23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been a member of Discover Card for over a decade and never had a problem. I was alerted to potential fraud activity on my credit card and attempted to log into my online account but could not gain access. I have patiently waited and worked with Discover card to gain access to my online account or some sort of account statement for almost two years. I also continued to make my minimum payment in good faith that Discover would figure out the issues with my account and get me the access I needed. It has been almost two years and I have yet to gain online access and have not received one statement in the mail. My last attempt to gain access of my account or statements was in XXXX of 2023 at which time I asked them to please send me a two-year statement of account by certified mail and I would pay for it. I have yet to receive these statements. FCBA states I have certain rights however how can I properly dispute or go over my transactions if I am refused access to these charges? I do not have the information needed to file a police report or to accurately detail potential fraud. What is one to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

We qualified for covid mortgage payment relief and were advised that our credit would not be negatively affected during this period. Checking my recent credit report shows otherwise - during the months of covid relief- Shell Point reported missed payments - causing a drop in my credit score from XXXX to XXXX. 

Called the company directly to address- never heard back. 

LOAN NUMBER : XXXX Account has since been paid in full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ChexSystems 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 : Address Update Request First and foremost, I demand that you immediately update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. ONLY! 
Contact Information Removal Remove all previous contact numbers associated with my account as I do not have a contact number at the moment. 

Email Update Remove ALL existing email addresses and update it to : XXXX ONLY! 
Negative Accounts Removal I am formally disputing and demanding the immediate removal of all negative accounts associated with my profile, specifically : XXXX XXXX XXXX XXXX XXXX # : XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX / XXXX These accounts have not been reported in accordance with the FCRA, specifically under FCRA Sections 605 ( a ), 607 ( b ), and 623, which regulate the reporting and accuracy of negative information. As per my rights under FCRA 611 ( a ) ( 1 ), I request a thorough investigation into these accounts and their immediate removal if inaccuracies are found. 
Inquiry Removal Furthermore, I demand the removal of the following unauthorized inquiries from my ChexSystems report, based on my rights under FCRA 604 ( a ) ( 3 ) concerning unauthorized access to my credit report : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) on behalf of XXXX XXXX : XXXX XXXX XXXX ( XXXX ) on behalf of XXXX XXXX XXXX XXXX XXXX The inquiries listed above were conducted without my authorization and violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 and FCRA 606.

These accounts listed above have resulted in several fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections and inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX  PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT ASAP, THESE INQUIRIES WERE NOT AUTHORIZED
Product: Vehicle loan or lease

I submitted a complaint on XX/XX/2023 with the CFPB ( Complaint ID XXXX ). The company has responded to my complaint by refunding only half of the requested funds. I have received the requested reimbursement for one of the unauthorized transactions for {$860.00}. The total reimbursement amount was {$1700.00}, and I have only received half of the funds. However, an additional {$860.00} has not been received yet.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The XXXX and EQUIFAX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$980.00}
Product: Checking or savings account

This is a problem with the cash app ALBERT I have no way to access my savings account. 
The phone number is circularly referencing the app, which references the phone number. 
I want to make changes to my own account and access the {$2500.00} I have in there.
Product: Mortgage

Me and my mother pay for the mortgage, her {$550.00} makes to the company and they count the payment. My payment of {$550.00} however makes it 1-3 days before the due date, they do not count this to the amount owed ( {$970.00} monthly ) and instead says it is extra principle. I now have an extra late fee of {$38.00} that was charged to my account for the last 3 months ( due dates of XX/XX/2020, XX/XX/2020, XX/XX/2020 ) and now my amount owed is XXXX. 
The last time we contacted them about this the first time it happened they refused to refund 1 of the 2 late fees. 
Being that this issue is repeating and that they will refuse to refund all but 1 late fee i'm making this complaint.
Product: Mortgage

We have had our mortgage with Loancare since XX/XX/XXXX and are in the process of selling our home and purchasing another. When I called to make our XXXX payment, I was not able to use the automated system and was sent to a customer service representative who proceeded to tell me that there was a partial payment that had been made on XX/XX/XXXX, that had bounced back, which was not at all the case. I went round and round with this person and then was handed off to three more people, who did not have any idea what had occurred with my account. This made me very uneasy as I thought that perhaps there was some fraudulent activity. I made my payment that day and never heard back from Loancare in regards to what had transpired. Fast forward to yesterday, when our lender for the new home called to tell me that we had a 30 day late payment show up for XXXX with Loancare. I called them and once again was given the run around. I have verification that they reported us as on time to the credit bureaus on XX/XX/XXXX, as I check my XXXX XXXX profile all of the time. What ended up happening is my husbands uncle paid our XXXX mortgage to help us bridge the gap financially as we had a long road in regards to selling our home. I found out YESTERDAY that payment had bounced back and created a domino effect. I did not receive one piece of mail from Loancare, nor did I receive a call regarding this, at any time, prior to piecing it together yesterday, XX/XX/XXXX. They conducted an internal investigation on our account on XX/XX/XXXX, I spoke with them a week later to make my payment and they reported on XX/XX/XXXX that we were current. All I want is for the late payment to be removed from my lenders report and would like a letter from them acknowledging that it has been removed. We are set to close on our home sale on XX/XX/XXXX at that time this loan will be paid in full. 

