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

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

Heating service claimed they checked my furnace and that the heat exchanger was cracked. They tried to sell me a new furnace. My wife says the worker did not even open his tools and certainly was not there long enough to have checked the heat exchanger. 
When I re-checked the furnace, It took 5 minutes to find the exhaust outlet clogged with coke from the exhaust pipe.I discussed this with the heating company and got no satisfaction. The credit collector got the same explanation and very clear pictures. they never replied to my picture evidence. But filed this none payment. This is abuse.
Product: Mortgage

Last year on XX/XX/2017 we experienced a house fire in which we were promptly compensated through our insurance company XXXX. My mortgage company PNC refuses to release insurance funds to make repairs to the damaged done to our home. Because of their actions I am unable to pay my contractor or reimburse my self for the work that I completed on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXi noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Product: Mortgage

On XX/XX/XXXX, I originated 6 loans with XXXX XXXX XXXX in XXXX XXXX South Dakota. I made all 6 XXXX and XXXX payments to XXXX XXXX XXXX. 

Sometime in XXXX, 3 of these 6 loans were sold to XXXX XXXX XXXX XXXX. On XX/XX/XXXX, at the direction of XXXX customer service agent, I signed up and created my credentials on XXXX XXXX Secure Messaging System Portal. Through this portal, I made all 3 loan payments. Also on XX/XX/XXXX, I enrolled into autopay for all 3 loans ( see attached confirmation emails ). 

On XX/XX/XXXX, our office received a call from XXXX XXXX XXXX XXXX collection agent. I returned the call on XX/XX/XXXX. I was told that I hadn't made payments since XX/XX/XXXX. The checking account enrolled with autopay maintains a very sufficient balance to cover all payments. I don't monitor this account, hence the function of autopay. 

I immediately inquired with the XXXX representative regarding their reporting to credit bureaus and was informed XXXX has been reporting the derogatory items to the credit bureaus. I informed them that I could make all payments immediately and requested XXXX retract the derogatory credit reporting items. I was passed back and forth between XXXX XXXX. I was initially instructed that XXXX couldn't make any changes to their credit reporting and would have to contact the credit bureaus directly. Then another XXXX representative told me to write a letter to their research department and they'd look into it ( see attached letter & XXXX response ). 

Given the conflicting responses and lack of concern for my credit and my financial future, I declined making payments. I inquired with my legal counsel as to next steps and direction to resolve this matter. I was advised by my counsel to make payments and bring account current. On XX/XX/XXXX I tried making this payment. However, after receiving an update of address letter on XX/XX/XXXX ( see attached ), XXXX commenced foreclosure with the a letter from XXXX, XXXX XXXX XXXX ( see attached ). 

I have never received physical mail prior XX/XX/XXXX from XXXX XXXX XXXX XXXX nor had I received any notifications of cancelled auto pay via XXXX XXXX Secure Messaging Portal. 

I was told my a XXXX representative that XXXX was using the wrong mailing address and that their system had noted mail being returned from their mailing address on file. 

My closing disclosure documents with XXXX XXXX denote my personal home address as my mailing address. XXXX has my personal address in their files. 

I need XXXX to correct their mistake and remove all derogatory credit reporting. 

I've spent many hours trying to remedy this with no help from XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several significant mistakes and discrepancies found on my credit report, which was recently obtained from your agency. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the information being reported by your agency. 

Upon careful review of the credit report, I have identified the following errors and inaccuracies : -- -- XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

In 2021 I lost my job and had to take utilize my 401k to survive. Although I knew my money was limited my I was still making the minimum payment on all of my credit cards. Out of no where my credit card was closed. Which of course impacted my score. I couldnt make the full balance due but I still paid the minimum.
Product: Debt collection

Received a call from this company saying they were going to sue me for a XXXX dollar debt. I thought it was a scam until I seen it on my credit report. Told me they will garnish also my wages if I did n't set up a method of payment that day.
Product: Credit reporting or other personal consumer reports

Need to remove negative items for missed payments per law!
Product: Credit card or prepaid card

