house where the owner retains responsible for the utilities. 

XXXX was told about this at the time the account was closed, and that my new rental address would be XXXX XXXX XXXX, XXXX XXXX MA XXXX. 

Nevertheless, XXXX sent the final bill to my old address. I had a mail forwarding instruction with the post office in XXXXXXXX XXXX. Despite that, the bill was never forwarded and presumably returned to XXXX. The utility took no further action. 

I first heard about this bill when an email alert showed up from XXXX XXXX credit tracking system. I logged into the Experian account to find out that XXXX had placed a derogatory remark against my credit which would remain for 7 years. 

Having become aware of the bill, I contacted XXXX, and its CSR confirmed that the bill had been sent to the wrong address. She was also apparently aware of my new address and asked me to confirm it, which I did. I asked her to remove the derogatory remark from Experian and other bureaus, if applicable, since I intended to pay off the bill online later that day ( which I did ). The CSR gave me a number in CT to contact XXXX XXXX. When I called that number, the security guard informed me that there were no employees in the building on account of Covid. 

A copy of the account having a XXXX  balance is attached. Yet, my Experian account incorrectly marks it as a charge-off. Further, the derogatory remark on the account will stay in my record till XXXX. I have contacted XXXX by telephone 3 times and haven't found anyone to speak to other than a customer service representative who has been unable to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$5000.00} or reporting ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) The original creditor on this account is XXXX  XXXX  XXXX  XXXX. XXXX sold this account to XXXX  and XXXX  has illegally been charging additional interest on this account. I have attached pages ( 1 ) and ( 2 ) of the Installment Loan Agreement for reference. Please note on page ( 1 ) the annual percentage rate being charged is 197.17 % ; on page ( 2 ) in the Promise to Pay section the interest rate being calculated is 200.00 % per year. First, these interest rates CLEARLY are illegal as they exceed the limit of what California could ever charge on a loan ; Second, this is PREDATORY LENDING to say the least ; and Third, Pursuant to California Assembly Bill 539 - - this Bill ends a decades-long practice of charging borrowers who take out loans between {$2500.00} and {$10000.00} with interest that can exceed 200 percent. The rate will now be capped at the nationally recommended 36 percent, whats considered a compromise between lenders and consumer advocates. This account needs to report a {$0.00} balance. There is no outstanding balance due and nothing to collect and/or chargeoff. It is also a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to update this account however, I have not been successful.