As you will be able to see with the attached documents and screen shots, there was zero communication regarding the XXXX payment bouncing back. I have a statement dated XX/XX/XXXX showing that we had the XXXX mortgage due by the end of the month. There is nothing on this statement showing a past due payment. The screenshots that I have attached are from last night and today, showing that we are current and that they reported this on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Im writing because the inaccuracies on my report are causing real, measurable harm. My score is suffering, and its closing doors to opportunities that I should have access to. Its not fair to be held back by mistakes that arent even mine, and I cant keep dealing with this unnecessary stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Great Lakes on XX/XX/XXXX in reference to two alleged late payments on XX/XX/XXXX ( 30 Days ) and XX/XX/XXXX ( 90 Days ). I reviewed the information that was provided to me by Great Lakes and I disagree with this information reporting via XXXX, XXXX, and XXXX. 

I never was late on these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX and XXXX XXXX XXXX In accordance Fair credit reporting act under 15 USC 1681 Improper use of credit report. Reporting use my report improperly. 15 u.s.c 1681 section 602 A. States the right to privacy 15 U.s.c 1681 section 604 can not furnish a account without my written instruction. 15. U.s.c 1681c. ( a ) ( b ) section states : no consumer reporting agency may make any consumer report containing any or the following items of information. Any other adverse item or information other than records of convictions of crime which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

In XXXX this year, a guy going by the name of XXXX XXXX offered me a job in XXXX XXXX. As the position in question allowed me to work remotely, they sent me an email with a check which was supposed to cover the amount needed to buy " necessary equipment '' for the job. 
I scanned this check, and sent it to my bank ( USAA Bank ) in order to make a payment to the equipment vendor via wire transfer ( to a bank in Georgia ). 
By the time I realized what was going on, the check has bounced and the wire was already sent out from my end. 
USAA Bank did not ask any questions in regards to the check or the wire itself, gave me no warnings or exercised any security measures. 
I have been trying to get in contact with the USAA Bank and ask them to help me settle this matter and reverse the payment I have made, however all of my attempts to establish communication fell on deaf ears.
Product: Credit card

