23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX XXXX, I called to cancel my citi credit card. I had a balance on my card. I have always made my payments by mail, with a personal check. On XX/XX/XXXX, I contacted CITI CARDS, and requested my final bill. They sent ma an Email, stating, that I should make the payment on line. I informed them that, I have always made my payments by mail with a personal check. They, CITI CARDS, has been sending me a bill in the mail ever since I opened the account. I made several phone calls, requesting my bill by mail, as usual. They ignored me. In XXXX, I started receiving E-mails, stating that, my bill is past due, and they are charging me late fees and interest, in the amount of {$31.00}. I have never made a late payment, and I always pay my bills in full, and on time. I think it's unjust, to deliberately delay my bills, and the charge me late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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. 

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
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. Experian and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/2021 via phone at XXXX requesting to have incorrect personal information removed from my report.. After going through the phone verification, I was transferred to a live representative who refused to assist me. He sent over a verification link and when I selected the link it did not work. I am a victim of identity fraud and there is so much incorrect personal data being listed on my credit report I fear this fraudster will be able to beat the system and ruin my credit again.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. COMENITYCAPITAL/XXXX, XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Credit reporting or other personal consumer reports

In XXXX, I notice I had an unknown inquiry on my credit from Alliant Credit Union. I feel very devastated about the situation because I never applied any kind of loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Use my Credit report improperly unable to open a checking account or buy a home and or car
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX was looking at my credit report and saw that I had some inquiries that wasn't mines. I didn't give these companies permission to run my credit. I am a victim of identity theft please delete these accounts. XXXX XXXX XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX  XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX XXXX inquiry date of XXXX, XXXX XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX inquire date of XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX inquire date of XXXX , XXXX XXXX XXXX XXXX inquire date of XXXX , XXXX XXXX XXXX XXXX inquire date of XXXX , XXXX XXXX inquire date of XXXX, XXXX XXXX inquire day of XXXX.
Product: Debt collection

I previously submitted a complaint against TRANSWORLD systems in regards to a collection they continue to report on my credit. They wrote me telling me that they previously replied prior to my first complaint, but I never received the letter they " claim '' they mailed to me. Only after submitting my complaint to the CFPB did I get them to respond. They suddenly sent me a print out of the debt they claim I owe, but they had 30 days to reply to the dispute letter I wrote them, and they never sent me the requested information. Among the questions I asked them, which I have attached to this complaint are as follows : 1. Copy of assignment of purchase from the original creditor. 2. Every charge and what was purchased, ie ; fee, payments, credit, interests. 3. How they calculated what they claim I owe. 4. Full chain of assignment from charge off to present. 5. Proof that they own the debt with full clear title. 6. Proof that they were on the original contract. 7. Proof that they are licensed to collect in my state. 
Please be reminded of XXXX vs XXXX Law Firm - XXXX vs XXXX XXXX XXXX 

They never answered these questions, and did not DELETE this account from my credit being that they are not able to produce all of my requests which I have a right to obtain. 

In addition to that, I have attached evidence that they tried to put on XXXX XXXX that I had made a {$25.00} payment, and then suddenly removed the remark from there. They also lied saying that I was affected by a natural disaster and ; this too is untrue. I have never spoken with anyone at this collection agency to tell them this. They are the ones that put that remark on my credit reports falsely. This is clear defamation and violation of my rights. I am giving them a final opportunity before I proceed to file a formal complaint with the GA State Attorney and to hand all of this evidence to my lawyer to proceed with a lawsuit in which I will be demanding {$1000.00} per violation if this account is not removed from my credit reports within the next 30 days.
Product: Credit reporting or other personal consumer reports

I had an account with XXXX XXXX XXXX  and paid the company every payment on time. They have continuously reported my credit incorrectly. I do not owe them any money at all. I borrowed {$5000.00} and repaid over XXXX. They recently sent me a check for XXXX saying it was money they owed me. They are still reporting my account as a collection/chargeoff. Because they know that I do not owe them and they made a error I consider them continuing to report information as erroneous and maliciously intending to ruin my stellar credit history. I am including a copy of their letter and the refund that they sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was told i was getting paperwork to fill out and never received the documents. this is not my debt and i never lived at the property in question. i was a victim of identity theft, some unknown person rented an apartment without me knowing. and without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was one of the people affected by the Equifax data breach and wanted to file a formal complaint against them. I already have identity theft protection but I am very upset that to get protection from Equifax they required you to waive your legal rights. 

Equifax owes us a lot because this could affect our future, our retirement, and our lives.
Product: Credit reporting or other personal consumer reports

To make it as easy as possible to get credit toward PSLF, I switched from the student loan servicer XXXX to XXXX. This loan servicer change went into effect on XX/XX/XXXX 

I was notified on XX/XX/ that my credit score decreased rapidly. This decrease in my score was due to my credit report falsely showing that I have identical loans through both XXXX and XXXX. 

