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

In accordance with the Fair Credit Reporting act 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. states a Consumer reporting agency can not furnish a account without my written instruction. BELOW is all the accounts I need removed please ALSO please remove ALL HARD inquires XXXX 1.XXXX XXXX XXXX Finance ) XX/XX/XXXX 2.XXXX XXXX ( Finance XXXX XX/XX/XXXX 3.XXXX XXXX ( Finance ) XX/XX/XXXX 4.XXXX XXXX ( Finance ) XX/XX/XXXX 5.XXXX XXXX ( Finance ) XX/XX/XXXX 6.XXXX XXXX XXXX ) XX/XX/XXXX 7.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX ) XX/XX/XXXX EQUIFAX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX, XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS TO BE REMOVED EQUIFAX 1. XXXX XXXX Last reported XX/XX/XXXX {$4200.00} Open balance XXXX XXXX XXXX Opened XX/XX/XXXX ( 2 yrs, 11 mos ) 2. XXXX XXXX Last reported XX/XX/XXXX {$670.00} Open balance XXXX XXXX XXXX Opened Account status XX/XX/XXXX ( 2 yrs, 11 mos ) 3. XXXX XXXX  XXXX Last reported XX/XX/XXXX {$500.00} Open balance XXXX XXXX XXXX Opened Account status XX/XX/XXXX ( 7 mos )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX XXXX ( 01 XXXX XXXX XXXX XXXX ) and XXXX both multiple letters of verification. I've requested both XXXX XXXX ( 01 XXXX XXXX XXXX XXXX ) and XXXX to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just share with you our current situation. We were under " no visa '' status for the last 6 months due to immigration status and pending XXXX. We have not had any incoming source at all. Nobody contacted me before this decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made several phone calls to Equifax on XX/XX/XXXX and XX/XX/XXXX to resolve an issue that has prevented me from increasing my credit limit with a creditor. There is an alleged freeze on my account ; I spoke with at least 4 Equifax representatives and they have not provided a resolution. Additionally, there is an error code ( NH ) that occurs when I attempt to create an account on www.equifax.com. An Equifax representative sent me an email on XX/XX/XXXX at XXXX EST that says the issue has been resolved ; however, it has not. As of XX/XX/XXXX, I still can not create an Equifax account and I still can not increase my credit limit with my creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2900.00}
Product: Mortgage

I have a mortgage with Rocket Mortgage. On my online mortgage payment dashboard there is an 'estimated home value ' and 'use my equity ' button. Rocket Mortgage provided an estimated value of my home at {$270000.00} and the option to get {$63000.00} of cash out of my home with a cash-out refinance. These figures induced me to click and pursue a refinancing of my home loan knowing there was more diligence and appraisal work to be done. I supplied the necessary income documents and credit check. The third-party appraisal stated the home value was {$230000.00}. No problem so far. Based on the appraisal, Rocket Mortgage re-quoted me the cash-out refinance option but now included {$2000.00} in new lender origination fees that they explained I must now pay because the home appraised lower than I stated in the application. Problem here is my application was populated using the data Rocket Mortgage provided and confirmed by their mortgage banker. 

My problem with this is Rocket Mortgage induced me to go through the application and credit check process only to reveal an error on their side and they then charged me fees for their mistake. As a consumer, this bait-and-switch and inducement by Rocket Mortgage is cause for concern. Other consumers should be aware of this and not trust the current financial product marketing practices used by Rocket Mortgage.
Product: Checking or savings account

I opened an account with XXXX XXXX I made a mobile deposit and now my account is restricted I was told by a representative to walk in the bank and to verify myself I walked into the branch and an employee told me to come back they see where I uploaded my documents and it should take up to 3 to 5 business days this is the 6th business day Im being disrespected By representatives I am being told they cant tell me anything even when I walk in to the branch I want access to my account where I could invest my funds and also carry on with my daily living expenses My Mortgage its almost behind I did everything that XXXX XXXX has asked me to do in speaking to a representative on the phone and from the representative telling me to walk into the bank Im getting ran around in circles can someone please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company and the credit bureau about this account. This account was opened back in XXXX  and it has reached the statue of limitations for a closed account.
Product: Debt collection

Futhermore, I am asserting my rights under 15 u.s.c. 1681s-2 ( b ) which mandates that inaccurate, incomplete, or unverffiabe accounts be deleted from the consumer 's credit report after an investigation. I expect confirmation of deletion with 30 days, as per federal law. 

Please send me an update copy of my credit report reflecting the removal of this account if this matter is not resolved in a timely manner, I am prepared tofile a formal complaint with the Consumer Financial Protection bureau ( CFPB ) and other regulatory agencies thank you for you pront attention to this matter please confirm recept of this letter and provide the results of you investigation at you earlest convenience sincerely XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXXXXXX Balance {$19000.00} XXXX XXXX Balance {$2900.00} XXXX XXXXXXXX XXXX {$5800.00} DPT EDXXXX XXXX Balance {$0.00} 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 XXXXXX/XX/XXXX
Product: Bank account or service

I applied for Citi Gold Checking Account with XXXX promotion on XXXX/XXXX/2016. 
The promotional offer is that AAdvantage XXXX bonus miles will be credited by Citibank within 90 calendar days from the date when you completed all offer requirements. 
I have received a confirmation letter specifically addressed to me from Citibank that I have met all the requirements on XXXX/XXXX/2016. In the letter Citibank stated that " I can confirm the promotion is attached and requirements for XXXX promotion are completed. In addition, now that you have met the requirements and the account review is completed as eligible, Citibank will credit the AAdvantage bonus miles to your AAdvantage account, within 90 days from the end of the statement period in which the completed offer requirements. The last requirement met is dated XXXX/XXXX/16. '' However, although more than 90 days have already passed, Citibank refuses to honor their promotion as promised. In addition to meeting the promotion requirements, I have also paid {$60.00} for their monthly fees while waiting for Citibank to uphold their word.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is the 3 rd I have requested to have my Credit Freeze removed from my file My name is XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Please remove any and ALL Blocks/Freeze from all my credit reports. 
XXXX XXXX SS XXXX I have attached my ID and SS card.
Product: Vehicle loan or lease

On or around XX/XX/year> I opened a car loan with Navy federal.XXXX XXXX XXXX I got into a car accident where my XXXX  XXXX XXXX was totaled.I called navy federal a couple days later after I got out of the hospital to let them know about the accident.On XXXX XXXX to get the GAP payment activated so the vehicles can be paid off only to be told by a customer service agent that she dont see where GAP insurance was on my promissory note which I told her that I know for sure that I had selected GAP when I did my application for the auto loan I was transferred to another person name XXXX where she told me that normally on the promissory note there would be a section on where I the customer would initial and sign but she doesnt see that on my promissory note thats where I was transferred to a supervisor name XXXX where he told me that because my loan term is 96 months long thats why my loan wouldnt be eligible for GAP so I ask when was that a thing because I remembered Vividly that I had selected the GAP insurance XXXX then said that my application is Archived and he will request for it to be un-archived it then I ask him for a copy so I could view it also he said they cant email or no other way where I can see the application but it take 24 hours to be archived so he would give me a call the Tuesday evening, I am yet to hear from anyone at XXXX XXXX I called on the XXXX of XXXX to speak to XXXX was told that he is not available and a message was sent to him to give me a call me, today is the XXXX of XXXX and this matter have yet to be resolved .This is definitely unfair practice because the GAP insurance section was removed from the promissory note without my knowledge and there is nothing to show that I declined the GAP or my Loan was ineligible for GAP on a XXXX auto loan
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 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 ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists I just got out of fXXXX XXXX from doing XXXX XXXX XXXX so I shouldnt even have a inquiry
Product: Credit reporting or other personal consumer reports

I opened my Capital One Secured Platinum credit card on XX/XX/XXXX, got my card XX/XX/XXXX. I got my first XXXX on XX/XX/XXXX. A few days later it was reported to my XXXX credit report only. it is now XX/XX/XXXX and my credit card has not been reported to my other credit bureaus... it should not take this long for it to be sent and reported. Usually within the first 30 days the credit card is reported to the credit bureaus. 


