23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this CFPB complaint in pursuant to FCRA & 605B ( 15 USC & 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. This fraudulent, inaccurate, and false information consists of a personal credit card opened at XXXX XXXX, opened on XXXX XXXX under the account # XXXX, a personal loan XXXX XXXX XXXX account, opened on XX/XX/XXXX with account # XXXX, a personal credit card, XXXX XXXXXXXX opened on XX/XX/XXXX, under acct # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a listing of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned account 's, 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 the 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.
Product: Mortgage

I have asked why since XX/XX/XXXX that my payments {$800.00} started to increase greatly, to XX/XX/XXXX XXXX Each time I ask to refinace or ask about the HAMP or any other way that would help. I am told i don't qualify. I am told taxes and insurance are the reasons. 
I asked they send me itemized statements that included the statements they receive from my home owners insurance company and my local tax office. 
I send {$50.00} more each month than what is due. I am asking that someone please audit. They sent my tax mortgage statement and then another due to an error.
Product: Consumer Loan

Paypal has checked my credit for a loan with authorization I have called them faxed them a statement they have told me this would be removed as a hard inquiry against my credit report but it is still on my credit this was done in XXXX 2015
Product: Debt collection

ALDRIDGE PITE AND HAAN HAS BEEN DEDUCTING XXXX FROM MY ACCOUNT, CAUSING MY ACCOUNT TO BE OVERDRAWN. I'VE CALLED THIS LAW FIRM TWICE AND TOLD THEM I'D PAY XXXX PER MONTH, YET THEY DIDN'T CANCEL THE AUTODRAFT AND STILL HAVE ACCESS TO MY CHECKING ACCOUNT. { THEIR PHONE CALLS ARE RECORDED, SO THEY HAVE THE TAPES ON FILE. } I HAVE TO PAY OVERDRAFT FEES AND THEY CALL MY HOME DAILY. I SEND THE XXXX PAYMENT VIA CERTIFICATE OF MAILING, WHICH IS LEGAL DOCUMENT, AND STILL THEY ACCESS MY ACCOUNT, TRYING TO DEDUCT A XXXX PAYMENT THAT I CANCELED IN 2017. ALDRIDGE AND PITE HAS BEEN DOING THIS MONTHLY. THEY ARE ILLEGALLY ACCESSING MY CHECKING ACCOUNT.
Product: Checking or savings account

I do not live in the XXXX. I live most of the time abroad, serving at the XXXX University and working with the XXXX XXXX XXXX. in XXXX, XXXX. During the summers, I return to California. I use Wells Fargo for the vast majority of my banking needs while abroad, and for all of them when I am in California. 

Despite the fact I do not live in Indiana, they sold my account to a different XXXX  branch. They admitted this was a mistake during my first phone call, but then they never fixed it. I have been on hold for over 10 hours total on at least five occasions. My latest call took nearly two hours, but XXXX XXXX ( the customer complaints person ) refused to give me to a supervisor and was unwilling to help me. 

I want to keep my account with Wells Fargo. I do not want it to transfer to this new bank.
Product: Credit reporting or other personal consumer reports

I want these XXXX loan accounts removed under law that pass the statue date of 7 years which is illegal and by law under the Family Educational Right and Privacy Act of 1974 these should not be reporting on my reports. My other loans has been removed due to these laws and theses need removed as well. I will also seek damages as this has caused stress on me. The other law is the schools these loans came from has been closed and their accreditation has been revoked so that's another penalty that I ' am seeking damages for.
Product: Credit reporting

I am filing this complaint because Eqxuifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are Required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Someone opened a credit card under my name at XXXX on XX/XX/XXXX. Also, several other hard inquiries were made, which I do not recognize. I contacted the company and they agreed to close the account. So that account/card is not on my Experian report. But these hard inquiries are showing on my reports. XXXX has removed them. XXXX and Experian have not removed them. 

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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Experian Fraud Department XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have also filed a police report with the Detroit Police Department 3rd precinct the police report number is XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the collection account reported by XXXX XXXX XXXX in the amount of {$2400.00}, last reported on XX/XX/year>. I am requesting the immediate removal of this account, along with the original creditor 's information, from my credit report for the following reasons : 1. Violation of 15 U.S.C. 1692c Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), a debt collector must cease all communication with a consumer if the consumer notifies the collector in writing that they refuse to pay the debt. I previously notified XXXX XXXX XXXX in writing that I refuse to pay the alleged debt. Despite this notification, XXXX XXXX XXXX has continued to report the account to credit bureaus, constituting indirect communication that violates the law. 

The continued reporting of this collection account and the association of the original creditor information on my credit report represents a clear failure by XXXX XXXX XXXX to comply with the FDCPA. 