I closed my Citibank XXXX XXXX XXXX XXXX in the XX/XX/XXXX. I had no intention of re-applying for this product, but in XX/XX/XXXX, Citibank directly marketed this product to me with the promise of a sign up bonus of XXXX XXXX XXXX points after spending {$2000.00} within the first 3 months. I must stress that they sent marketing materials for this card directly to me and that I did not seek out this product. While I am not an expert on Citi 's policies, in the past, they have had a policy about obtaining a sign up bonus from the same product within 18 months from the date of the bonus being earned. Because I had held this product for at least 2 years and had closed the account more than a year ago, AND because they directly marketed the product to me, I assumed that I was eligible for the sign up bonus. Had Citi 's marketing not been sent directly to me, I would not have applied for this product. After making the minimum spend, the sign-up bonus was never released into my XXXX account I called customer service to inquire and they said that because I had held this product only a year before, that I was ineligible for the sign up bonus. This represents both a significant departure from their previous policy and more importantly, constitutes a false advertisement of this product.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I tried to open an credit card account with XXXX XXXX XXXX. I received a letter from them staying that I couldn't do to a credit freeze on my Equifax credit report. I called Equifax in XXXX and was told to mail in a copy of my driver 's license, my social security card and a letter stating to have it removed. I submitted everything requesting the removal in XXXX. Fast forward to XXXX and I am trying to apply for a mortgage loan and the lender is able to pull all my credit reports but Equifax due to a credit freeze on my Equifax credit report. On XX/XX/XXXX I called XXXX and was on hold for an hour before speaking to an agent. I explained to XXXX why I was calling and she stated she couldn't help me and had to transfer me to another department. Instead of transferring me XXXX hung up the line. I called XXXX again and was on hold for another hour and half just to speak with XXXX AGAIN at this point requested to speak with a manager or supervisor and was told by XXXX that leadership was not speaking to customers due to the COVID-19 outbreak as if thet was going to catch it through the phone. Equifax is a fraudulent company that places freezes and alerts on consumers files then refuse to remove them and under the fair credit reporting act credit reporting agencies are required by law to honor any request that consumers submit. Why Equifax didn't remove the alret when requested in XXXX needs to be investigated immediately because Equifax once again are not operating within the essence of the law
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus have dismissed my disputes in the past and requests for validation, the documents attached prove XXXX XXXX XXXX has not validated, but perjured themselves. I demand these accounts by XXXX XXXX XXXX be deleted immediately. See attached documents for supporting evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company CAVALRY PORT ( Original Creditor : 08 XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2600.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2024, I have been in contact with the XXXX XXXX XXXX at TransUnion, as my profile was locked and I was unable to perform any activity on it. During the call, I was informed that my profile was locked because there were XXXX social security numbers associated with my name, and that they had already escalated the case to remove the social security number that did not belong to me. On this occasion, case # XXXX was created, and I was informed that I should call back in 2 days to find out if the issue had been resolved. Consequently, on XX/XX/2024, I contacted them again and was informed that no changes had been made and that my profile was still frozen and locked, and I was advised to call back on XX/XX/2024. I followed these instructions to the letter and on XX/XX/2024, I spoke with a XXXX XXXX XXXX XXXXo request information and a temporary unfreezing of my account while the necessary modifications were made. This request was supposedly accepted, but this information is false because yesterday, XX/XX/2024, I made a credit card application which was put under review since they could not verify my credit history as evidenced by the hard inquiry that was placed. Consequently, yesterday, XX/XX/2024, I again contacted the support team and the advisor who answered my call informed me that no modifications had been made and that my account was still blocked, which is the reason why my credit application was denied. 
This situation is causing me significant financial and personal problems, as I own a company and rely on banking services. However, due to a system error, which I did not authorize or cause, I am greatly affected, and TransUnion is solely responsible for this issue. Therefore, I hereby declare that I will engage in legal proceedings for the economic damages caused. Nevertheless, I am once again submitting this request in hopes that the entity will resolve my issues by unlocking my profile, removing any information that is not mine, and unfreezing my credit profile so I can obtain financial benefits. My social security number ends in XXXX, and I request that this problem be resolved as soon as possible. Days are passing, and nothing is being resolved, which continues to affect me economically and financially. Not to mention the XXXX this situation is causing me, leading to XXXX XXXXd XXXX XXXX
Product: Mortgage

My loan was sold to PHH mortgage fro. XXXX and subsequently the new company changed my name from XXXX XXXX to XXXX XXXX. Every time I call of course its a problem since its two different names. I have no identification with the name XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to reinvestigate the disputed Accounts from my credit report as well as correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. I need you to correct the accounts listed below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
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 XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX 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 an 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: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/2XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports shows the information which does not belong to me. 

Earlier, The same issue happened to me in 2019. I created dispute and corrected everything. 

Now same issue happened to me recently. And someone unknown informations, inquiries and collection accounts are observed in my credit report XXXX  and Transunion are saying that information might be mismatched with someone else with similar name.. 

I have suffered a lot. I got denied for the government licence ( XXXX  ). I have been in process for correcting everything for more than a month. I got tired of making calls. This is wasting my time without even my fault. 

If XXXX and Transunion will not record my information correctly, how many times I have to create dispute in the future.
Product: Debt collection

Allied Collection Services has committed multiple FCRA and FDCPA violations by reporting an alleged, invalidated debt on my XXXX consumer report dated as of XX/XX/2021. I have sent documentation showing proof of this inaccurate account that they have listed along with proof of Allied Collection Services violations via regular mail and via electronically.

Allied Collection Services was already in violation specifically of 15 USC 1692, 15 USC 1681, and 15 USC 6802. But now they are also in direct violation of 15 USC 6821 as they know that they are intentionally disclosing false, fictitious, and fraudulent information to XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage at the clear violation of credit reporting laws demonstrated by the continued presence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, these inaccurate entries remain unaddressed. Your failure to remove these accounts, despite clear evidence of their fraudulent nature, blatantly disregards the laws governing accurate reporting. It is evident that the bureau is not fulfilling its duty to properly investigate and rectify inaccuracies. Furthermore, other credit bureaus have already removed these accounts from their records after the submission of FTC report and thorough investigation. Please DELETE them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX