23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a Best Buy card that's financed through CitiBank. I was told to call XXXX. I called that number and spoke to a woman that placed me on hold to process the application. After about 10 minutes I received a call from XXXX and it was a person asking did I just apply for a Best Buy card. Told her yes and that I had a rep on the other line from the Best Buy card services. She explained that was her that placed me son hold and that her calling me was apart of the verification process. So she stated that she had to do some more verifying. She stated that my cellphone didn't meet the requirements to send a one time text. ( Crazy thing is my cellphone that she called me on was the number that's on all 3 of my credit bureaus ). So she stated do you have any other Citibank accounts that's opened. I said " No '', I applied for a Home Depot card but they need more information to verify me that a woman called me and stated that I'll get a letter in the mail that I need to fax that letter and a copy of a utility bill in. She stated okay at this time we can't approve you and you'll get a letter in the mail in 7-10 business days. 

Called today and got the automated system that stated that my application was declined due to can't verify my identity. Please see the attachment. My ID and SS, current bill and credit report from XXXX. Please keep in mind she already called me on the phone number that's listed on my credit reports. 

Please notice that my XXXX credit report don't have any CitiBank accounts. CitiBank is bias and they won't give me a card. Keep in mind this same scenario occurred for the Home Depot Card I spoke to someone last week and I never received the letter in the mail for verification purposes, but they ran my credit. How convenient, they don't extend credit but make money off the amount of credit applications that they get in.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected.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

This is the 3rd time I'm addressing this concern with Equifax. I recently submitted a complaint to the CFPB XXXXRegarding that Equifax will not release my credit information to XXXX XXXX and XXXX. The never addressed my concerns and closed the case. Here 's their response : Company 's Response Please be advised that there are many different credit scoring models and they are derived from mathematical formulas which are calculated from elements on the credit file. Information is reported to Equifax continually and the content of your credit file may change, which may impact your credit score depending on the model. No score is part of the credit file and therefore can not be disputed. Please also note that lenders have their own criteria for granting or denying a service or benefit based upon any particular score. Please contact your lenders directly in regards to your application for credit. 


They have an automated system responding to the complaints as they should be fined for this for wasting the CFPB and my time. 

Also I signed up for a membership with Equifax and it was supposed to be {$1.00}, but they charged me that twice. This company is a scammer and instead of them doing what they're suppose to do they don't.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

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

I went online and wrote a letter to Trans Union and Equifax to inform them that the inquiries on my credit report do not belong to me. It was obtained fraudulently and they need to be removed. There was 174 soft inquiries 40 hard inquiries and the two bureaus refuse to remove them now I sent them information that they requested copy your drivers license copy utility bill and it has still not removed the unauthorized fraudulent inquiries.
Product: Credit reporting or other personal consumer reports

USA a determined my vehicle to be a total loss and agreed to pay me over {$8000.00} for the loss But it took them XXXX months to pay me During that time I incurred a XXXX XXXX dollar balance on my Credit card That I was only behind on 2 months with the same company USAA. I have since paid off the balance on my credit card, but as a result my credit has been damaged Because they took a long time to pay me so I wasn't able to pay them Until they paid me first. Not only that, but they reported my lateness to the credit bureaus and it was not even in collections.
Product: Money transfer, virtual currency, or money service

**NOT A DUPLICATE COMPLAINT. PLEASE RESPOND AND DO NOT CLOSE. ** ***Add-on to Case ID # XXXX*** I am still owed money for transactions I didnt make for a XXXX account which isnt mine. What you are committing is theft. I never created an account on XX/XX/XXXX. I have submitted proof already to your company and have told your company about this matter multiple times. Not sure why you are making up information and conveniently ignoring that as you put it in. You shouldnt refer to me as I in your response because I never made any purchases or opened this account. It is correct {$XXXX} for XXXX transactions have been made on this account, but I never started to contact that late on XX/XX/XXXX. It was a bit earlier that year because I wouldnt wait so long to contact XXXX The date you specified is when I started to contact your XXXX XXXX. Nevertheless, your review over my stolen identity concern which I specified is incorrect. I provided documents - multiple in fact - and gave you the ability to speak to my towns police chief detective on this matter. Of course, this was ignored. And I never gave you documents on XX/XX/XXXX. It took me a while to gather everything, but they were submitted to you around XX/XX/XXXX. No phone calls were made to me during this time by you to communicate it was not a case of stolen identity. I never opened any claims with you guys; I dont even know what terminology XXXX has because I AM NOT A USER IN ANY WAY. I dont get emails from you guys ; not sure why that was ignored when I made this complaint. Do a better job. This is theft you are committing. The information you have sent as a company response is untruthful and misinformed. You have conveniently forgotten details I made with my complaint, and are giving details you think are pertinent. They are not. Your back-end team has promised me a refund by giving me a phone call these past few months that I will be refunded. They have not been initiated yet. Im not sure why you need documents to get my money back. No company would ever ask for that, especially considering much of my information was sent to you in my police report. Everything is verified, but you are being stingy. I went to my bank first during the 180 day window ; they confirmed they were not able to help in this matter well after 180 days because I was still working with them. It has been very tough once I got word from them to get a hold of you. General phone support is filled with foreigners who dont know what theyre doing. I have to wait literally half my day on the phone. And Ive tried emailing since then to the email address you specified for further concerns. No response has been given from them, but your back end team who has called me these past few months have apologized and have granted me my money back because these types of situation warrant an exception, to put it in short. Youre more than welcome to give me a call back to discuss this matter. But I dont appreciate the lies you are telling and continuing to hold my money I never gave and permitted access to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates letters were drafted and sent via Certified Mail to the major credit bureau Equifax, in efforts to dispute inaccuracy in account information reported ; XX/XX/2018, XX/XX/2018. 

