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

I have been dealing with major identity theft since 2022. I have filed a police report, submitted a complaint to you guys, and the credit bureaus are not taking it seriously. my house was broken into and I have been a domestic XXXX experience. i had a phone number to call before issuing credit. they have not been doing that. how do I know, the number is no longer in service and I couldn't get this information to get a car loan that I actually applied for but they keep issuing credit. consumers need help not machines at the credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA XXXX XXXX XXXX XXXX XXXX. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I sent in my disputes to XXXX, Equifax and XXXX to dispute addresses on my credit reports and the arrived to all 3 bureaus by XX/XX/2021. 

In the dispute I stated that the only address that should be on my credit report is the address that stated on my Government Issued Identification. Currently there is more than that address on my credit report. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items were supposed to be reinvestigated or deleted from my credit record within 30 days.

Not only were the inaccurate information not reinvestigated, It was done so by the E-Oscar system that these bureaus use. In the responses I received from XXXX, XXXX and Equifax, they didn't include any documentation of the reinvestigation they did to verify the inaccurate address. 

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This is my final attempt of disputing this with the credit bureaus as I have yet to see proof of their investigation of this matter. If the inaccurate name variations don't get removed I will be filing a complaint with the FTC and seeking legal action for every violation that's reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agency has refused to remove the false reporting on my credit report from the XXXX XXXX XXXX XXXX XXXX the existence of an abundance of evidence that shows that the XXXX XXXX Holding company made mistakes and it clearly stated that they did not have the expertise to properly dispute a charge. 

Inside of my written statement there is a link to the XXXX recorded conversation with the XXXX XXXX XXXX XXXX XXXX  : XXXXXXXX  XXXX where the XXXX XXXX XXXX representative clearly states that they are not qualified to dispute my charge, yet the credit agencies continue to post this delinquency on my credit account even though it was not my fault. The agencies have an obligation to look at both sides and make a determination with regards to who is telling the truth and not simply taking the side of the organization reporting the delinquency and to date the credit reporting agencies have not done so, they have simply rubber-stamped whatever the merchant says and posted the negative comments on my credit report in lieu of the abundance of evidence which shows that It was not at fault due to the merchants inadequacies related to handling legal disputes
Product: Credit reporting or other personal consumer reports

I have submitted the required information TWICE to place a credit freeze on my bureau via mail, as Equifax requires, although the other bureaus provide this service online without requiring the consumer to go to the expense of copies and postage and travel and expenses to get copies of proof of social security number and address. My original complaint, XXXX, was regarding having to incur costs to obtain what is supposed to be provided without costs. I have now received a letter requiring me to provide, for a 3rd time, the aforementioned information. It is clear that they have no intention of providing the requested credit freeze as required by federal law. 
As my social security number was hacked and they refuse to place the requested freeze is there legal remedy?
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to a time-barred student loan reportedly opened on XX/XX/XXXX, which went into default in XXXX. 

This account is reported multiple times on all three credit reports as separate names. See below for multiple names. Also indicated, is which credit report the account is on. I have also attached my credit reports for reference. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Through many  dispute attempts, I was unsuccessful in removing the duplicate accounts. Experian is the only updated bureau. 

There has never been a payment or payment agreement on this loan, nor any additional documented activity. Therefore, this loan is past the statute of limitations, and due to the age, ten years, should also have been removed from my credit reports. 

If there is documented proof that the statute of limitation was reset, I am formally requesting the proof. If I do no receive this information, I will consult legal representation.
Product: Checking or savings account

US Bank and XXXX card refused to refund us the money even though the merchandise had been returned to the merchant. As the receipt claims, the merchant never verbally informed us of their return policy before or during the sale. Only the seller showed us the items when we returned them the next day.
Product: Credit reporting

I requested a dispute with MIB about the information being reported by XXXX Insurance on my file. I explained to them that item is from XXXX, XXXX deletes that after 7 years, Normal credit reporting agencies delete info after 7 years. MIB states XXXX reported to them in XXXX, not my problem that is the date that they reported in on my file. Consumer Financial Protection laws protect comsumers from reaging information and it 's not even a debt, it 's information taken from my driving record which no longer appear on my driving record, that 's because dmv deletes it after 7 years, however MIB has n't deleted and it 's not A farmers insurance issue. it 's mib lack of understand of the fcra that i 'm protected under. 

i have attached the correspondence from XXXX as evidence that the incident is from XXXX and my current mvr that shows that incident is not longer on my driving record. I ask you once again MIB to delete those XXXX inaccurate items off my mib report. Again this is not an issue with XXXX Insurance, it 's an issue with MIB Reluctance to keep accurate information on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to Transunion. However the credit bureaus said they completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?
Product: Credit card

