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

I went to a first time home program seminar and they told me that I couldnt sign up because of my credit. I got a copy from the annual report and there are alot of items on my credit that is not mine. Please remove so I can co sign for my son a car. N/A ( Acct # XXXX XXXX  ), XXXX XXXX.XXXX  XXXX/XXXX-XXXX, XXXX, XXXX, XXXX XXXX XXXX. I also saw where my credit was ran several times and I went through it and these inquiries are not mine. I dont run my credit like that : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX.XXXX XXXX XXXX/XXXX.XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.XXXX  XXXX XXXX XXXX XXXX.XXXX. I have contacted the police and the people at FTC. I'm doing this on my own and need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I submitted a credit investigation request to the credit bureaus on XX/XX/2018. More than 30 days have passed, and we have yet to receive our results.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 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

Letters were sent to the respective Bureau requesting to validate the information that they have reporting on my consumer report on XX/XX/XXXX. A copy of that letter is provided. The bureau responded simply stating that at the items in question were certified as accurate by the furnished. As they did not provide me any documentation of how this information was verified and they did not provide any documentation on what they requested to verify. I sent the following letter on the following dates XX/XX/XXXX and XX/XX/XXXX and more letters following on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX a copy of this letter is attached. These letter letters show consistent negligence. I asked multiple times to provide me with documentation, I asked consistently to verify and provide these items on my report and to show me what was given to them to prove the validity of these items. This bureau reports a bankrupt public record that is verified I request that you the court 's proof and show me who verified this item. I have never received any documentation or proof this has been over a year of negligence and violation of my consumer right over and over.
Product: Consumer Loan

On or about XX/XX/XXXX i purchached a XX/XX/XXXX XXXX from XXXX in XXXX ca. For XXXXWithin two weeks the vehicle was towed XXXX they replaced a eater pump which again exploded cracking the block. I requested they replace the engine severral times and they denied my request. Knowing and willingly they they closed the first contract to sever my right to sue and opened a new contract for the sale of a XXXX which also had mechanical problems when i took it in they advisrd of a rotor replacement and did not repair any other parts neededwhich ate up XXXX tires it was serviced on the last day of the warranty. Thereafter it was repossed and i lost my evidence while in sear h of an attorney and now have no car and bad credit.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this accounst under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$25.00}, XXXX XXXX XXXX Balance : {$7100.00}, XXXX XXXX, Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX, Balance : {$32000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

they are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.
Product: Checking or savings account

On the day I filed my taxes through XXXX XXXX, I used their option to go through credit karma like I do every year. As soon as my refund was accepted, credit karma froze my account and sent an email saying there was suspicious activity on the account and for me to call the number listed to get it fixed. When I called the number, they told me they couldnt give me any information and that I needed to just wait until their resolution team emailed me. I told them I never received an email. I called multiple other times to try and get someone higher up on the phone to speak with but every time they told me they couldnt help or give me any information and for me to continue to wait for an email. About a week or XXXX later I got an email saying they closed down my account completely. Never got any type of email or phone call from resolution like I was promised. My tax refund is set to deposit into that account and now that they closed it I will not receive my return for who knows how long! I am so angry at the lack of notice. Its not right that they can do this. They could have waited until I got my refund before closing it. I never got an email from anyone at CK. I paid extra with turbo tax just to receive my refund early on credit karma. My account wasnt negative because they transferred my remaining balance to my bank account I had connected with them. They even sent an email saying they made attempts to contact me and that is a lie. They never even responded to my emails.
Product: Credit reporting or other personal consumer reports

After examining my credit report, I came across a few billing errors. The listed late payments dont match my usual payment patterns. Kindly rectify these mistakes and make the necessary updates to my account.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

My Citi Card Thank You accounts were shut down without any warning or notice on XX/XX/2020. With the card being shut down, over 1 Million Thank you Points immediately " vanished ''. I was told by a Thank You Points representative that I would have 60 days to transfer out these points I feel that Citi was deceptive in their advertising practices by allowing me to earn all of these Thank You points, and then closing my account without any notice, thus giving me no opportunity to redeem my points.In addition, I was compiling these points in order to take my family on a vacation soon. I have also been told by representatives it was smart to save up all of these points rather than use them immediately. Taking these away is an unacceptable and unethical business practice that is unfathomable during a pandemic and during the holiday season.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and 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 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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit card or prepaid card

