23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Twice I have applied for credit cards with companies attached to citibank. Best buy and home depot. 

Them approve me for the credit card then i go to use it and its denied. I call the company they say we cant verify your information like phone number address etc. And its the same i applied with. 

Its quite infuriating and i feel like im being harrassed. They say i have to wait for a letter in the mail then call them back. Ive been waiting for a letter now for 4 months. and every time i call them they tell me the same thing. 

I believe citibank is just getting peoples info for what ever reason for no reason apparently.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX
Product: Credit reporting

An account listed as XXXX on my credit report is extremely old and I have attempted to dispute that it because it is well past 7 years old and is not supposed to be reported to my credit file any longer because there has been absolutely no activity since XXXX 2008. I have disputed its acuracy and I have asked for it to be removed with certified mail various times. This account has kept my credit down and is affecting me very negatoivey. I have not recieved any adequate repsonse from Transunion and they keep sending me generic answers and do not verify the facts that I am expressing to them. Pkease, investogate this fro me. This account is devasttaing my life and is not legally allowed to be on my file anymore. Why are they keeping it on my file illegally? They have not verifed the dates that I have asked them to correct in order to see that this account has had no activuty n over 7 years. Please help me, someone. I have no options left.
Product: Checking or savings account

On XX/XX/2023 I contacted my bank to dispute fraudulent ATM withdrawals as soon as I soon as I received info from my employer I had been paid to a card I didnt have on file.It went to my old address. When they got on the phone I asked can you please block my card. As I was on the phone with them my account was being drained. They claimed to lock my card as I was on the phone and it still got drained for {$900.00}. I relocated to XXXX in XX/XX/2023. I explained to the bank I did not receive nor set up the card. The transactions were On XX/XX/2023 amount {$300.00} XX/XX/2023 amount {$300.00} XX/XX/2023 {$300.00} And on XX/XX/2023 {$300.00}. On XX/XX/2023 I called the bank and they told me they closed account and that they were not going to give my money back. They should have pulled videos or something more.
Product: Debt collection

I closed my electric bill in 2020 when I lost my home and is homeless now since 2020. XXXX has put an amount for XXXX on my credit report XXXX years after I have been homeless and still is Homeless. I have a XXXX XXXX and no home to use electricity. XXXX sold my information to Transworld System Inc.
Product: Checking or savings account

Reference CFPB Case XXXX Hi team, I appreciate the support here. However, CapitalOne did not resolve this issue, and the answer has incorrect information about what happened. To clarify it : First, the answer given by XXXX XXXX stated : " Our records confirm, on XXXX XXXX, 2017, you contacted us to close your savings account ending in XXXX. We confirmed that the remaining funds from your savings account of {$2200.00} were mailed to the above address on XXXX XXXX, 2017 ''. That is NOT CORRECT! They never sent it to my current address. NEVER! Secondly, the total amount stated in their formal answer is not the CORRECT amount. The correct number is a total of {$2300.00} Details Checking - {$110.00} Savings - {$2200.00} I did call them and they confirmed by their support, they have made a mistake sending this check the WRONG ( old ) address. This confirmation is registered in this " Security Number '' XXXX. Now the bank is requesting me to sign an AFFIDAVIT letter? I have bills to pay, and I 'm not PAYING it because this mess caused by them. When I requested to close my account, I was there in person with my Florida driver license in hands for address confirmation, and that was handled in person by their own personal. Please, I need to keep this complaint open, since this is not addressed yet. Thank you very much. XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I tried to dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX off of my Consumer report. XXXX, Equifax both replied back as verfied accounts. Both companies have violated 15 USC 1681i 15 USC 1681e ( b ), 15 USC 1681 ( g ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my dispute letters over 30 days ago the company has failed to respond. I did not give consent for these inaccurate items to be placed on my credit report. 15 USC 1681 A-K i have submitted my ftc report and company has failed to knowledge it this violation of action of section 605 b FCRA. I have attached my SSC & ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Report : XXXX****-Balance {$240.00}
Product: Credit reporting

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX National Credit Card Cos. 
XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Complete Dept. Stores XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financin Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with Transunion and XXXX for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please I’m looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a right I have under the Fair Credit Reporting Act, I 've been writing Experian who is reporting a false debts on my credit report that is severely affecting my credit worthiness. I have written them on ( XXXX ) Different occasions over the span of ( 3 ) months asking them to Validate the Debt as required by law and being that they remain on my credit report without Validation and not providing me with my requested Signed Document or Contract they are in violation of 15 U.S.C. 1681. Furthermore, they have ignored my request to provided me with the documents that they have in their files that they used to verify the disputed accounts which means they have NOT Validate or can not validate any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The accounts being reported by them in question are : - XXXX : {$21000.00}. Again the law states that the burden of proof is on them, I ca n't possibly provide information on accounts I have no knowledge of and they are violating my rights and effecting my life by falsely reporting this information.
Attached are my communication attempts ( letters and Certified Mail Receipts over a 3 month period ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. COMENITYCAPITAL/XXXX ( Opened XXXX. XXXX, 2018 ) Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA COMENITYCAPITAL/XXXX  has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Money transfer, virtual currency, or money service

Ok so on XX/XX/XXXX my current debit was charged a XXXX dollars that I did not authorize and the charge was from cashapp I showed them the transaction and I was told there was nothing they could do and to consider my claim closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been several months now I have been in consistent contact with Transunion consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from Transunion. Transunion has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. Transunion has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a consumer my rights have an continued to be violated and Transunion should be held accountability. Transunion has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and Transunion is liable.
Product: Debt collection

I've noticed two unfamiliar accounts on my credit report in XXXX XXXX : XXXX XXXX  for {$850.00} Jefferson Capital system for {$1000.00} These are fraudulent Please investigate and remove these items from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX  XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the listed items that are 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 not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Bank account or service

Someone took {$89.00} out of my account and I have n't used my card since XXXX XXXX
Product: Credit card or prepaid card

I made my payment to my cap1 Walmart credit card instore on the XXXX of XXXX when it was due. I have a reciete showing the date on it. When I called cap1 on XXXX the manager said I must not of made it by cut off and quoted me times for online or over the phone payments. No place on my statement does it say how in-store payments will be processed. I received a {$39.00} late fee for making my payment on time! They should stop taking pymts instore if there is a cut off. 
XXXX was so much better of a company to work with.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian regarding their failure to respond appropriately to my dispute regarding inaccuracies on my credit report. 

On XX/XX/XXXX, I mailed a dispute letter to Experian via USPS certified mail ( tracking number : XXXX ), requesting an investigation into several inaccuracies on my credit report. The disputed items include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I disputed the following incorrect personal information listed on my credit report : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX. 

I included a copy of my photo ID, social security card, and a recent bill with my current address to assist Experian in verifying my identity and address. 

On XX/XX/XXXX, I received a response from Experian via email stating that they received my request but did not take any action on it because it did not appear to have been sent directly by me or authorized by me. 

It is my understanding, as per the Fair Credit Reporting Act ( FCRA ), that if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Experian 's failure to conduct a reasonable investigation upon receipt of my dispute is a violation of my consumer rights under the FCRA. 

Enclosed with this letter, please find a copy of my dispute letter sent to Experian, along with proof of USPS certified mail delivery, and Experians response via email.
Product: Debt collection

I am a victim of identity theft. Due to the XXXX Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Mortgage

The representative I spoke with from Planet Home Lending was unable to explain why their online portal was not allowing me to schedule a payment from XXXX on a due date of XXXX, considered late on XX/XX/year> for an account in good standing ( NOT late ). Furthermore, I can't even look at payment dates in XXXX, as their system will not allow it. I've experienced other restrictive practices surrounding their payment portal/process, but this one is ridiculous.
Product: Mortgage

MY STATE RIGHTS ARE BEING VIOLATED. I AM BEING OVERCHARGED ILLEGALLY. 

When closing the refinance in XX/XX/XXXX with the same company I had a mortgage since I 1st bought the house, I gave the closer a the originals from the state of WASHINGTON that I am a XXXX individual. 

It is XX/XX/XXXX. I have mailed by regular mail copies of the XXXX status, I have uploaded SEVERAL times to their upload option in the Contact US link ( which was re-suggested I use by the company just a week ago ). 

I have been overpaying and even struggling to meet the excessive payment. The 'released ' a 1st escrow payment, but I receive no refund from this company either. 

I called last week. The agent said she doesnt see any copy in the system ( whether the one I gave the colser, the one I sent by mail or the several I sent online ). The escrow rep told me to re-uploaded. I did last week. NOTHINHG changed. 

I wrote again yesterday to their non-functioning-Contact-US ( a problem I have had complaint about this company here before, they gave the impression that they upgraded and improved their online services, BUT THAT IS BULL!! ) I told them to contact me in 24 hrs. Of course, NOTHING happened. 

So, here I am, 1 step away from suing. I demand that they follow the law, adjust my bill, and/or give me a refund! Im being robbed here! My rights as XXXX veteran are more than violated. I did my due diligence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX 


Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute the following information on my credit report. I have reviewed my credit report and found inaccurate information that I would like to have corrected. Below are the details of the disputed item : - **Account Name : ** XXXX XXXX  - **Account Number : ** XXXX - **Disputed Information : ** Disputed Information : Account Name : XXXX XXXX  Account XXXX XXXX Information : This account appears on my credit report, but I did not open this account. I have never applied for or used any credit account with XXXX XXXX. Reason for Dispute : This account is fraudulent and was opened without my knowledge or consent. I am a victim of identity theft, and this account does not belong to me. 
- **Reason for Dispute : **I am disputing the XXXX account listed on my credit report because I did not open this account. I have never applied for or used any credit account with XXXX XXXX. This account was opened fraudulently without my knowledge or consent. I am a victim of identity theft, and this account does not belong to me. I request that this account be removed from my credit report immediately to reflect accurate information. 

I have enclosed copies of [ describe any enclosed documents, such as a copy of your credit report with the disputed item circled, payment records, or other supporting documentation ] to support my dispute. Please investigate this matter and correct the inaccurate information as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

Account status on this account showing open on XXXX but the account been paid and closed. Still showing open on my credit report and late payments
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX