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

I check my credit report and notice that a credit card that I didn't open was on my credit report which is XXXX ending in XXXX open on XX/XX/year>, in the amount of {$1300.00} which I didn't open. This account is fraud and should be deleted/blocked from my credit report. I immediately did a police report and FTC report and called the creditor about this fraud account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters out from the inaccurate and unknown accounts that have been drastically hurting my credit score, and costing me THOUSANDS of dollars in interest annually. I have tried reaching out to via letters and its been over 55 days and still no response. I feel as if I am being taken advantage of which isn't legally right. Section 611 ( a ) clearly states they have only 30 days to conduct an investigation and reply or the account must be deleted. it has been over 55 days and demand these accounts be deleted immediately. My information was also affected the the Equifax data breach and may have got in the hand of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts still appears on my Experian credit report, although they were supposed to be removed last month ( XX/XX/XXXX ) You have 27 Inquiries Inquirer Name Inquiry Date Removal Date Business Type Contact Information XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX
Product: Mortgage

Hurricane Irma in 2017 had major impact on my income and did damage to my house. I inquired about the forebearance option. The way it was presented to me was that since I could not afford the current payment they would suspend payments until the work to fix my house was completed. They gave me two options for once the work was completed ; I could either pay ( make current ) the payments that were not made during the suspension or they could remodify the loan. I specifically asked about the modification due to the fact that my income potential was drastically reduced ( due to Hurricane ). My question was to the point ... the only modification to the loan would be the  length ... if loan is suspended for say 3 months then the loan maturity date gets extended by the same. Their answer was yes. It took 9 months to get insurance company to correctly payout and get work completed, so there were no mortgage payments made for those 9 months. Once completed Loan Depot sent me a trial modification program to get the process started. I was told that the higher payments were to assist in getting the escrow balances back on track, I made all the payments ( on time ). Then came the loan modification itself, documents came along with foreclosure, short sale and deed-in-lieu documents. This scared me to death so I signed the new loan. My payments went from roughly $ XXXX/month to $ XXXX/month due to an additional {$18000.00} being added to the loan. They said it was for the unpaid months during forebearance. I called several times trying to get clarification but got the run-around each time. Not sure how it works ... loan payments were suspended ... yet they are charging me for them as if they made them for me. Again I go back to my question prior to accepting the forebearance program, trust me if I had any inclination that they would added that money to the loan I would have never done the program. They also talked on fees ( not sure for what ) and reported me to the credit bureaus as late over 120 days ... which they promised me they would not do. 

I feel as if I was scammed, the program is to assist people in times of trouble and because of it I have an even bigger problem now. If I was going to have difficulty paying {$1700.00} a month ... how can I afford {$2100.00}
Product: Debt collection

Portfolio Recovery is calling my XXXX mother 's house daily, sometimes multiple times a day despite the fact that they know where I am and even have taken me to civil court. They are absolute scum.
Product: Checking or savings account

I filed a claim against my bank for a XXXX transaction for $ XXXX and a XXXX XXXX transaction for $ XXXX due to being swindled. They did give me a provisional credit for $ XXXX, but denied the XXXX transaction claim. Instead of giving my a full credit, Wells Fargo decided to close all my accounts, even after giving me a new checking account.
Product: Debt collection

RE : Acct # XXXX, Amount in Dispute : {$15000.00} Debt Validation Letter XXXX XXXX REQUEST FOR DEBT VERIFICATION From XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX VA XXXX To Whom This May Concern, I, XXXX XXXX XXXX have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt. Charge off 's 15 U.S code 1601 prior complaint XXXX
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

The forged check was withdrawn from my account on XX/XX/18 for XXXX , you can clearly see it is not my handwriting, no my signature, also my fuel card company without my authorization withdraw money from my account : on XX/XX/18 XXXX , XX/XX/18 XXXX , XX/XX/2018 XXXX, XX/XX/18 XXXX $ and on XX/XX/2018 XXXX $ which chase refused to refund also.
Product: Credit card or prepaid card

credit card issued by Elan financial services a subsidiary of us bancorp was charged in the amount of XXXX unauthorized i by phone told the credit card issuer of the unauthorized charge on XX/XX/2020 they provided credit to my card and sent me paperwoork to fill out to dispute the charges i filled out the paperwork and they later denied receiving it there has been a severe us mail problem beginning and recorded since XX/XX/2020 of which they were aware yet no e-mail sent to them concerning lack of receipt of paperwork they waiting on their denial was after the 60 days since they issued me credit for the unauthorized charges and a debit of XXXX was initiated and recorded i have called on other unauthorized charges in the past four years and they are aware of my timely diligence to resolve all issues. charges were by XXXXXXXX XXXX XXXX. and were twice on one single day for XXXX as well as other charge dates
Product: Mortgage

