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

I am REWRITING to EQUIFAX to dispute inaccurate information on my credit report. 
My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/year>. The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Product: Debt collection

I NOTICE A DEBT NOT MINE AT ALL ON CREDIT REPORT> XXXX XXXX XXXX ACCT # XXXX MEMBER CODE : XXXX {$99.00} XX/XX/2019<>XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, Please see attached and below - I am unable to log into my account online. I have tried calling your phone number and you make it impossible to reach anyone with all your prompts that do not work. 

XXXX ) I want to be able to log into my TransUnion account online at XXXX  XXXX ) I want my TransUnion account to be a free account. 

XXXX ) I want full access to my account and be able to freeze or unfreeze it as I desire. 

As of right now - I am not able to login online. Please resolve as soon as possible. 

Attached are my drivers license, social security card, and address.
Product: Prepaid card

I am unable to access any of my money after an apparent " system upgrade ''. My payroll deposit is not posted, my prepaid debit card shows inactive on the site, and the amount listed available is a mysterious amount. No one in customer service is answering and it has been well over 24 hours. An email was sent stating the upgrade would be from XXXX Monday XXXX/XXXX/15 but I still can not access my funds.
Product: Student loan

I am currently out of school and I did not know he difference between loans, I got a loan from XXXX XXXX and I used it to pay bills, however years later I found out they were XXXX different loans and they can not be consolidated. I am unable to afford both loans on XXXX a year and I can no longer extend the private loans. I am a single mom and I am not sure what I can do for help?
Product: Mortgage

My variable interest loan is with Bank of America and I contacted them by phone to change it to a non-conforming product. XXXX XXXX was the agent I got and he sent me the attached offer on XX/XX/2018. He has not responded to multiple emails and voicemails. I also sent a message to the monitoring person from B of A who was copied on his email to me without response. Yesterday I called the Banks concierge line to find out if this person still worked for the bank and while I was on phone the concierge established contact with XXXX XXXX by message to inform him I was holding for him. He never came on and never called back even though I gave my number for the umpteenth time. 
I then called his boss and left a message - XXXX XXXX ( XXXX XXXX XXXX ) - no response. 
I have lost money by waiting. This is a XXXX dollar loan.
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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX 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: Money transfer, virtual currency, or money service

Coinbase case XXXX The amounts in question are as follows : XXXX  = XXXX XXXX XXXX  = XXXX XXXX XXXX XXXX Moving funds to cold wallet. First time no problem second time asked to take a picture holding copy of driving license. This transaction went through. Tried again was asked to to take picture holding driving license this transaction did not go through. 

Tried again different log on screen - your account is being closed please move your funds to cold wallet. I contacted Coinbase support they told me the account is under review. When I try to move funds am directed to Coinbase support again they tell me that the account is under review. 

XXXX XXXX Logged into account can not see balances contacted Coinbase support was told to try a number of steps which I tried however, I have done nothing different to what I was doing before so definitely the issue is not my end.
Product: Debt collection

Around XX/XX/2012 different companies under different names started calling my about a debt. Im not sure if it is a loan or credit card. My name is pretty common so I figured it was all a misunderstanding or identity theft. I tried to explain the company the person that owed them the money was not me. They kept calling repeatedly several times a day, they even harassed my partner and family to collect the debt. I even lost a job because of the derogatory mark on my credit report.
Product: Mortgage

Over then last several weeks I have spoken to several people including the president office that I no longer wish to have this establishment service the tax portion, homeowners insurance portion or flood insurance portion of my escrow account pursuit to the XXXX XXXX guidelines. I have repeatedly stated I do not wish to close the escrow account as I can not legally do so due to the property mortgage insurance must be paid into one. The escrow requirements are clearly stated an 4201.2 a, b, and c. Section 8201.1 ( b ) ( i ) further covers that the mentioned less then 80 % and and less then 2 years that the bank has used on denying my desire is not valid and therefore not legal. It has further been stated that this bank wishes to charge me and additional % .025 to not administer a service that I do not required by any laws I can locate. It is my belief this is extortion. I have a fixed interest rate and a contract not requiring this service. I want to pay the P.M.I. that can not exceed % .05 gross LTV although it appears is over. P.M.I. is a escrow service that as not only a escrow requirement but none I welcome!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were 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 is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXXXXXX Balance : {$9700.00}, XXXXXXXX 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX, XXXXXXXX XXXX  Account 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
Product: Consumer Loan