Attached are screenshots from ( XXXX XXXXa XXXX account ( XXXX ) ) and XXXX Accounts
Product: Mortgage

For two or so years I have been trying to get a modification on my mortgage. I became ill and got behind for two years they ask for paperwork and applications. I always get a letter saying my package is complete and a few days later they request a copy of something I already sent or they cant find it or read it. I started emailing a copy, and sending the original by mail. Still they loose something. They also request updated financial records cause it takes so long that the dates expire. I got so frustrated I got an attorney to send a copy also. Still they pulled the same stuff on them. Mind you the clock is ticking and Im closer to foreclosure. I went to my second to last court date where I was informed by their attorney that I wasnt approved because they didnt have my taxes. One thing they never asked for. I was also Informed I missed out on qualifying for an Obama loan and a loan for XXXX people. Plus I coulda got a streamline loan back when I was 3mos behind but I was never Rd offered one and didnt know it existed! but now its too late. I was given an extra month to get financing done if I agreed to sign a paper letting them foreclose. I didnt get a modification even though this time they had my taxes, in fact I was sending the papers by email and was blocked and found out I had to send the papers in a PDF. I told them by phone I would have my attorney do it. Which they did 3days later. I got an e mail the same day I was blocked thanking me for the paperwork and saying my package was complete an it could take a while before they made a decision. I sent a reply saying how amused I was cause they blocked my paperwork and my attorney was going to send it to them in the next day or so, I also added that my package couldnt be complete cause it was never recieved! Shortly after I was denied. I called and asked why cause the email they send with the reason was encrypted and I couldnt open it. I was told that it costs the company a lot of money each time they do a modification and they had no intension of approving it. Now I am trying to get a new mortgage but because my house is my place of business no one will give me a mortgage and I shouldnt have gotten one, I should have got a business loan. My current loan with OCWEN only shows the house the Barn an indoor arena dont exist per the way the Mortgage was written. I have till XXXX-17 to get a new loan of some sort either business or personal loan to catch the payments up. HELP!
Product: Credit card or prepaid card

Yesterday PayPal notified me that someone had tri3ed to use a XXXX in my name which card I never had. The last XXXX numbers used were : XXXX I was not told the amount, vendor or date of the attempted transaction. 

I notified PayPal that it was fraudulent. 

I called XXXX and they directed me to the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$2900.00} XXXX XXXX {$320.00} XXXX XXXX   XXXX {$3900.00} XXXX XXXX XXXX {$6000.00} XXXX XXXX {$20000.00} XXXX XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please step up and eradicate Bankruptcy chapter XXXX-dismissed XXXX
Product: Debt collection

I am writing to complain about three financial institutions that conspiring to remove money from our checking account. These companies are XXXX XXXX , XXXX, XXXX XXXX XXXX, and XXXX XXXX. 
In XX/XX/XXXX, we agreed to a debt reconsolidation for a credit card from XXXX XXXX. The card was in the name of XXXX XXXX XXXX. We agreed to pay {$400.00} a month to XXXX XXXX , XXXX to pay off the balance on the card. We later found out that XXXX XXXX was an intermediary of some sort because their company appears on the endorsement side of the check. This transaction was completed for the months of XXXX, XXXX, and XXXX. Unfortunately, XXXX XXXX, who was earning the majority of the money in our household, was forced to resign her position as a nurse practitioner. She started working again in XXXX. I called XXXX in early XXXX, asking them to stop the payments of the checks temporarily. We both agreed that once we were financially stable enough, we would resume payments. While there were other agents involved with these actions, the individual from XXXX who is in charge of the account is XXXX XXXX. 
On XX/XX/XXXX, we received notice of an overdraft from our checking account for {$400.00}. We discovered that XXXX began to make withdrawals from our account again. We never gave them permission to resume this action. As a result, our account over-drafted twice and we paid {$68.00} in overdraft fees. 
We have since written a letter to XXXX XXXX formerly requesting them to cease withdrawing money from our account. I sent this letter directly to their email account and as a certified letter. We have also placed a Stop Payment on all checks from XXXX XXXX XXXX.
We consider XXXX XXXX , XXXX to be primarily responsible for this issue. We are naming XXXX XXXX XXXX because they advised us to use XXXX. We also name XXXX XXXX because their name appears on the endorsement side of the check and we were not aware they were involved in any of the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On about or about XX/XX/2019 I applied for a new loan with Lending Club, they denied my loan but sent me to XXXX XXXX they might help! I applied and was subsequently denied by XXXX XXXX.Since then everyday i was getting letters from XXXX XXXX  saying my loan was denied and that i could request specific reasons Up until today i disregarded these multiple emails Today I received another email saying my loan application was denied TODAY I made no such application .Once i realized what they were saying I called XXXX XXXX  i was treated rudely They refused to let me speak with a supervisor.They said the application was made in my name with my real social security number.and then they hung up I contacted Lending Club they said there was nothing they could do .If they realized my personal information or did not protect it that must be rectified.Lending club said they are investigating it.Lending club should be held accountable for partnering with a scam lender
Product: Credit reporting, credit repair services, or other personal consumer reports

