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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Owed : {$49000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX CO XXXX Balance Owed : {$300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get deleted immediately. 
CONSERVE ( Original Creditor : 07 XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX : {$220.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint because its been ignored by capital one and all three credit bureaus. 

My mother in law wanted to save me the aggravation of using my own credit cards when I pick up her groceries and medicine so she added me as an authorized user so that I can just put it on her card. 

Prior to her adding me she showed me that she paid her balance down because I did not want her credit card showing high usage as im due to settle on my house in a few days. 

Prior to her showing me her account was indeed under 30 % usage she made a payment but because of her age she forgets sometimes and paid with an account that was closed out. She did not mean to do that and I believe if you look through her account you can see she never had a returned check before in the past, Once we realized the check came back we immediately made another payment to bring the card back down under 30 % but within that same day you guys have already reported the account to the credit bureaus. 

We sent in a request to all three bureaus to update the new balance and we also requested this from capital one in which have all ignored us. 

I mean as a courtesy we are asking to understand her condition and why this occurred and also may delay or lose y house if this isn't corrected. Its been three weeks now and still no help.

Whomever receives this we ask that you can bless her by helping us out. 

Thanks in advance
Product: Mortgage

On Friday XXXX XXXX XXXX we had signed our closing papers with XXXX XXXX. On the papers, it said that they providing us with an interest rate that is 2.5 % BETTER than our current one, which is FALSE. And they are charging us {$3400.00} for it. They rate with them is actually MORE than the one we currently have. The man from the closing company told us just to sign these and let them know and they will edit the information, and probably just cut us a check for the difference. It would be fine because we have 3 days to back out. So we continued to sign the rest of the papers, and now NOBODY will get back to us from XXXX XXXX. I am getting VERY nervous and frustrated.
Product: Checking or savings account

At XXXX on XX/XX/year> I tried to withdraw cash using my XXXX debit card at a PNC ATM in a XXXX XXXX  ( Store # XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX ). When the screen read, card must be removed prior to cash dispensed, I did not remove my card in time. The ATM printed a receipt saying incomplete transaction, contact your financial institution. The money came out of my account but no cash ever came from the machine. 

I filed a dispute with XXXX, they eventually gave me a provisional credit after XXXX weeks, then XXXX weeks later PNC denied my claim, stating the following this transaction was processed correctly. This transaction was valid, the money was dispensed, and based on the ATM audit tape, we have concluded our investigation. I had XXXX appeal their decision, and they denied the appeal the same day. I told XXXX to ask PNC if their ATM balanced during their next cash count. I also asked them to ask PNC to explain how I could receive that receipt if the transaction was processed correctly. XXXX has not advocated on my behalf and even though I am still communicating with them trying to get them to help me, they took my {$400.00} back out of my account. 

I filed a police report since they are the only ones who can get surveillance footage from the XXXX XXXX, but have not heard anything from them nor do I expect to. They are understaffed and overworked. It doesnt seem to me that PNC investigated anything at all. I want to see the ATM records, I want to see the ATM video footage, and I want to speak with PNC directly but they won't speak to me directly I already tried. My only hope is getting surveillance footage from the store to prove my case.
Product: Credit card

i asked Specific details as to why I'm being denied credit when I have an XXXX credit score and they give me some XXXX  excuse. According to 15 USC, I can't be denied credit they shouldn't even be using the credit reporting agencies in order to provide me credit but nonetheless, they still do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax violated my rights also compromised my personal identity that stim from Equifax data breach. I been fighting fraudulent charges and disputing fraudulent accounts that's on my report for over XXXX year now. Come to find out it's because of Equifax data breach. I reached out to equifax sent them supporting documents My police report and my ftc report about the fraudulent accounts on my report. Equifax did nothing. Below is couple of accounts. XXXX already agreed that I am not responsible for the account and so did XXXX XXXX admitted it not my account also. Equifax ignored they decision and now equifax has caused me to get denied for a equity loan threw my credit union ATTENTION : EQUIFAX FRAUD DEPARTMENT CONFIRMATION # XXXX XXXX # XXXX XXXX CREDIT CARD CONFIRMATION # XXXX
Product: Payday loan, title loan, or personal loan

i have tried to contact these people for over week, and never could speak with anyone. 