XXXX. Failure to Cease Communication Despite my written notice, XXXX XXXX XXXX has engaged in ongoing communication by reporting this account to credit bureaus. This indirect communication has caused undue harm to my credit profile and financial standing, in direct violation of my rights under 15 U.S.C. 1692c ( c ).
Product: Debt collection

Opened XX/XX/XXXX ( XXXX mos ) and the last time I went to XXXX XXXX XXXX XXXX was in XXXX or XXXX, I left this area since XXXX. How come it's open then XXXX? 

I have no idea what this debt is about. If it was for my kids whom had insurance by that time, it should not be under my name or in my credit report. And guess what we might resolve this in court because those emergency rooms always fail to charge the insurance companies which my kids have medicaid and now adding all this amount on my credit report. I'll give you 30 days to remove this from my report because it is proven that all my kids have insurance since day one and never cancelled. And in fact even so, should not be under my reports.
Product: Credit card

I have been approve a capital one credit card after been approve they froze the account because I have cards as join account and they think it 's fraud but any way the problem now after summiting my personal information they do n't accept my passport because they said its from different country they are so XXXX ...
Product: Debt collection

Subject : Dispute of Duplicate Account on Credit Report reporting duplicate account reporting to Credit Bureaus and negative reporting for the same account. 

To Whom It May Concern, I am writing to complain of a duplicate account on my credit report. Upon reviewing my credit report from XXXX XXXX XXXX and Lending Point noticed that there are two listings for the same account, which is causing inaccuracies in my credit profile.I never had a binding agreement with XXXX XXXX and now both are reporting negative for the same account number. 

I am requesting that the duplicate account be investigated and removed from my credit report as soon as possible to ensure the accuracy of my credit history. 

attached with this letter are copies of documents that support my claim, including I kindly ask that you investigate this matter and provide me with a written response confirming the removal of the duplicate account from my credit report.. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing to file a formal complaint regarding a collection account labeled " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Checking or savings account

Hello, My name is XXXX XXXX XXXX. Ive been trying for almost two months to retrieve my funds via a payment that was sent to my Chase account through XXXX. 

I had someone send me {$400.00} for an item I sold to them. The payment has cleared on their end and they arent unable to cancel the payment since theyve sent it already. I received an email alerting me that I would be receiving a payment from XXXX XXXX who banks with XXXX for {$400.00} on XX/XX/2019. I tried to accept the funds and I get a message on my account saying that an error has occurred and my email address needs to be added to my XXXX/XXXX. This is the same email account that Ive used for all of my XXXX   transactions and with Chase.. 

i try deleting and re-adding my email and it says that I have a pending payment but as of yet, the payment has not been credited to my account. I have called every number I could at chase and XXXX with no luck. I went into my branch to speak with a banker who was also of no help. Ive contacted Chase executives who also would not help me. Ive provided screen shots of my account to customer service and of the pending payment and Im still being told that they cant see it, when its clearly on the screen. 
. The sender of the funds now thinks Im trying to scam him because I asked a few times to cancel and resend the payment and has since blocked and cease communication with me.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Home Depot for Account Closure Without Proper Notification To Whom It May Concern, I am writing to formally lodge a complaint against Home Depot regarding the improper closure of my credit account and inadequate notification following their offer of a deferred no-interest payment plan to bring my account back on track. This action not only disrupted my financial planning but also appears to violate my rights as a consumer. 

Background On XX/XX/XXXX, Home Depot offered me a deferred no-interest payment plan as a resolution to manage my account effectively. I agreed to this arrangement in good faith, believing it would help rectify any outstanding issues. However, on XX/XX/XXXX, I discovered that my account had been closed without receiving any prior notification or explanation from Home Depot.

This sudden account closure has negatively impacted my credit score and caused financial inconvenience. I believe Home Depot failed to act in good faith and did not comply with proper notification procedures, which I understand is a fundamental consumer right under the law. 

Relevant Legal Precedent The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, establishes that consumers must be notified of adverse actions taken by creditors, including account closures. Furthermore, the Truth in Lending Act ( TILA ), 15 U.S.C. 1637 ( c ), requires creditors to provide clear and timely communication regarding significant changes to credit agreements. 

Additionally, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the Supreme Court emphasized the importance of providing consumers with transparent notice regarding changes to credit agreements. Home Depot 's actions appear to violate these principles by failing to notify me adequately.

Request for Investigation and Resolution I request that the Consumer Financial Protection Bureau investigate Home Depots practices in this matter. Specifically, I ask for the following : An explanation from Home Depot regarding the decision to close my account. 
Evidence of any notifications sent to me regarding the account closure. 
Reinstatement of my account or removal of any negative credit impact caused by this action.

Assurance that Home Depot revises its notification procedures to comply with federal laws protecting consumer rights. I hope these materials provide sufficient evidence to support my complaint. 

Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or XXXX for further information. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has closed my checking account due to fraud ; therefore, I did not benefit from the loan deposit. My XXXX  XXXX account was compromised and overdrawn due to identity theft. ( Account Ending XXXX ) XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$4500.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$2000.00}. 

I am a victim of identity theft and I never opened these accounts Please see the included FTC Identity Theft Report
Product: Credit card

As a potential customer at Conn 's HomePlus store ( Located in XXXX XXXX Texas at : XXXX XXXX ; XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX ), I was shopping for a new fridge. We were interested in the " in-store '' credit that was going to allow 12 months of interest-free financing. I was very clear that I did not want, nor would I apply for, a credit card. We were still deciding about which fridge to buy, so we decided to continue the process another day. 

I was contacted ( with my permission ) via phone by the sales associate who had been helping us. I was re-assured that there was no way I would be applying for a credit card " because that HAS to be done in person, '' and that we were simply applying for the in-store credit with Conn 's. 

I received a credit card in the mail from Conn 's a couple of weeks later.
Product: Vehicle loan or lease

On XX/XX/year> I filled the application for a loan with Mercedes-Benz of XXXX in OH, the same day I received a notice via email of the denial to provide credit on the basis of needing a co-signer and adding my income information. So I contacted the Mercedes dealer over a period of 3 days trying to request a copy of my application and finally spoke with the director of finance to see what was wrong and they said my application wasnt submitted to a financial institution yet I was denied the credit, now it was also stated that I could submit my application but I was going to get denied for surely which discouraged me but I wanted to pursue my liberty so I ask if I could receive a copy of my application so I can review it and I was told that the representative that provided me with the denial email would send it. Now I receive a text message from said representative and he basically tells me the link in the email had my application yet it was just another application form and they stated I need to fill out my private information or I cant even process my application to their financial institution which was misleading because the director just said I could, and when reading the application it literally states Participation in this service is completely voluntary and it is your choice whether or not you wish to disclose your personal information to us so I feel as if I am being discouraged, discriminated upon and misled Mercedes deprived my right to choice. Right to privacy and right to credit credit.
Product: Mortgage

The second mortgage held by Fifth Third Bank was discharged in bankruptcy in XX/XX/XXXX, and was not reaffirmed. We have no personal liability for the debt. We have been unable to make payments toward the debt from XX/XX/XXXX through the present. Our home appraises with negative equity, it 's " upside down. '' We have recently had the opportunity to borrow a small amount of money from family and friends to attempt to release the lien on the property. We have offered a lump sum payment to Fifth Third Bank on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, as well as several times in XX/XX/XXXX, including today, XXXX XXXX, XXXX. Fifth Third Bank has been belligerent to us repeatedly regarding the same, and has refused to negotiate with us in good faith. They have stated that they want the full unpaid principal balance paid. We have provided documentation to show financial hardship and a willingness to pay to release the lien, and they refuse to cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have sent multiple letters to this consumer agency to update my personal information, remove debts that do not belong to me, removal of Inquiries that I was not aware of nor authorized, removal of inaccurate information, updating my credit score, request to have verifications of debts mailed to my residence. I have asked for a copy of my credit report mailed along with my updated credit score. What is being reported in inaccurate information which has impacted my livelihood. For months, I have written letters to get updates and nothing has been done. Online, this account indicates that it has not been pulled since XX/XX/2022. This is abuse of power and bad business practices.
Product: Credit card

See my previous CFPB complaint XXXX The company did not make a valid response The Citi website is not functioning as promised and as designed. It will not allow electronic access to transaction. The website worked properly in the past, and my accounts with other banks do not have this deficiency, so I believe the problem is the result of some change Citi has made. I asked repeatedly for the problem to be corrected. I talked to at least ten people and countless robots. No agent knew how to fix the problem, so I was told the problem would be escalated and I was given case number XXXX. I called again today and could only reach a robot which said the wait for an agent would be over 30 minutes. I gave up and filed this complaint, hoping to get the attention of some responsible person at Citi The company did what they said they would do with my complaint No ADDITIONAL COMMENTS The company 's response acknowledges the problem is caused by a change in their system and not by error on my part. They go on to say they are attempting to determine the cause. They they contadict that by saying, as best I can interpret, the problem can be resolved by my following a link and registering my card accounts. However, that simply repeats the same problem I had before. Their system has shown all along that my card appears to be registered. In spite of that, their system regects my card with an error message that indicates the card is not registered. In other words, they have done nothing to solve the problem, and their confusing " response '' seems to repeat back to me what I already know. There is something wrong with Citi 's system Cards that are shown as registered on the bank website are regected as not being registered.