In a recent copy of my credit report ( Confirmation # XXXX ), XXXX reported no payment activity during a two year period ( XXXX XXXX XXXX  ) on any of 3 credit cards I have. 

In addition, a high credit balance that significantly exceeds the credit limit does not correspond with the period for which monthly balances are provided by Chase, while XXXX XXXXXXXX XXXX and XXXX XXXX report high credit balances exponentially greater than any balance reported in the 2-year period under review and for which monthly data is reported.
Product: Credit reporting or other personal consumer reports

My father was renting an apartment at XXXX XXXX XXXX, XXXX NC. He was on a month by month basis and after terminating his lease with the rental company, XXXX XXXX XXXX ) they served an eviction notice on him as well. I have the same name as my father with the exception of XXXX being at the end of my name. I had never signed the lease and I was never a tenant. I would like this removed from my report as it was not me.
Product: Credit card

On XX/XX/XXXX17, my credit card information was compromised and used for fraudulent purchases. I was notified by account alerts about the activity. I immediately called Bank of America customer service about the activity on my account. They immediately took care of the situation and stated that a new card would be sent out. Needless to say, ever since that time, I HAVE NOT RECEIVED MY NEW CARD. I have made numerous phone calls to Bank of America, spoke with numerous customer service reps, verified all my information each time, so much so that I have lost count and I still have not received a new credit card. Instead, I keep getting letters in the mail about me needing to call them. As stated before, the first letter stated that I need to call and verify all my information. In which I did. Now the second letter dated XXXX XXXX, stating that they could not process my request for credit because of restricted access to my credit files with the credit bureaus. What does that have to do with XXXX in XXXX. I am NOT APPLYING FOR A NEW CREDIT CARD. I have had my account for years in which a lock on my credit bureau account has always been there. Way before my credit card was compromised. I have had it with talking to EVERYBODY and not getting anywhere. In addition to my account being compromised now I am being victimized by Bank of America. No one should ever have to go through this. But here I am with no new card.
Product: Debt collection

I 've had no knowledge of this negative item as it appeared on my credit report, and from researching the company online, I do n't know from which source it came from. 
The name of the negative item is PORTFOLIO RECOVERY ASSOCIATES and it was opened on my account XXXX/XXXX/2017. 
It 's not mine, please help in removing it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts below, which appear on my credit report, are not mine, please check them. 
Identity Theft N/A Account Number : XXXX This is not mine. 

2. Identity Theft N/A Account Number : XXXX This is not mine. 

3. Identity Theft N/A Account Number : XXXX This is not mine. 

4. Identity Theft N/A Account Number : XXXX This is not mine. 

5. Identity Theft N/A Account Number : XXXX This is not mine. 

6. Identity Theft N/A Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft WATERFALL REVENUE GROU Account Number : XXXX This is not mine.

3. Identity Theft WATERFALL REVENUE GROU Account Number : XXXX This is not mine. 

4. Identity Theft WATERFALL REVENUE GROU Account Number : XXXX This is not mine. 
Identity Theft WATERFALL RE Account Number : XXXX This is not mine.