i filed complaint the other with you'll and within a few hours someone cll and left me a message to call but of course it was after closing!!! 

i called today and spoke with someone and said i hadn't sent in the information they needed i said yes i had and gave here the dates and time i had. then she said oh let me check then came back and said we don't recognize that bank i said what do you mean, she said that they are not a real bank they don't have a brick and mortar store i said what do you mean the federal government recognizes them that where my Social Security goes and my pension and then hung up
Product: Debt collection

2 days ago my wife and i received phone calls from private number stating they have paperwork to deliver with lawsuits, then I received a notice in the mail from XXXX stating I owe XXXX from a debt that is over 14 years ago that was not even mine. It was a identity theft. I called the number on the bottom of the paperwork XXXX which is a robo number stating I could win a 100 dollar gift card to merchants like target. I did not speak with anyone. This is a scam company and please review the letter I have attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT VETS XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$380.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Debt collection

On XX/XX/XXXX I received an electronic notification from XXXX and XXXX credit reporting agencies that a collection account was added to my credit file on XX/XX/XXXX in the amount of {$1300.00} for Original Credit XXXX XXXX XXXX XXXX 

After further review I have never been notified of any medical debt by this company or any other company. I have always had insurance and paid any amount due by me. The following company added a collection debt to my credit file without notifying me first. 

Credit Management Company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

The debt says it was from back in XXXX. I have no idea. I need proof that this debt is mine and was submitted to my health insurance company the documentation to prove it was sent to my insurance provider and how much insurance provider paid if it was ever submitted.
Product: Payday loan

I had a line of credit and over draft protection with bank of the west. they say I owe them {$35000.00} and because you did n't pay we close it. I request from them and from the lawers for document for this loan and statement they only show that XXXX was transferred to my accunt on XXXX XXXX XXXX but on day before that I deposited {$25000.00} on my account by mistake they deposited to my personal account and 6 days later they withdrew that. I need my loan statement from XXXX XXXX to now.and explanation about {$21000.00} deposit the day befor and {$75000.00} day after .I think they madae amistake and then cover that from my line of credit.
Product: Mortgage

I acquired a simple interest 30 yr loan on my property in XXXX which charged daily interest. When I refinanced to a 15 yr loan in XXXX ( when I was XXXX ), I began making 2 payments per month but the balance has not gone down during the month which means I'm not being charged daily interest. I would like for Chase to refigure my balance using daily interest charges and giving me credit for the 10 years of 2 payments/month.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

. am writing to request information regarding the investigation conducted by TransUnion pursuant to my dispute regarding the accuracy of an account on my credit report. The specific account in question is as follows : Account Holder : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Under the provisions of 15 U.S. Code 1681i - Procedure in case of Disputed Accuracy, I am entitled to receive information about how TransUnion conducted its investigation into this disputed account 's accuracy. I submitted a dispute to TransUnion regarding the accuracy of the information related to the account mentioned above. 

I kindly request the following information : A detailed explanation of the investigation process undertaken by TransUnion, including the steps followed and the parties involved in the investigation. 

Copies of all correspondence, documentation, or records related to the investigation of the disputed account, including any communication with the data furnisher. 

Any documentation provided by XXXX XXXX XXXX XXXX XXXX during the investigation. 

The results of the investigation, including any changes made to my credit report as a result of the dispute. 

The date on which the investigation was completed. 

Please provide this information at your earliest convenience, as I believe it is essential for me to fully understand the investigation process and its outcome, as allowed by law. 

Furthermore, I kindly request that any relevant documentation related to this investigation be provided to the Consumer Financial Protection Bureau ( CFPB ) to ensure compliance with federal regulations. 

I appreciate your prompt attention to this matter and look forward to receiving the requested information within the timeframe specified by law. I have attached proof that this investigation was not done properly! 