XX/XX/2015 I PURCHASED XXXX PIECES OF GRAIN LEATHER FURNITURE FROM CONN'S APPLIANCES dba CONN'S WHICH WAS DELIVERED XX/XX/2015 BUT IT WAS BLENDED LEATHER AND ALSO I WAS BILLED $XXXX FOR PERSONAL PROPERTY INSURANCE IN THE INSTALLMENT CONTRACT. I GAVE TO CONN'S COPIES OF MY HOMEOWNER INSURANCE POLICY DECLARATION PAGE PROVIDING $XXXX PERSONAL PROPERTY COVERAGE. I CONTACTED CONN'S AND INFORMED THEM OF THE DIFFERENCE IN THE FURNITURE QUALITY AND WAS TOLD BY THEM THERE ARE NO RETURNS OR EXCHANGES. THERE ARE NO STATEMENTS IN THEIR CONTRACT, SALES FLYERS, STORE FRONT OR WEB SITE TO THIS EFFECT. THEY ARE USING THE OLD "BAIT AND SWITCH" SCAM TO STEAL $XXXX FOR INFERIOR FURNITURE. THE ITEM HAD A SALES TAG ATTACHED DECLARING GRAIN LEATHER THAT WAS SWITCHED BY CONN'S TO BLENDED LEATHER
Product: Mortgage

Selene Finance did not apply payment that was made. Despite supplying numerous proof of payment, for 2 years they have not applied the payment.
Product: Debt collection

I am a victim of identity theft, Please remove all accounts and inquiries that, I have mentioned in this report they do not belong to me, therefore, needs to be remove those account per FCRA 605 ( B ) U.S.C. 15 as prescribed by the FTC FCRA. 

MACYS/DSNB Account number - XXXX Account status - Closed Date opened - XX/XX/2016 Account type - Charge Card
Product: Credit card or prepaid card

My credit card has offered promotional rates on balance transfers in the past, which I have taken advantage of. According to my XXXX 2017 statement under " interest charge calculation, '' I had a {$6000.00} balance at a promotional rate of 0.00 % through X/XX/17 and a {$4000.00} balance at a promotional rate of 1.90 % through XXXX/XXXX/XXXX. My purchases balance ( at 12.65 % ) was {$4.00}. In XX/XX/XXXX, I took advantage of a balance transfer offer on a different card and transferred {$2400.00} of this card 's balance out ( effective XX/XX/17 ). I also made payments of {$98.00} and {$930.00} on XX/XX/17 and XX/XX/17, respectively. As I understand it, credit card companies are supposed to apply payment to the balance with the highest rate first now. When I received my XX/XX/XXXX statement, the promotional rate of 0.00 % applicable to the {$6000.00} balance had been changed, without my request, to XX/XX/17. Almost all of my payments/transfers out had been applied to the {$4000.00} balance ( at the 1.90 % promotional rate through the end of the year. ) I do n't think it 's right for them to manipulate my promotional rates, even by extension, in an attempt to force me into paying more interest. As it now stands, I will be paying 12.65 % on the entire {$6000.00} balance starting in XX/XX/XXXX. This amount should be closer to {$2600.00}. I believe what USAA has done here is fraudulent, and they could be doing this to a lot of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX  XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have three different collections concerning a debt by this company and I have no idea who this firm or where this debt is from.
Product: Credit reporting or other personal consumer reports

" I am writing to report unauthorized hard inquiries on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair reporting of my credit history. These unauthorized inquiries negatively impact my credit score and financial reputation. I request an immediate investigation and removal of these inquiries as per the FCRA 's provisions for addressing inaccuracies in credit reports. '' 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
Product: Credit card or prepaid card

I received a letter from Chase dated XX/XX/2019 informing me they were closing three of my credit card accounts. I was traveling at the time this letter arrived at my home and first learned about the cancellations when a business did not accept one of my credit cards for payment. When I called Chase at that time, all they could tell me was " read the letter we sent you, we can not provide any other information to you ''. 
When I got home, the only reason for the cancellations stated in Chase 's letter was " our affiliate is ending their banking relationship with you '' ... I never understood what this means since I don't know what " affiliate '' they are referring to. 
Since I had no luck getting information from their Customer Service call center, I sent secure email messages on the Chase website to see if this would help answer my questions ( one of the customer service phone reps recommended this ). After a few Chase email replies suggesting to call customer service, and not getting any responses there, I realized I wasn't getting anywhere. The company switched from " you must talk to someone on the phone to get this information '' to " we can only answer you in a secure email '' and back again. 
I have a credit score of about 800 and have always paid my bills ( over $ XXXX/mo ) on time for several years. I am concerned that they have canceled my account because I have just recently become XXXX years old or some other unfair/unlawful reason and don't want to share this information with me. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

INSTITUTIONS MADE INQUIRIES WITH FRAUDLENT INFO/IDENTITY THEFT INFO AND OPENED ACCOUNTS W/OUT MY PERMISSION/CONSENT
Product: Debt collection

I requested information on XX/XX/2023, XX/XX/2023, and again today after receiving a second call since my first request. 