Thinking it would take time for my credit report to accurately reflect the correct information, I waited until XX/XX/ to submit a dispute through Experian.com. I received an email on XX/XX/ from Experian stating that my dispute was " resolved. '' This is incorrect as my credit report still reflects that I have identical student loans through XXXX and XXXX.
Product: Credit card or prepaid card

I was approved for 39 weeks of XXXX benefits and only received my 11 weeks of payments, or 11 deposits, on my card. My XXXX benefits went into effect on XX/XX/2020 and I havent received a payment since XX/XX/2020. I was also approved for LWA assistance payments which were only 3 I was eligible for but it added up to over {$900.00} and I cant find that money anywhere. They said that it was direct deposited to my account that I had listed on my profile but all my XXXX payments were rejected and had to be reprocessed and put on my go program card but I still havent received any payments of any kind since mid XXXX and I have tried to call the department of labor and I would be put on hold sometimes for 4 or 5 hours just to be disconnected and Ive repeatedly emailed them to no avail always getting the same response of for me to send my info and confirmation number and they would look into it but then I wouldnt hear anything for 2 or more weeks and then Id get the same preprogrammed message. Im so frustrated and almost dead broke and my bills are pilling up and Im slowly losing XXXX XXXX  I started for the ground up. Please tell me what I can do to get my back payments and who I need to talk to about it if youre unable to help
Product: Mortgage

I applied for the third time for a FHA refi and wasted 2months of valuable time only to find at the end that I could not have more than XXXX FHA at one time. Because it was check in the front I paid for an appraisal and was denied. This caused my credit report to be affected with two more months of past due on an balloon payment. 
Today I received denial reason which are wrong. The bank changed the product so they could then deny me for the 1 ) excessive obligation 2 ) unacceptable payment record on previous mortgage and then 3 ) Does not meet FHA guidelines. 
All of the above is wrong because I applied for the product with a co borrower and was told early in the process that all was good. I explain in advance that my income had changed and that I knew that could affect the outcome. So in the end all was good until we found out that I already had an FHA, That was the only reason I was denied. My credit score was XXXX until I started my loan quest with XXXX different banks. They only reason that I became past due is because all of the banks did not do their fact checking on the front end. They did it on the back end.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, which I initially contacted Experian about on XXXX. Despite my initial inquiry, I have not received a response from Experian to date. Enclosed are the details of the inaccurate information and the required corrections : The following account is not mine : Company Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} Please remove it from my credit report. 

The following account was never late : Company Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Please correct this inaccurate information on my credit report. 

The following account was never late : Company Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$7900.00} Please correct this inaccurate information on my credit report. 

The following account is not mine : Company Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24.00} Please remove it from my credit report.
Product: Debt collection

Despite my efforts and the escalation of this matter, the erroneous account remains on my credit report. This situation has caused significant distress and financial harm. Furthermore, I recently discovered the sudden appearance of Fraudulent Account on my credit report, which was not reported by other credit bureaus. I am puzzled as to how such unverified information has stained my credit report when other bureaus have not reported the same account. This inconsistency raises questions about the accuracy and reliability of the information on my credit report under your supervision. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite repeated attempts to rectify this situation, I continue to encounter challenges, and I urgently seek your assistance in resolving these issues. 
XXXX XXXX XXXX XXXX PLEASE DELETE!!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand that you conduct a thorough and expedited investigation into Fraudulent Account. Given the seriousness of these matters and the potential harm to my financial standing, I request the immediate deletion of these fraudulent accounts from my credit report.
Product: Money transfer, virtual currency, or money service

XX/XX/19 - Coinbase took BTC ( XXXX ) from my wallet without authorization. 

Have reached out to support many many times and no response.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX I realized that my credit report was blank. All information missing. A credit score of XXXX. This continues for 4 months until they tell me that there was an incorrect address submitted that wiped my entire credit history. They brought the page back up but since then nothing has changed, nothing has updated and my score remains the same XXXX. XXXX never did this nor had this problem and reports everything and my score is XXXX. The credit bureau wiped me from existence and has now destroyed my credit by not updating my information at all. They still have my information linked to that other address where I have never lived. For XXXX there are no credit reports to show.
Product: Credit reporting or other personal consumer reports

I did not Authorize the following inquiries on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Inquiry date XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Inquiry date XX/XX/year> ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Inquiry XXXX XX/XX/year> ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I had a loan through Wells Fargo starting back in 2005 for a vehicle. I'm just making sure I file the paperwork.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX To my knowledge, I have not signed any documents authorizing these four organization to view my credit history therefore, these 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

i have been trying to get help with deleting these unauthorized inquiries from my credit report that are damaging my credit report.I have sent Transunion and XXXX  letters on XX/XX/2020 regarding these inaccurate inquiries they are reporting against me and i have receive any documents to prove otherwise. Please assist me in this matter cause its causing me great stress and disappointment in getting things
Product: Debt collection

XX/XX/2020 I reached out to XXXX  in regards to a collection account reporting a {$0.00} balance, on a {$0.00} loan amount. All they stated was the account was verified. 

This account has not budged to be removed from my report, with XXXX being the original creditor. 

I reached out to XXXX, and they stated they couldn't help me because if there's an account reporting with Convergent Outsourcing, that means Convergent now owns the account. 

My issue with all of this is, WHAT ACCOUNT?! I've never been a XXXX customer. I asked XXXX for the information given to them to open the account, they stated Convergent would have to be the one to provide it to me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleged systemic issues, such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrective nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend the disputed account, as experience inaction violates federal law, and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised in the 2017 Equifax hack. I have signed up for the class action law suit. That suit is still in litigation, undetermied resolution date.Over the past 6 weeks, I have been getting indications that unknown person ( s ) are using my personal information for their purposes. Examples : ( 1 ) Accounts opened up with a money transfer company named XXXX. ( 2 ) Application for unemployment benefits initiated using my personal information. I have been retired for 14 years. And quite a few more. I feel that I need credit monitoring services right now. I called Equifax and they referred me to their hack phone number ( XXXX ). The line is totally automated and useless to me. I feel that Equifax should give me free credit monitoring service immediately and for an unlimited duration.
Product: Credit card

There was a charge on my credit card for {$180.00} for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX through XX/XX/XXXX. My husband purchased this trip in XX/XX/XXXX in which tickets for this jazz festival were already paid. We were advised another card need to be left for incidentals. This issue is the company is in bankruptcy in which were trying to get our money back as we speak case # XXXX for {$3700.00}. We did not attend this event because they sent us cancellation on XX/XX/XXXX that our hotel accommodations were cancelled meaning we couldnt attend. I dont have a credit card receipt or anything for this purchase. Navy Federal denied my claim but I never received correspondence. I disputed and sent in all the documents to show the jazz trip was cancelled so how was I charged again for something that was previously paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to check my credit report, and I noticed some unauthorized an unrecognized inquiries. 

( XXXX, they are as followed : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, THEY ARE AS FOLLOWED : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax they are as followed : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX matter of fact, any inquiry made in XXXX, or XXXX of XXXX is unauthorized an unrecognized
Product: Checking or savings account

My checking account at wells Fargo bank account # XXXX. There was an unauthorized withdrawal on XX/XX/2022 and the amount in total was {$7500.00} at a branch. I did not make this withdrawal, and once I was aware of this, I immediately contacted Wells Fargo by going to a branch, and via phone. Im very aware of my accounts and I balance my check book religiously, and I do not prefer or like to take out large withdrawals. As investigations on the Wells Fargo end proceed, they should see that NO ONE else was on my accounts nor has permission to make a withdrawal from my account. I reported this fraudulent transaction theft to the bank and I was expecting this to be resolved immediately without any delay. However, the bank did not investigate properly, nor call authorities & did not return my {$7500.00}. I had placed my trust in Wells Fargo to properly handle this but they failed back in 2022 when it occurred and I thought that was all I was able to do. Now learning that I needed to contact the cfpb to oversee this, I will not let this go until a proper investigation is done, I have a full explanation for how this happened, and I get the {$7500.00} dollars that was stolen from me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX XXXX  as well as the bureaus to remove these lates however, I have not been successful.
Product: Credit card or prepaid card

on XX/XX/XXXX i signed onto Indigo CC ( Genesis FS Card Services XXXX XXXX XXXX XXXX OR XXXX. XXXX ) after receiving a notification for an annual fee that would be charged on this card. I had not used the card since XX/XX/XXXX and carried a zero balance. A new card was sent in XXXX of XXXX which i had never activated the card. When i signed on to site on XX/XX/XXXX i noticed over 8 fraud charges in the amount of {$200.00} where on the card which was NEVER activated. XX/XX/XXXX {$33.00}, XX/XX/XXXX {$15.00}, XX/XX/XXXX {$11.00}, XX/XX/XXXX {$67.00}, XX/XX/XXXX {$21.00}, XX/XX/XXXX {$15.00}, XX/XX/XXXX {$26.00} and XX/XX/XXXX {$13.00}. I placed a dispute on XX/XX/XXXX and received a letter on XX/XX/XXXX stating they found in favor of the bank. I contacted them again on XX/XX/XXXX and spoke to supervisor who also could see the card was not activated and entered a new dispute request. All when i am being advised it will take up to 60 days to resolve. As of today the dispute of the fraud charges have not been resolved and i have continued to make payments on the CC to avoid any issues related to my credit. I do not understand why they would not be able to resolve sooner on a card that was never activated and why they would not refund the charges while they investigated the charges. Their representatives are not knowledgeable and offer no assistance.