23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I was informed by a financial institution that my credit had a credit alert. I was concerned because I had not place one since 2008. Back then I placed this alert as part of the products that Equifax was servicing my account. However, few years after I requested this feature to be removed. 
As I delved into the details of what was happening, I was told that even though a request was made year ago, there is circumstances that require adding these feature without my consent. Those instances were thirdd party involvement, etc. I became more troubled because this oversteps my rights to be informed of what happens with my credit. 
I requested that the fraud alert be removed. Another issue that has not been addressed in the past and I have gotten tired of the run around is my inability to access credit reports ( adverse actions or yearly credit reports ) online. There is a blockage autocratically imposed on my profile that restricts me from gaining access to my credit report. I have not been successful at doing this process online. 
Lastly, the request for additional information anytime I request a credit report. This information has been verified with the security questions. Also, my credit profile has my personal information submitted few years ago. Why do I have to do this process again? 
The ultimate challenge is when I dispute information ( with a representative ) and I do have to explain myself ( detailed ) because I am questioned about the reasons why I want it to be investigated. I understand that some information has to be explained, however there are limits. The questions asked by XXXX, the representative overstepped those limits.
Product: Mortgage

US BANK has been overcharging me on my home owner 's insurance coverage since XX/XX/XXXX for the amount of {$32.00} a month every month. This charge is billed as " overage/Shortage ''. 

This charge is billed in addition to my monthly Home owner 's insurance in amount of {$32.00}. 

My monthly insurance premium for previous year XX/XX/XXXX to XX/XX/XXXX was {$27.00}. My 12 month premium was {$320.00}. US bank mailed me a letter saying XXXX XXXX is not enough so I contacted XXXX XXXX & increased the coverage. My 12 month premium during the renewal increased to {$390.00} and I should be paying only {$32.00} a month for 12 month. But US bank has been charging me {$32.00} extra every month since XX/XX/XXXX as " Overage Shortage ''. 

I am already paying the increased rate of {$32.00} from {$27.00} so I should NOT charged extra {$32.00}. I have contacted XXXX XXXX, the insurance company and they told me they were NOT paid any more by US bank then what I have been paying US bank. I have called and spoken to US bank agents and supervisors but they have not been helpful in resolving the overcharge issue.
Product: Debt collection

Received phone call from XXXX claiming that they are attempting to serve notification to me at my employment and residence ( for a charge off debt from 2001 ) and must call them back to make arrangments. When I called back, they stated that they were a 3rd party attempting to collect a debt and that the credit card company re-initiated a court claim against me where they can put judgement against me for up to $ XXXX. They pressured me to make a payment arrangement if they took a large percentage off the original balance due, then asked for my credit card information as a good faith attempt for not being sued. They promised to send me documentation via email as proof of them being a 3rd party representation. I was stupid and gave them the CC number in good faith. They took money out of my checking account for {$200.00}. The bank said that the transaction was from XXXX XXXX XXXX ( XXXX ) at a XXXX ' area code telephone number ( XXXX , XXXX ). I called the XXXX ' area code number. The representative that answered said that they were a " child support/check recovery '' agency in XXXX, XXXX -for the state of XXXX . I live in XXXX ( and do n't have chilcren, nor do I write checks ). The rep was good enough to run my name through their database, to see if my name came up and if my identitiy was compromised. Nothing came up and she suggested I call the police. She also disclosed that their agency have received a flood of calls of this type within the past two months. I got the money back from the bank and put in a fraudulent claim. Now, these scammers are relentlesly calling me 3 and 4 times a day from the same XXXX telephone number. I did some checking and the call is coming from somewhere in XXXX. I called them right back and told them that they have been reported to the police. DO NOT TALK TO THESE POEPLE FOR ANY REASON!!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I was promised on the XXXX that i will be receiving a check for the money i was owed i need that check and information. I will be contacting lawyers for all of your false promises i keep receiving from your company.
Product: Vehicle loan or lease

Debt is reported as charge off/written off. I am requesting a 1099-c cancellation of debt from the lender that forgave the debt
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I purchased a XXXX XXXX XXXX money order in the amount of {$79.00} at XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX My money order was stolen by XXXX Postal Service and altered and cashed by Old National Bank in XXXX IN XXXX XXXX XXXX XXXX. Im asking that my money be refunded back to me and {$15.00} for copy of money order and {$15.00} for faxing a copy of money order and also {$100.00} for stress and interest, which I feel is fair for all the calls and gas money am spending to get my money back. When I call old National bank Im placed on hold and no one answers my calls. Also my payment was for my car insurance and my car insurance was canceled due to this matter and I had to pay another premium of {$49.00} to reinstate my insurance.
Product: Prepaid card

On the day of XX/XX/year> I purchased a American Express giftcard with the amount being {$170.00} inputted inside of the card. However, when I tried to use this giftcard to buy an online purchase, the card declined. I went through multiple online websites to see where I could use the card and it seemed to have been declined everywhere I went. When this problem kept occurring I called the helpline multiple times, each time they seemed to have tried to blame me by saying I was inputting the giftcard information incorrectly, which infact was not true. I had put in the information correctly and yet the websites continued to decline my form of payment.
Product: Debt collection

Had a XXXX card in XXXX. It went default. Another company bought the default and that I made some payments to prior to XXXX but there was never a signed agreement. Now 14 years later they are constantly calling daily, and recieve 2 or 3 notices a week in my mail threatening credit reporting and further actions if I don't pay immediately. The XXXX  amount was XXXX dollars. Lake city credit on XXXX XXXX TX bought it and and charged XXXX. Now tacking on interest of XXXX and demanding XXXX. Texas law can only hold a default for 10 years. Remember that I have never signed an agreement
Product: Debt collection

PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Money transfer, virtual currency, or money service

On Saturday, XX/XX/2019 a post was posted by XXXX XXXX XXXX on XXXX XXXX for a washer/dryer. She said she would hold the item for a deposit. We are moving some time in XXXX, so holding an item until then is ideal for us. I messaged her and she said she would hold the item as long as we need. She requested I pay her husband on XXXX via $ XXXX ( listed as XXXX XXXX ). I confirmed this was her husband and I paid {$170.00}. The next morning, the post on XXXX XXXX had been removed completely ( not marked as sold ), and our entire exchange on messenger was gone. I sent her a message asking for her contact information for future reference and she will not answer. I have requested my money back from her and her husband with no responses. I have filed a police report and reported her to XXXX. 
I filed a claim with Chase bank and initially they said that with XXXX XXXX there is nothing they can do. XXXX XXXX support told me that my bank should be able to file a dispute. I called Chase again and re-expained my situation, so they filed a claim. Chase put {$170.00} into my account temporarily. I received a letter on XX/XX/XXXX from Chase stating they completed the research for the claim and found that the transaction was processed correctly or authorized, and they would be removing the {$170.00} that they put in. On the letter it stated I could contact Chase if I would like to request the information used in their research. I contacted Chase and requested the information, which they said had to be sent by US mail. I had already been denied an initial request for the information of their communication with XXXX XXXX for unknown reasons. I am now waiting for the research information, which does not sound promising.
Product: Debt collection

The debt is a collection agency claiming they have a debt from XXXX. This is not true and I have disputed this multiple times with the collection agency and the bureaus. This is directly affecting my ability to get approved for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please delete the late payment from this account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft as a result of a data breach. Fraudulent accounts and unauthorized inquiries have been opened in my name without my consent. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit file immediately : Accounts to be Blocked and Deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing a formal complaint regarding inaccurate information on my credit report that has not been addressed despite my prior attempts to correct these errors directly with the credit bureaus. My credit report currently lists several inquiries, addresses, employment history, and name variations that are incorrect and were not authorized or associated with me. Specifically, I am seeing addresses where I have never resided, outdated employment details that do not reflect my current or recent work history, and name misspellings that create confusion and suggest identity inaccuracies. Additionally, there are unauthorized inquiries that I did not initiate, which may have been added without proper verification. I believe this incorrect reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and fair reporting. I am requesting the Consumer Financial Protection Bureau 's assistance in ensuring that the credit bureaus conduct a thorough investigation and promptly correct these inaccuracies. These errors are affecting my credit profile and could impact my ability to secure credit, housing, and employment. 

INQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY -XX/XX/XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XX/XX/XXXX INQUIRY - XXXX - XXXX INQUIRY - XX/XX/XXXX INQUIRY XX/XX/XXXXXXXX INQUIRY - XX/XX/XXXX INQUIRY - XXXX - XXXX Incorrect Name : - XXXX XXXX Employer -XX/XX/XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, GA XXXX Employer - XXXX Incorrect Name : - XXXX XXXX Employer - XXXXXX/XX/XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, GA XXXX Employer - XXXX Incorrect Name : - XXXX XXXX Employer - XXXXXX/XX/XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, GA XXXX Employer - XXXX Listed below are the Inquiries that are being challenged INQUIRY - XX/XX/XXXX XX/XX/XXXXXXXX INQUIRY -XX/XX/XXXXXXXX INQUIRY -XX/XX/XXXX INQUIRY - XXXX - XXXX INQUIRY - XX/XX/XXXX INQUIRY - XXXX - XXXX Employer - XXXXXX/XX/XXXXXXXX Incorrect Previous Address : - XX/XX/XXXXXXXX, GA XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, GA XXXX Employer - XXXX XXXX - XXXX - XXXX INQUIRY -XX/XX/XXXX INQUIRY -XX/XX/XXXX INQUIRY -XX/XX/XXXXINQUIRY - XX/XX/XXXXXXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY -XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account is with Marcus by Sachs. My old balance and account shows as open on XXXX. I made a dispute and XXXX has reaffirmed the information. Although its inaccurate. Goldman Sachs has sold my account back in XXXX of 2023. Now both this account and the other account with the same account details show up on my credit report and it looks like I have more loans than I actually do, since its the same loan. Its negatively impacting my credit. I would like this removed from my credit report as they are no longer my creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One stated XXXX reported my account as fraud. They closed my account and I do not have access to my account online. They waited two months to send me a paper stating my bill is 2 payments behind. They are reporting that they aren't opening the account back up due to fraud, if it's a fraud account I shouldn't be responsible for the account and it shouldn't be hurting my credit by 20 points with them reporting it past due. They waited two months to send me anything about my account being past due. The letter was issued on XXXX XXXX and this issue has been ongoing since XXXX. I sent in the paperwork to show my identity. Capital One is telling me that they can't reopen the account once it's closed as a fraudlent account. I want the late payments removed from my credit reports. I don't want another account with Capital One after all of this. This is the most pitful experience I have dealt with with any company. They reported this was reported by XXXX and it's not showing on my report with them. My account ends with XXXX
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CITIBANK N.A. 
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion 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 : XXXXXXXX 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

Ive sent multiple disputes to the credit bureau via mail. I sent them all certified mail and I have return receipts. I have spent a lot of money just trying to communicate with them however they have not given me any help. I asked them for proof of verification and they havent responded to me at all. Its been well over 30 days and Im just trying to fix my credit so I can live a normal life. The accounts on my report are unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to fix my credit, the three credit reporting companies have been showing me a higher score then what its been sending to people that inquire. as of right now XX/XX/2023 my experian shows XXXX and when I tried to refinance my auto loan through XXXX XXXX  on XX/XX/2023 they pulled a XXXX from XXXX, but used an experian pull for my when my wife tried to do the same. 
I have been paying 30 % interest on an auto loan for about two years and can't get a better rate because of all the inconsistencies with the reporting bureau 's and the choice to use on instead of the other is causing me to pay an outrageous fee to own a vehicle.