Credit accounts disputed XXXX Late payment ( s ) disputed XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize nor did I consent to these companies XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I send a letter to the credit company 's standing that my bankruptcy was placed on my credit, not by the courts, and need to be removed. The letter attached from the US court stating they do not report to the credit companies.
Product: Debt collection

HI BANK OF AMERICA ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Product: Mortgage

On XX/XX/XXXX, I submitted a request for mortgage assistance to my service provider, Selecting Portfolio Services, ( SPS ) for financial hardship that resulted from me being laid off by my employer on XX/XX/XXXX. My husband is our only income provider an his salary is not sufficient to pay the {$1900.00} mortgage and our other expenses. At the time I submitted the application, my account was current had been in good standing since SPS took over our account in XXXX. We used all of our savings and retirement money to keep our current from the time I was laid off up until XX/XX/XXXX. Since I had not found a job I requested mortgage assistance. On XX/XX/XXXX, SPS accepted my complete application. After that SPS started requesting information that was provided in my original application or provided prior to SPS acknowledging receipt of my application on XX/XX/XXXX, which continued to delayed the evaluation of my application for mortgage assistance. By the time SPS reviewed my application, my account was over 120 days past due. On XX/XX/XXXX I received a non-approval letter for all of the loan modification options. Justification given for the denial was the delinquency status of my account. On XX/XX/XXXX, I submitted an appeal to SPS on the basis of improper management of my application that caused undue delays in SPS timely reviewing my application by requesting information that had been provided in my application, such as the hardship affidavit and unemployment status which contributed to the delinquency status of my account and SPS non-approval of the loan modification and I requested that they reverse their decision. Today, XX/XX/XXXX I received a call from SPS indicating that my appeal was denied. Based on the last property evaluation I received from SPS, I have about $ XXXX of equity in my home. I believe SPS deliberated delayed reviewing my application, because of my financial hardship to force us into foreclosure. Requesting that CFPB investigate this matter and hold SPS accountable for failing to process my application in a timely manner.
Product: Credit reporting or other personal consumer reports

Well, I been tried the figure about credit score or reporting what kind of whatever I wasnt sure if that not sure how it working from what I never knew what is! however every time I wont get approved because I never knew what is my score reporting or credit and so on since I have no idea what is the score and so what I not sure how come to that I can not get any approve nor any way prequalified likely wont approved me ever since I had never knew what is credit or scores report the frustration all times I never got anything from there ever since that I trying tried every apply any credit but caused of what is issue wont approve me because of my credit or scores reporting?? Honest I have no idea how it work that what I still never knew what is scores nor that anyway. I need resolve the issue and whats going on even need know why either that I do complaint which should my rightly to know but I been very frustrated tried find way to able to get it instead said kept unfortunately not prequalified because of credit or score reporting likely I still never knew nor didnt get any know score credit nothing about, or any way from what my understand but why and I dont have any use credit card last in the old pasted thats it last. But shouldnt have any happened from there. So like I said need resolve an issue about where is any score is that it coming from?? And all I know nothing score of credit or reporting either.. I have no idea really. So from what I need know That is all I need know is a BIG Question the why! Seriously and need find out kind of issue though
Product: Debt collection

I was contacted and told that I would be sued and arrested  if I did not pay. I requested that the debt be validated because I had no contract with the company. I never received anything.
Product: Credit reporting or other personal consumer reports

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of XXXX days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX 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: Checking or savings account

I lost my card and when I went to the bank to receive my card, she told me that there was a hold on my account and that I needed to call someone so I called them and she said that there was a deposit made into my bank, which I did not make any deposits to my bank for {$13000.00}. So she tells me that my account is under investigation and therefore my account is closed and I cant bank anymore and Im telling her that like thats not something I did and I spoke to someone prior to my account being enclosed so I was just very confused.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. My Correct and only name is XXXX XXXX XXXX remove all misspelled names. My correct and current address is XXXX XXXX XXXX, XXXX XXXX, Md XXXX remove all old addresses immediately. 
The following accounts are in violation of 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ( 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: Credit reporting, credit repair services, or other personal consumer reports

Hello there, I have tried filing a dispute many times with Experian to have an incorrect address removed from my Experian credit report and somehow an incorrect address is always shown on my credit report despite the fact that my creditors like students loans has my correct address on it when Experian tries to contact the credit lenders and have my dispute solved my issue with the correct address. Other than that, I hope to have my issue solved as soon as possible so my credit report shows my correct address since I have moved. Attached below is a PDF of my bank statement which shows my correct address on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXXXXXX, XXXX OH XXXX. 
Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX , XXXX , VA XXXX XXXX XXXX XXXX, XXXX , VA XXXX XXXX XXXX CT , XXXX XXXX , VA XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Product: Credit card or prepaid card

Wells Fargo continues to insist that XXXX fraudulent charges made to my credit card ending in XXXX are valid. Both were done in XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX 

I am XXXX and can not drive and already provided medical evidence to Wells Fargo about my medical condition. My husband also sent a letter to Wells Fargo stating he never drove me to the locations where the fraudulent charges were made. 

Wells Fargo is accusing me of 1 ) filing a false fraud claim and 2 ) illegal filing a false police report for the fraudulent charges. This is defamation. They continue to say they are not insuating either 1 or 2 above but they are lying- they are saying it by default since they keep telling me the fraudulent charges are valid.