I have communicated with Discover Card via certified letters explaining my hardship and the financial condition I'm in due to unexpected XXXX XXXX and subsequent health problems. Due to health problems I am no longer able to work and provide the income that I had prior to my health problems. I have appealed to Discover Card Office of the  President on four different occasions explaining to them what terms would be feasible for me to sustain. Discover Card has not attempted in good faith to assist in resolving my dilemma. There has been no flexibility by Discover card a reasonable fixed lower interest rate, a reasonable monthly payment, and under a 60 month plan to pay off the balance. Discover card has merely offered the same standard plans of two options with exorbitant terms that in essence doesn't segway into the opportunity to pay off the debt in a reasonable time. The only response Discover Card has made is the standard option they offer to every customer as a one option fits all.
Product: Debt collection

Good morning! I am filing a complaint against this debt company because I had not been properly contacted by them regarding the debt. I also had no affiliation with XXXX XXXX  since XXXX but this account shows that it was opened in XXXX of XXXX with XXXX different dates. I tried to pay this debt as soon as I was made aware of it on XX/XX/XXXX ( I found out by having a company run a credit report to find out why my credit score dropped ) by calling CACI and going on the designated website but I needed a reference number in order to complete the payment which I dont have because they never contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I seem to keep having a problem with Equifax with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf. 1. XXXX XXXX  ( XX/XX/XXXX ) Not Mine 2. XXXX XXXX XXXX ( XX/XX/XXXX &XX/XX/XXXX ) These are not mine
Product: Credit card

When making a CC payment online using the BoA website on XXXX XX/XX/year>, The account overview indicates a Statement Balance of {$1000.00}. See attached screenshot 01. 

This statement balance was paid in full on XXXX XX/XX/year> and is therefore not owed to BoA as of that date. See attached screenshot 02. 

When I clicked on the " Make payment '' button ( from attached screenshot 01 ), this presents the " Make payment '' dialog box. When I clicked on the " Amount '' field, the resulting drop-down is populated with Statement Balance : {$1000.00} as a payment option, this amount was paid in full on XXXX XX/XX/year>. This amount is NOT owed to BoA and is {$440.00} more than the {$580.00} Current Balance, also included as a payment option. See attached screenshot 03. 

Inclusion of an amount that has already been paid, as a payment option, is in my opinion, a deceptive practice intended to mislead customers into paying amounts that are not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I was notified by the company Transunion that They have received my information and my dispute letter. Still, unfortunately, they could not investigate it since they think I did not correctly authorize it and they think it was by a credit repair company. 
I've been dealing with this same XXXX  issue with Transunion for months, I'm starting to get frustrated and annoyed because I now feel like my rights as a consumer are being played with me. How is it within my rights to be able to challenge anything that I feel is inaccurate but every time i send a letter I got the same response back???? 

Please advise and help me fix this thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting multiple inquires that do not belong to me. I had never made any inquiries on these accounts. Please see accounts listed below : XXXX  XXXX XXXX  XXXX ; XXXX XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX ; and XXXX  XXXX. 
XXXX is also falsely reporting multiple inquiries as well that do not belong to me. I had never made any inquires on these accounts. Please see accounts listed below : XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX  XXXX XXXX  XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX  XXXX ; XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX. I do not recognize ANY of these accounts and have never made an inquiry to these creditors. This multiple reporting of inquiries that are not mine is seriously harming my credit score and these items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Checking or savings account

On XX/XX/XXXX, I opened a new checking account with Chase online. The account set up process was seamless and included an identity verification check as well as a XXXX XXXX report. Upon opening the account, I immediately funded it with a XXXX transfer from my account at XXXX XXXX XXXX. I assumed the entire process was fine and I would have no issues as I've been an existing Chase customer and had a relationship through my Chase Sapphire Preferred card. 

