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

I have an account with Experian and even paid extra to get the range of possible FICO scores on my report so I could apply for credit cards between XX/XX/XXXX - XX/XX/XXXX. I used affiliate links through XXXX, XXXX XXXX and Experian that gave me approval chances of above 95 % and was rejected by all of them except the ones that came from Experian 's affiliate link with the highest APRs and annual fees. The rejection letters all cited Experian as their source and contained different scores for the same product ( credit cards ) applied on the same day, none of which matched the score given to me by Experian. 

The score given to XXXX XXXX and listed as their reason for decision is lower than ANY reported FICO score obtained on my file from any source. XXXX  listed a recent and severe delinquency supplied by Experian, which is also untrue as the only negative item occurred in XX/XX/XXXXand has been disputed ( will submit on another complaint ) and XXXX  XXXX listed too many inquiries but only when I applied for a XXXX  XXXX business card account through XXXX. The personal XXXX XXXX card I applied for via Experian on the same day instantly approved even though they had the same APR. I also got instantly approved for a XXXX XXXX personal card via Experian that day with a whopping {$400.00} limit. I've never had a card that small in all my 22 years of handling credit cards with limits past {$10000.00}. Hmmm ... I've been left with no business card for my new business, the only product I really wanted but can't get since Experian doesn't offer them and I can't meet their 5 personal card minimum to release me from their partner status quo regardless of my willingness to accept their awful deals because they didn't match me with enough qualifying offers and have provided bad info to everyone else who could. The fact that I've paid Experian TWICE for my bankcard FICO scores and still don't know what they really are since they tell everyone something different on the same day is unacceptable as is the fact that I got two of their advertised partner cards and they STILL kept sending bad info to any application not linked from their site. Oh, and beware of their Boost  propaganda that fails to tell you if you pay your phone or utilities with a business bank account rather than a personal one, they don't give you points for it. I had to call 3 times before I got an agent who told me why my Boost wasn't working even though my bank accounts are connected. What's with the small business sabotage and discrimination?
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong information Inquiry details these or not my inquires. 

XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX ( Finance XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX 2021
Product: Credit reporting

U.S Postal Certified Mail No : XXXX, FL XXXXCc : ExperianXXXX XXXX. TX XXXX. GA XXXX. P A XXXXXXXX, 2015RE : XXXXREQUEST FOR PROOF OF CLAIMAccount # XXXX*You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Florida Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:
Product: Credit reporting

While checking my personal credit report, I noticed an Employers listed as XXXX and XXXX on TransUnion credit report. I have never been employed by these companies. I am requesting that TransUnion immediately remove the unknown names of Employers listed on my credit report. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to correctly identify me in their system.
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Product: Checking or savings account

I had received a XXXX XXXX card and needed to empty the card and deposit the funds into my acct.. I entered the branch location at XXXX XXXX XXXX XXXX, XXXX, TX XXXX and was met with XXXX, condescending treatment.. 

I made an attempt to remove the funds, however the XXXX agent with the dreds was not being helpful, requested that a Mgr get involved.. I have the pin code on the XXXX card, have my BOA debit card, know the access code and everything.. However, I was refused service and pushed off onto the ATM machine inside. I had difficulty with the machine and left flustered and abandoned by BOA.. 

I was able to retrieve funds, however I was charged ATM access fee when, if properly assisted, could have avoided this service fee ... Additionally, due to this problem & impotence of the banking center agents, I failed to get $ $ into the acct timely and now suffered a {$35.00} overdraft fee ... 

Additionally, I am still being debited {$12.00} account fee on both checking accounts ; when I was once given free checking, safety deposit box ... etc due to my Platinum mortgage status. These fees are egregious and XXXX XXXX evident of need to reform the banking industry.. I strongly believe put all banking in prison, " We the People '' are sick and tired of being bled dry!!
Product: Debt collection

I had insurance at the time along with Medicaid. Medicaid paid bill in full except {$3.00} which is my portion.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness
Product: Credit reporting

I asked for full investigation including verifying all information which they did not do. Date Opened is not correct, where is the proof. The last activity date of XXXX 2013 is incorrect, the last payment was XXXX 2013. FCRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
Product: Mortgage

Ditech Financial LLC is my home mortgage company. Every year Ditech send me an ESCROW Refund due to overage then immediately go up on my mortgage payment due to insufficient amount in escrow account. They are running some sort of scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 2. The inquiry was not authorized XXXX, XXXX  Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. The following status is Incorrect and unverifiable XXXX XXXX Account Number : XXXX Delete this account. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. there is some inaccurate information reporting. XXXX XXXX XXXX  Account Number : XXXX Delete this account. 6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX 8. there is some inaccurate information reporting. Account Number : XXXX Please remove it from my credit report. 9. The account status is unverified and incomplete Account Number : XXXX Please remove it from my credit report. 10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 Fraudulently reporting XXXX XXXX  accounts showing on my Equifax Report with balances of $XXXX and $XXXX; There is also an unknown fraudulent account with a balance of $XXXX that was opened on XX/XX/2015 showing on my Equifax Report; and there is a fraudulent XXXX XXXX account showing on Equifax with balance of $XXXX. Please assist me in getting this account removed from my credit report. It does not belong to me.Also there many inquiries showing on my Equifax Credit report that was not authorized by me. Please remove the following inquiries:XXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint is against equifax for not properly notifying me with in 30 days on two separate complaints.