Thank you for your assistance in this matter, and I expect this information within 14 days delivered in this portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending today my CFPB Complaint in contempt of my credit report I found out that there are some late accounts. I guess I have always made my payments on time. For some reason, I realized that there were late payment on my credit report and I do not believe I was late on the dates they are reporting. These accounts should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an accounts that has already been paid. These accounts should be corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/20, I received my credit report and realized that there is a charge on my Best Buy credit card issued by Citi Bank in the amount of {$870.00}. I immediately called the number on the back of my card and spoke to someone out of the country who couldn't explain anything to me. I advised the agent that there is a fraudulent purchase on my card. The agent stated that he will close my account and send a new card. I kept telling him I don't want a new card, I want these charges disputed and removed. The agent then continued to repeat himself so I had no other choice but to hang up. I am tired of calling oversees to speak with someone about this. I want these charges removed and my card closed. The lack of customer service scares me to ever use this card. I was not provided with a case number, time frame, next steps, or any kind of direction. I cant even log in online to see what was purchased and where so that I may begin to put blocks on all my other accounts. Please help me get this rectified before it ruins my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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: Consumer Loan

I was approached by Wells Fargo to take out a Credit Card and I was approved for {$5000.00} but only wanted about {$1000.00}, they told me not to worry that in 90-180 days they would have debt repayment or consolidation low interest special, so I accepted the higher credit limit. When I saw an advertisement about the low interest loan program in about 90 days later, I applied and my credit could not have changed that much, but was turned down. So, now I have been forced to pay off a high interest credit card, where I transferred debt expenses to and was given false, misleading, and deceptive information about. This is wrong and not right.
Product: Debt collection

LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Dear LVNV Funding LLC, I am writing to formally request validation for three separate collection entries on my credit report, all reported by your agency under the same original account. These entries are impacting my credit score, and I need clarity on why multiple entries exist for the same debt. 

Please provide verification for each account listed, including : 1. Proof that the debt belongs to me, including the original creditors name and contact information for each account.

2. A breakdown of the amounts owed, showing any interest, fees, or credits applied, and a full payment history.

3. Copies of any agreements or contracts that confirm I am obligated to pay this debt.

4. Documentation confirming LVNV Funding LLCs authority to collect on each instance of this debt. 

This letter is not an acknowledgment of the debt but a request for validation. If these accounts can not be verified as unique, I request the removal of all duplicate entries from my credit report and that you cease any further collection activity. 

Please respond within 30 days. If you are unable to validate these debts, I will also request that you contact the credit bureaus to remove any inaccurate or duplicate records. 

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

It says I was late or but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX  Account : XXXX XXXX  XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account : **** XXXX Account : XXXX XXXX XXXX XXXX  Account : XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account : XXXX THESE ACCOUNTS ARE INACCURATE AND NEEDS TO BE UPDATED/REMOVED IMMEDIATELY
Product: Money transfer, virtual currency, or money service

I have not been allowed to send or receive any money for over a year and am being treated like I am a criminal without basis. I was sending money to XXXX to my friend who is a widow and with child. I was sending money to my family in XXXX where I am originally from. Not a lot of money ; just enough to support her and her child in XXXX and my family in times of need. Then someone that is not a US citizen calls me from Western Union and asks me questions that I answered honestly and without hesitation only to be banned from sending and receiving any money from Western Union and XXXX forever. I do not believe non citizens should have this kind of control on US citizens. Kinda scary. I thought the ban would go away only to find out it is indefinite. I have heard from others who send money to XXXX that have had the same happen. I am where I am from. I should not have to cut ties from everyone I know because some foreigner thinks I am being a XXXX by sending a couple XXXX dollars that doesn't even buy dinner for a family in XXXX to starving people that can eat for a month. I would like my rights reinstated and taken off whatever list I am on because XXXX banned me the same time without reason.
Product: Credit card

I have been making on-time payments in good credit standing with Value city for over a year. 
Last month they re-ran my credit score and based off that, they lowered by credit limit, XXXX my score went down because I just purchased my home in XXXX 2015. My issue is since they did that it has negatively affected my credit score because now I am using 77 % of my credit limit since the limit was decreased, where before I was at 67 %. Credit limit greatly affects your credit score. Not only did this do nothing for me but create negativity to my credit score, I am still making on-time payments and a great customer. They do not care how they affect people and the great customers they have.