I have received nothing from them, and this latest call they claimed that they had received no request from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no means of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Fraud : XX/XX/XXXX to XX/XX/XXXX at least 10 filings with docs to validate request to remove duplicate report 2 Equifax finally fixes after CFPB Complaint and reports fixed onXX/XX/XXXX. 3 Equifax then returns to the duplicate mortgage report ONE WEEK AFTER FIXING XX/XX/XXXX. DECEPTIVE. FRAUDULENT. AGAINST FCRA. FTC, AND CFPB REGULATIONS. ONE WEEK THEN LIED.
Product: Credit card

I went to the XXXXuracao store to open a credit they say they have a balance since 2008 of more than XXXX XXXX dollars when the credit that was taken was for XXXX try to reach an agreement with them they want Page everything is extremely exaggerated what they are charging interest they don't want to give me more information if I don't carry a letter signed by a notary
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federally protected consumer. I am now opted-out of any and all authorization I the consumer may have given you ( written, unwritten, verbal and nonverbal ) per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$1000.00} i never did business with this company, i am not responsible for this debt
Product: Credit card or prepaid card

On XX/XX/2023 I noticed a {$29.00} late fee on my Citizens Bank credit card. My bill was due XX/XX/2023. I set up automatic payment with my paying financial institution ( XXXX XXXX ) to pay the bill by XX/XX/2023. XXXX reflected they sent the payment on XX/XX/2023 and was received by Citizens Bank on XX/XX/2023. I called Citizens Bank to inquire about the late fee, was told the late fee would be removed since the payment should reflect on my account within a few days. No other fees were mentioned by the agent. On XX/XX/2023 I noticed the full amount owed was reflected on my account, the late fee removed but now showed a {$320.00} interest charge. I made contact with Citizens Bank inquiring about the interest and asked for the interest to be removed since the bill was paid prior to the due date. The agents insisted that the payment was not received by the due date, that it was received on XX/XX/2023, would not remove the interest fee and recommended I contact XXXX to have them pay the interest fee. I recontacted XXXX and was told again that the payment was sent well in advance ( XX/XX/2023 ) and received by Citizens Bank by the date I requested ( XX/XX/2023 ). I recontacted Citizens Bank and was now told the amount of {$150.00} could be removed from the interest fees but that was the maximum they could offer. I said I would take that but that I was still going to contact CFPB because I made the proper plans to have the bill paid by the due date. At the time I am submitting this complaint, I have not received the {$150.00} reduction on the interest that Citizens Bank stated they would do.
Product: Vehicle loan or lease

Accepted a loan from Southern Auto Finance Co in XX/XX/XXXXXX/XX/XXXX I noticed discrepancies with my balance when I began to double/triple my minimum paymentXX/XX/XXXX the company admitted the mistake and reversed my payments and applied them to principal as intendedXX/XX/XXXX-XX/XX/XXXX no issues noticed, will have to go back over my records to re-verifyXX/XX/XXXX payment for double the minimum is made and is split by the company and applied going forwardXX/XX/XXXX a payment for triple the minimum is made and is again broken up and applied to future monthsThey were contacted today XX/XX/XXXX because I was going to make my final payment and close out the loan but noticed only XXXX were applied to my principal in XX/XX/XXXX (my statements are not available online so I will have to wait on them to respond to my request for an amortization table)I believe they are undertaking this practice to extend the length of the loan and squeeze more interest payment from consumers. My payment history and pattern is directly opposed to their profit motive because I will be finished with my loan almost 4yrs early. I would like my payments applied to principal and interest on the timeline I dictate not what is most convenient and profitable for them. I believe I am being penalized for paying off my loan early.
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 15 USC 1681 section 602a States I have a right to privacy 15 USC 1681 section 604a section 2 States a consumer reporting agency can not furnish an account without my written consent 15 USC 1681 c sections a 5 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 USC 1681 s-2 sections A1 A person shall not furnish any information related 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, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2019, XXXXXXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX/ILENDINGDIRECT/IFLEE add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaints I submitted dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023 were closed immediately and were marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.