See pdfs for verification. 
One submitted in 4 dintvrecieve response untill 6 And another submitted on early 6 not revieving a response untill XX/XX/24 You details you will have to look at supporting documents. This complaint us against Equifax, not the companies which initiated the disputes. 

When directly communicated with equifax they say thier system shows a response from the companies with in 30days, but the documentation in pdf format shows that they failed to notify me with in 30days.,  they refuse to admit fault even when presented with the evidence of the pdf. The complaints came through the cfpb, responses should be returned via the cfpb so that is trackable by and independent third party, and not he said she. 

I am specifically not mentioning the names of the companies, because if I do equifax with despite the validity of the accounts reguardless of what my note says or the menus options pressed before this page. They are not handling complaints as requested by users. 

This is a complaint against Equifax for not updating me within 30 days of the initiation of an investigation.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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.

I am filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a loan account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/year> under the account number XXXX and a credit card account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I sold my house and paid off my mortgage of XX/XX/2021. On XX/XX/XXXX Lakeview Loan Servicing LLC sent a letter to my new address advising that the balance of my escrow account would be sent to me in 10 to 15 business days. On or about XX/XX/XXXX I received a letter forwarded from my old address stating they had issued my check for the balance on XX/XX/XXXX. I called and was informed the check was sent to my old address, even though they had my new address, as reflected in the letter of XX/XX/XXXX. I immediately called and they promised they would stop payment on that check and issue a new one to the correct address in 3 to 5 days. I called again 2 weeks later and was told the new check hadn't been issued yet but they would request it again and it would be sent in 5 days. On or about XX/XX/XXXX I called again and was informed the check was issued on XX/XX/XXXX. I called again today to tell them I haven't received the check. I was then told that the check would take 10 to 15 business days to get to me and there was nothing else they could do. It is my understanding they had 15 business days from XX/XX/XXXX to issue my escrow refund. They did not do this and don't care. Is there a penalty for missing that deadline? Even if they issued the check timely to the wrong address, it would have been forwarded to my by now. I believe they are intentionally dragging this out.
Product: Credit reporting or other personal consumer reports

The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To be clear, I did not apply for any of these accounts. You are reporting an inquiry that does not belong to me, which is a violation of the Fair Credit Reporting Act.
Product: Credit card

XX/XX/year> {$5.00}, XXXX XXXX  XX/XX/year> {$59.00}, XXXX XXXX. Both of these were charged to my PayPal account. 
I notified PayPal immediately that not only were these fraudulent but I had never even received an account number from PayPal so how was this charged? PayPal claimed that because they had my email it was accepted. Yet Ive received scams through my email so this makes no sense. 
XX/XX/year>, XX/XX/year>, XX/XX/year>, dates of three letters I received from PayPal claiming they are looking into the problem. 
XX/XX/year>, PayPal statement, {$150.00}, PayPal has added {$94.00} for???? 
XX/XX/year>, PayPal statement, {$160.00}, PayPal has added {$97.00} for????? 
XX/XX/year>, PayPal statement, {$120.00}, PayPal has added {$64.00} for???? 

Is this all a scam from PayPal???? 
No matter how many times I contact them they continue to conduct business as usual, if this is usual??
Product: Credit card

This is my second complaint regarding an issue with Bank of America. I was not able to log in to check the complaint status or add more information. My 1st complaint # was XXXX As stated in that complaint it looks as though my doubts regarding BOA 's veracity were confirmed. After not receiving my new credit card and my refund in the timeframe promised by XXXX in the fraud dept. @ XXXX I made a second call to the same dept. and spoke XXXX on XX/XX/2015 She looked up my claim and said that it had been withdrawn. I asked by who and she could not tell me, only stated that it was an oversight and she would correct it. I am livid that a BOA agent supposedly working on customers concerns would intentionally mislead and lie to those customers. XXXX took all of my information which took putting me on holds for a total of XXXX minutes, assured me my credit for a fraudulent charge would be credited to my account within 24 hrs and a new card would be in my hands within XXXX hrs. It looks as though the minute she hung up she intentionally and with malice withdrew the entire transaction. After speaking with XXXX who assured me of the same timeframes I DID receive my new credit card but have NOT received my promised credit. Can the CFPB help me before I have to pay a lawyer to file suit against BOA, which I should not have to do. At this point I am looking at BOA as if they are furthering the fraud that put me in this position to begin with.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 XXXXXX/XX/year>
Product: Debt collection

In XXXX XXXX, I paid off a title loan company that agreed to remove the debt collectors off my credit report. This title company had put XXXX debt collection agencies on my report for the same car but for different amounts, totaling to a little more than XXXX. I wanted them to sign a paper stating that they report it to the agenies as paid off and stated that they did not want to sign because i am not a lawyer. I called XXXX debt collection agency XX/XX/XXXX and asked why they did n't remove in and she said that she did n't even know I had paid it off and that she will not remove it until she gets paid her part from the title company. I have n't been on top of my report due to XXXX school. However it is hard to get a loan or get a business credit card when I am limited due to a poor credit score for a debt that has been paid for six months ago. I have contacted transunion and they had let it be and I continue to dispute it.