We completed a FHA 203K remodel at XXXX XXXX XXXX XXXX, WA for your clients XXXX & XXXX XXXX XXXX and have not been paid by The Money Source , the loan holder and her hired FHA consultant XXXX XXXX has engaged in fraud and produced a fraudulent report, we hired an FHA Compliance Officer whom inspected the property and determined that nothing was wrong with it. Our payment is being illegally withheld. A copy of the report has been sent to the bank, ( The Money Source ) we are demanding payment.
Product: Credit card or prepaid card

On XX/XX/2020 at XXXX XXXX, I received an email from Citibank confirming upcoming travel ( attached ). At about XXXX XXXX, I notified the fraud line that I was NOT traveling and had not reported that I was traveling. The specialist then told me that someone had charged {$2500.00} at XXXX in XXXX, MD using a card with a number that I had not activated. Citi then closed the account ( see attached ). 

Five minutes later, another Citi Fraud Specialist called on my landline ( in XXXX ) asking whether I had just complained about Citi 's refusal to allow a {$5000.00} Home Depot charge. I told him that I had not called him and was delighted to be able to quash the charge. 

The thief had been able to call Citi using my cell phone number because they had my SIM card installed in their phone in a XXXX, MD XXXX store at XXXX XXXX. A XXXX Fraud Rep identified the person who did it as " XXXX '' ( see attached ). This enable them to answer the account verification calls I would otherwise have received and elude detection. During this time, I had no cell service. 

I thereafter contacted the XXXX County Sheriff 's Office reporting XXXX as a possible suspect and tried to report the crime to the XXXX Fraud Department and my local precinct, which refused to take the report without a " Letter of Affidavit '' from Citi. However, Citi 's Security Department said that such a letter could not be issued because the XXXX charges were in dispute and the police would have to contact Citibank 's Law Enforcement Department at XXXX. I sent this information to the law enforcement officers with whom I had spoken. 

Last week, I received a bill showing {$2500.00} in charges at XXXX and {$5000.00} in charges at Home Depot, despite closing the account, rejecting the pending charge and being told that it was stopped. 

By letter dated XX/XX/XXXX, Citibank has deemed me responsible for the fraudulent charges, including the Home Depot charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never obtained a mortgage.
Product: Credit reporting

I have had a lot of medical bills in the last few years, so decided to apply for for a loan to pay down some high interest credit cards. I have n't bought anything expensive in years, so had never checked my credit report. The first item on my TransUnion report was for a XXXX XXXX account that was n't mine! Someone opened an account in XXXX and had paid well until three months in XX/XX/XXXX. I have NEVER had a XXXX XXXX card nor have I ever applied for one. I have always paid my billsand have never gone over my credit limit. I submitted a Dispute Resolution to TransssU Union ( it is still in the works ), so they immediately hit my credit score for XXXX points! This is not right! I think credit reporting companies have way too much power to ruin people 's credit. I love the way they offer {$20.00} per month credit monitoring services! Can we say c conflict of interest? Why should applying for loans negatively affect your score? I put my middle name on the Dispute document so I suppose I got docked XXXX points for that? That is absurd!
Product: Credit reporting or other personal consumer reports

Usc article 9 part 6 In accordance with the Fair credit reporting act has violated my rights 15 usc 1681 section 602 A states I have the right to privacy.

15 usc 1681 section 604 a section 2 states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with XXXX and XXXX regarding late payments reporting falsely on my credit report. They keep giving me generic responses. However I have provided them PROOF that it was on time. Loancare told me they can't fix it on their end and I had to talk to the bureaus. It's just the run around. This is harming me. And it's falsely reporting. My payments have always been on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Every time I dispute something they lower my score, while the others raise it. They have incorrectly disputed items and companies I did not select ; and they're the only one of the three. They dont take my card holder status on a XXXX XXXX account into the utilization ratios, and theyre dinging me for old bad debt that was charged off and sold to unscrupulous collection agencies that were found at fault and removed quite some time ago from all three reporting agencies. Their reporting patterns are arbitrary and inconsistent. They are clearly blacklisting me ... theyre the only company I can not contact easily and say this or that doesnt add up, and if correct, have it adjusted. 