On XXXX and XXXX I was charged by Capital One XXXX $ cash advance fee on each occasion, both charges originated from purchase of good transitions and Capital One failed to proper flag the transactions, I have called their customer support line and have spoken with supervisor XXXX, who informed XXXX nothing could be done to refund the improper charges but not only that, but they will consider any XXXX transaction as cash advance therefore expect a cash advance fee charge if you use XXXX. This is outrageous that Capital One is just conducting wrongful appropriation of consumer funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX 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 have requested debt verification none has been given, I also have requested the purchase agreement between the collector and the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX acount # XXXX, XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  acount # XXXX has violated my rights. 15 USC 1681 Section 602A says I have a right to privacy. 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

When Citizens bank attempted to take an automatic payment for my mortgage from my checking account, they were unable to do so because of some large pending purchases I had on that day. I was never called, texted or emailed about this issue and instead it was reported to all XXXX credit bureaus as a defaulted payment. I only found out about this " late payment '' when I logged into XXXX XXXX and saw that my scores dropped by nearly XXXX points! Who knows how many payments would have been late had I not seen this. I called customer service at Citizens and I was patronized by the off-site associate and was told that there is nothing I can do about it. She said that they sent me a letter in the mail which I did not receive nor do I think that is an appropriate means of notifying someone of something urgent. I don't think this is good faith practice by them at all. I am able to pay my mortgage and what is owed but I want to rectify my credit impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, an account with XXXX was opened in my name. In order to open the account, an inquiry was placed on my Equifax credit report. 

Shortly after I noticed the fraud, I contacted XXXX about the identity theft and they responded by marking the account as fraudulent on their end. 

Six months later, the fraudulent inquiry was still on my Equifax credit report. I filed a dispute by mail with Equifax who promptly gave me a response saying they inquired with XXXX about the inquiry and determined it was factual. 

On XXXX XXXX, XXXX, I contacted Equifax to find out what my next steps would be and they told me I needed to request that XXXX send a request to Equifax to have the information removed. I called XXXX to make that request and was told that they had already taken all the necessary steps and that they would not be able to assist me any further. 

At this point, I feel like I am at a dead end and have nowhere to turn. I 'd like to get this last item corrected on my report after months of issues with all 3 credit reporting agencies and multiple creditors.
Product: Debt collection

I contacted all 3 credit bureaus advising them that I was XXXX and a victim of identity theft. And sent them proof ( XXXX number ) which they can look up. I sent power of attorney to release any validation. I never received, and even if they did not want to release information to 3rd party they still had a responsibility to send me information. 
Its been months and XXXX is still reporting on my credit by : DIVERSIFIED CONSULTANTS for {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this derogatory off my credit report for months. I have sent in 5 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Product: Debt collection

I have never created this account and never used XXXX, so I'm not sure why they're claiming that I owe them money.
Product: Credit card

On XX/XX/XXXX a charge was made for XXXX at XXXX and on XX/XX/XXXX a charge for XXXX was made at XXXX which I did not make or authorize. When I did review in detail my physical billing statement from Fortiva Credit Card Company I contacted them to file report regarding the fraud. I submitted all requested documents in timely manor to company. on XX/XX/XXXX I received a letter from Fortiva Credit Card Company Stating that " due to fact that I had accessed my online login and was provided with balance and transaction history prior to contacting fraud unit my claim was denied '' My issue is I have multiple credit card accounts all with various credit limits and various balances. I do not recall if I did login to my Fortiva account or not and if I did the fact that I did not notice fraud had occurred should not be a reason for Fortiva to deny my claim. As sated I do not keep track of all of the many credit cards that I have balances, I look at my billing statements when I get them and thats how and when I noticed the fraud charges and I contacted Fortiva soon as I noticed. PLEASE NOTE THE FRAUD OCCURED ON MY ACCOUNT ENDING IN XXXX I DO NOT KNOW THE FULL ACCOUNT NUMBER BECAUSE IT WAS LOST IN NEXT SECTION I WILL PROVIDE MY CURREND CARD NUMBER SO FORTIVA CAN PULL MY RECORDS.
Product: Vehicle loan or lease

XX/XX/XXXX- requested a payment due date change. Never responded to my request.XX/XX/XXXX- Told me I had to go 30 days late before they would assist me with payments. Called 1 day after due date and was told that was not policy and they would have helped before then. I requested the late payment be removed from credit report and they said they would have manager call. Toyota called 1 time and I called back. No one returned my call. I attempted 5 more times with no one helping or returning my calls. Was told they could listen to the original recorded call and correct my report if that was said. Will not call me back.XX/XX/XXXX requested statements from XX/XX/XXXX and XX/XX/XXXX. I believe the due date was incorrect 1 month. Ignored my request.

XX/XX/XXXX attempted to make a payment at XXXX on XX/XX/XXXX for a loan thats due XX/XX/XXXX. Website now says will not accept weekend payments. I have made many prior weekend payments without issues. System changed my date to XX/XX/XXXX and now will be late. No noticed was ever given they no longer accepted weekend payments.

XX/XX/XXXX- found my husbands ex-wifes parents phone number on my account. I googled the number and they came up. They are obviously calling people that have NOTHING to do with this account. Where and how did they get it??
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I Got A Alert That - Thanks For Taking The Time To Apply For A XXXX XXXX Credit Card And I Got Surprised I Didnt Apply Any Credit Card So How Come I Am Getting eMail. I Called XXXX XXXX Application Fraud Team And Spoke To Supervisor Ms. XXXX XXXX ID XXXX Location - Florida On XX/XX/XXXX..At XXXX And She Promise Me She Is Sending eMail To All 3 Credit Agencies To Delete It From My Record But Till Date XX/XX/XXXX. It Didnt Get Deleted or Removed From My TransUnion And XXXX 

I Waited For 30 Days And Called And Speak To So Many Manager / Supervisor At XXXX XXXX Application Fraud Team They Said We Already Informed Electronically To The Credit Agencies And Sent By Mail As Your Application ID : XXXX And The Letter Sent On XX/XX/XXXX To All Credit Agencies.. They Will Do It Whenever They Want.. 

So I Am Requesting You Please Help Me To Fix This Issue Because OfXX/XX/XXXX XXXX Fraud Inquiry Is Effecting My Crediancials With Other Credit Lenders And My Life And My Family Life..
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this XXXX concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities.
Product: Debt collection

On or about XX/XX/XXXX I recieved a telephone call identifying themselves as XXXX XXXX XXXX XXXX out of XXXX, California. I was informed after some initial banter, that they were attempting to collect a debt that supposedly was given to me in XXXX of XXXX. And the original company was XXXX ( XXXX ) loans. This company emailed me a letter stating the XXXX XXXX is prepared to close an account for the full balance of {$5400.00} no later than the close of business that day. I was also informed there was no grade period and if the funds were not received in their office by that time, the offer was null & void. Considering the original debt is supposedly {$900.00}, that calculates to a 792.82 % APR. 
Additionally once the funds cleared my bank, XXXX XXXX would release me from all claims and liabilities and their trade lines with major credit reporting agencies would be updated accordingly. 
I can not confirm or accept any claims that are not investigated establishing my ownership of this debt. Currently I possess no records of said transaction. At XXXX and XXXX  months since the supposed " charge off '' date of XX/XX/XXXX or the XXXX  years XXXX since the supposed initial date of this transaction, it may well be beyond any limitations. After some initial investigation on my own, it appears this company has been involved in class action lawsuits.
Product: Credit card or prepaid card

They closed one of my accounts with no balance on it due to inactivity. I have two accounts with them. One has a balance and one didn't. The last payment was made in XXXX of 2021 so the activity was less than a year ago. 

What they did is going to be very destructive to my debt to credit availability. It will cause my credit score to plummet. This is a snowball effect. Once this happens it will trigger other card to perhaps close accounts that I am not using and also cause other cards to lower my limit to my debt. This will send my credit score further plummeting. My current credit score is a XXXX. 

I rely highly on my credit as I am in real estate and work with lenders all of the time. I make my payments on my debt all of the time. I had a {$7800.00} credit limit with no debt on it. My card was not activated bc I didn't have it. There was no curtesy call, nothing. They emailed me XXXX hour before they closed. Then they say there is nothing they can do but have me reapply for credit. So I did. They denied me. Now I have another inquiry on my credit. 

They are going to cripple me for what I do in business by causing me a multitude of problems.
Product: Debt collection

Fox Collection Center is reporting accounts to the credit bureau that do not belong to me. I asked for validation of the debts that they were reporting and they all sent back statements with the WRONG address on XXXX out of XXXX of them that I have not resided. I gave them 30 days to validate, I demanded removal and they stated they dont report addresses. However, they are still reporting accounts to my credit file that hold addresses that I have never been associated with. How can they keep reporting a debt that doesnt even have correct information? This is unfair and scary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XX/XX/2021
Product: Credit card or prepaid card

Citibank changed the PO Box number to send bills and my bill pay service XXXX informed last XXXX that they had received some payments back to them. I called CITIBANK and they told me, indeed, the PO Box had been shut down and gave me a new address. I sent my bills there and they went thru. One year later, CITIBANK closed my account, accusing me of MISSING PAYMENTS. I didn't. They closed their PO Box . Outrageous.
Product: Mortgage

I have file two previous complaints with Loan depot for a lien this missed 3 times and predatory lending. Both previous complaints have been closed with a letter from XXXX XXXX stating they would assist with the lien ; they also sent an authorization form which I returned. The form was sent to XXXX XXXX XXXX, which to this day I have not heard from anyone, especially my point of contact XXXX XXXX. 

I have reached out to XXXX XXXX and left voicemails, and have not received a phone call or an email. It is apparent they are closing out complaints and not doing their part and just sweeping it under the rug. 

Furtheremore they have not even addressed the predatory lending allegations. I will attached the letter and pertinent documents to this complaint