On XX/XX/XXXX, I received an email from Chase informing me that my account was restricted and that I had a new letter on my online portal. The letter informed me that my account was being closed but that I had the opportunity to prevent the closure if I called XXXX. Later that evening, I called the XXXX number and spoke to a representative that informed me that I needed to verify my address using 2 forms of ID at a local chase branch. 

On XX/XX/XXXX, I went to my local Chase branch ( XXXX XXXX, FL XXXX ) where I was informed that there was nothing they could do to prevent the closure as the account had already been closed and could not be reversed from their side. I tried to explain that I had called only yesterday and spoken to a representative who said the only thing I needed to do was verify my address. They said that there was nothing that they could do to reverse the closure at the branch except schedule another appointment next week to open a new checking account. I was told I would be mailed a check with the money I used to fund the account.
Product: Mortgage

Mr. Cooper purchased/began servicing my loan prior to the first payment ( XX/XX/XXXX ). When my tax payment statement was originated for XXXX ( XX/XX/XXXX ) for use in filing my taxes for the XXXX tax year the form was incorrect. I have repeatedly reached out since XXXX and received no resolution. I have talked to the escalation team many times since this occurred with no assistance. I have been told it was forwarded to the wrong department in their error. I have been told that individual ( s ) have left the organization who were responsible for my request. They have passed every date of resolution that was proposed by them. I am unable to file my tax return until I received a corrected form. Every representative that I have spoken to has conceded that the tax reporting appears to be incorrect ( this is related to my PMI insurance reporting ). At this point I'm unsure of what to do in order to move this forward to resolution. It is my understanding that Mr. Cooper has faced significant fines for similar conduct in the past, but they do not appear to be resolved.
Product: Credit reporting or other personal consumer reports

THERE ARE FRAUDULENT ACCOUNTS, INCORRECT PERSONAL INFORMATION, AND UNAUTHORIZED HARD
INQUIRIES APPEARING ON MY CREDIT REPORTS AND I WANT THEM REMOVED IMMEDIATELY! THEY DO NOT
BELONG TO ME! THIS IS MY 3RD TIME WRITING YOU, REQUESTING "PROOF OF CONTRACT" FROM THE CREDIT
BUREAUS AND THE COMPANIES LISTED IN MY IDENTITY THEFT REPORT AFFIDAVIT!
FRAUDULENT ACCOUNTS FROM XXXX  AND EXPERIAN: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

My Bank, Wells Fargo Bank in XXXX, WI suddenly changed a practice from the one I was accustom to doing my banking based on, to one that I was completely unaware and unfamiliar with. This change resulted in me incurring over XXXX in overdraft fees over about a two week period of time, before I was able to learn what was going wrong. The changed practice was to start assigning the prior days date to transactions that arrived at the bank after either XXXX or XXXX. In addition they took overdraft protection off my account after persuading me to switch to a different type of account without informing me that this new type account would not include overdraft protection. The combination of this two events at the same time resulted in me paying all those OD fees on my checking account while having money in my savings account that could have covered the purchases had I been aware. But by assigning the prior days date by the time I became aware the overdraft fee was already applied. Additionally, I was in communication with Wells Fargo bank daily trying to get a handle on the situation. However, it was not until toward the end of the situation that bank staff informed me about the removal of my overdraft protection and the new practice of assigning the prior days date to charges coming through after a certain time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Product: Credit card or prepaid card

I opened up a paypal account for my boyfriend to receive his unemployment payments ... The transactions went through with out a problem up until XX/XX/2020 when a large deposit was made and PayPal instantly put limitations on my account which left me to not be able to transfer the funds to my debit card in other words they are holding my money hostage! Ive called Ive sent messages Ive done everything possible to reach them and I get the same answer every time ... Im told that Im not longer able to use PayPal that I went against there agreement policy and they are holding my funds for 180 days! Ive uploaded information proving who I am and my boyfriend is and that we live at the same address I uploaded both ID and utility bills with one in his name and one on my name showing the same address ... still have not heard a word for them! This money is vital to our survival, how can they hold people unemployment payments!! Im not the only consumer with this issue they have been doing it to everyone! I need help!