And Discover ... theyre application system dropped my application twice, they admitted, dinged me with hard inquiries, denied me credit, and then refused to remove the erroneous inquiries due to the i system failures. 

XXXX, I called them and their collection department several times, and could NEVER get a call back, when I did reach a person, they would it accept money from me to settle the account ; they passed me off to another department that sent me back to the original department I came from, and then was rendered back into automated XXXX, left yet another message for the account manager, which never gets returned. But yet, they suddenly updated my report for 20 some odd months of Charge Off status when there wasnt any updates over those months and then plummeted my score again. 

What is wrong with these people? It takes a certain type to ruin people ; to be in a role to make everyone as whole as possible, yet behave in ways that are contrary to the espoused theories. 

Im beyond frustrated witXXXX XXXX Discover, and XXXX. I have absolutely NO recourse other than to suffer, or spend all my time, far more than the countless hours I already have, to keep calling, using online forms and writing, in hopes of finally reaching a bright and intelligent individual capable of reading and applying logic, able to feel and reach within the human aspects of the self, and ALSO has a modicum of clout. Good. Luck.
Product: Credit reporting or other personal consumer reports

I am unable to access my full credit report or scores, only the Experian report is available. Despite providing accurate personal information I don't have all the information that I should to have full access to my credit report and scores. According to the Fair Credit Reporting Act ( FCRA ) is a federal law that guarantees that the consumer has the right to said access to their credit reports and scores. Furthermore the Annual Credit Report website has not provided said information, due to a payment being required whereas its advertised as being free once a year. I am requesting assistance in resolving this issue and being able to access to my full credit report and scores.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to formally dispute inaccurate and misleading information that is currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request the deletion of the following items from my consumer report, as these accounts are inaccurate and can not be corrected, nor do I wish for them to remain on my credit file. 

XXXX. XXXXXXXX XXXX XXXX XXXXXXXX, XXXX. ( Account ending in XXXX ) Reported Balance : {$540.00} Available Credit : - {$44.00} Reason for Dispute : This account is reporting erroneous information, including a negative available credit, which is invalid. I am requesting the full deletion of this account from my report. 

XXXX. XXXXXXXX XXXX  ( Account ending in XXXX ) Reported Balance : {$1800.00} Available Credit : - {$490.00} Reason for Dispute : This account is incorrectly reporting a negative available credit. I am not seeking a correction but instead demand its immediate removal from my report. 

XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) Reported Balance : {$620.00} Available Credit : - {$320.00} Reason for Dispute : This account contains incorrect information. I am requesting that it be completely deleted from my credit file. 

Legal Basis for Deletion 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : Under the FCRA, I have the right to dispute any inaccurate or unverifiable information. As these accounts contain erroneous information, I am requesting their complete deletion rather than correction.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) : Additionally, I request that all communications related to these accounts cease, including through my consumer report, which is considered a medium under this statute. The continued reporting of these inaccurate accounts violates my rights under the FDCPA. 

I request that you : Delete the inaccurate accounts listed above from my credit report. 
Cease any further communication regarding these accounts, including through my credit report. 
Provide a new copy of my credit report reflecting the removal of these accounts. 
Notify me in writing once these deletions have been completed. 

Please confirm receipt of this letter and the initiation of your investigation. If you need further information, you can contact me at XXXX. 

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

Subject : Inaccessibility of TransUnion Website for Credit Report and Dispute, Seeking Redress On XXXX, I encountered severe issues attempting to log in to the TransUnion website to access my credit report and dispute a collections account. This problem persisted despite a successful attempt through other bureaus. The websites inaccessibility, as reported by various XXXX  comments, has been a persistent concern over an extended period. 

This disruption specifically affected my ability to utilize the free credit report and dispute tool, while access to paid features remained unaffected. This situation raises concerns about the accessibility and functionality of critical consumer services provided by TransUnion. 

I believe this incident may be in violation of consumer protection laws, as it hinders my right to access and dispute information crucial to my financial well-being. Seeking redress, I request a thorough investigation into this matter and appropriate monetary relief in accordance with applicable laws. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

my data was leaked through XXXX and these account need to be deleted immediately Ic system XXXX XXXX XXXX XXXX XXXX XXXX XXXX " Date : XX/XX/2023 To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX In addition, Delete all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. 
Thank you, ''