I got the CitiBank XXXX XXXX in XX/XX/XXXX due to a promation giving 50,000 miles. I remodel and resell houses so I make a lot of large purchases. The probelm began when I purchased a house in XXXX and wanted to build miles so I charged to the XXXX XXXX Since it was just opened, my credit limit was only {$7500.00}. When I got near that amount, I would pay off the card so I could continue to use it. 
The issue is that Citibank " holds '' the payment for 10 days although this is an electronic transfer payment directly from a bank account. I have an XXXX, XXXX XXXX and XXXX cards ; none of them do this. You pay by the time of day stated and it's posted that night. I thought the " holding '' period seemed convenient for them as the statement closed on XX/XX/XXXX so they would have to have it posted before the next bill went out. Maybe, maybe not but I couldn't ignore it. 
I called several times about this. The last time was after I made a payment for {$7800.00} from a XXXXXXXX XXXX account that posted in my account on XX/XX/XXXX. 
( XX/XX/XXXX XXXX - XXXX XXXX Credited {$7800.00} ) When it had not posted by the XX/XX/XXXX, I called and was told it had to clear to be sure the money was in my account. I countered that if the money wasn't in my account, they wouldn't have paid it. He then said if I paid by debit card it would clear immediately ; well, that is basically what I did. Payment from the bank is exactly like using a debit card remotely since it was impossible to swipe a bank card to pay it. We had additional conversation about it including that it wouldn't " clear '' until XX/XX/XXXX. This sounded ridiculous and just wrong. I wanted to use the card to purchase cabinets but couldn't so used another card. I just wanted the miles with XXXX. I called again on XX/XX/XXXX as it still had not been processed even though it was taken from my bank account on XX/XX/XXXX. Again, I was told multiple reasons why " holding '' was their policy and it would not clear until XX/XX/XXXX. At that point, I closed the account as it was of no use to me and their practice of " holding '' funds for such an extended period seemed illegal to me. This has to violate some banking regulation! They are holding people 's money and using it for extended periods of time before processing payments. That must add up to millions of dollars they can profit using other people 's money without permission while the customer has no access to it. Thank you for anything you can do about this. It won't help me but it can certainly stop them from withholding money from consumers while they make use of their money.
Product: Credit card

On XX/XX/year> I checked my credit card statement to see when my next payment would be due. I noticed that my interest charge went up from last month even though I paid more than the minimum due and hadnt used the card in months. When I called the company why, if interest rates went down, was charged more. She had to ask her supervisor. When she got back on the phone she said the supervisor told her they randomly pick an amount on my account and charge me interest at a higher rate on that item.i proceeded to ask her how they could do that and she said they just do it. This is unacceptable! Maybe they think they are the government and can do whatever they want to people and they have to take it, well theyre not!
Product: Checking or savings account

My  XXXX   XXXX   XXXX  is trying to open an account with Wells Fargo. When he presented his social security number, they were unable to give him online access to the account because his social security number is already in use with a customer of Wells Fargo in California. This is crazy, and cements to me that son 's credit identity has been stolen and is being used. Because he is minor, I have been unable to pull his credit report from  XXXX  of the  XXXX  major crediting agencies. And how is a  XXXX  in California using my UNDERAGE SON 'S CREDIT INFORMATION WITHOUT MY PARENTAL AUTHORIZATION?
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$2100.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$720.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$110.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$96000.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX
Product: Debt collection

On XX/XX/2018 my house was sold in foreclosure proceedings. The amount of my indebtedness, as evidenced by Wells Fargo 's attorney in an EOD submitted 9 days before the auction was {$180000.00}. The house sold for {$190000.00} and as such, no additional indebtedness remained. Part of the itemized indebtedness was my Escrow Account Deficiency, which included the total premium of a one year Homeowners Policy. As such, in the sale of the home, they recouped that entire cost of premium. When I cancelled the homeowners policy, XXXX sent a check back to Wells Fargo for {$1100.00} for unearned premium. This brought the total sums they received up to {$180000.00} to pay a {$180000.00} debt. This {$1100.00} additional cost should have been refunded to me as the debt was settled in full and that additional money was taken from the equity of my property. I filed 4 complaints with Wells Fargo. The results of which have varied from me still owing them money because they said they only received {$170000.00} ( roughly, this was the starting bid submitted by their attorney, not the final sale price ), to saying they applied the {$1100.00} to my balance couldn't verify how much they received from the sale of the house to prove there was over payment, to now claiming that that {$1100.00} was applied to additional costs and fees incurred by Wells Fargo that they didn't receive from the foreclosure ( despite the evidence of debt, issued 9 days before the sale, stating : " The following is an itemization of all amounts due the holder of the evidence of debt secured by the Deed '' ). They now will not substantiate where the alleged " additional costs '' came from despite my dispute and request for validation, per FDCPA guidelines. They also believe they are allowed to claim additional debts after the evidence of debt was submitted, despite that being against the law. They are only allowed to claim the expenses that they evidence and claim at the time of Sale.  They still refuse to issue the over-payment.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Submission Subject : Request for Credit Report XXXX XXXX XXXX XXXX XXXX and Identity Theft Complaint Details : I am submitting this complaint against [ XXXX XXXX XXXX XXXX XXXX for failing to correct fraudulent and inaccurate information on my credit report. I am a victim of labor trafficking and identity theft, and despite providing extensive documentation, my requests for corrections and fraud alerts have been ignored. 

Issues : Identity Theft & Fraudulent Accounts Fraudulent accounts were opened in my name after my walletcontaining my Social Security card and drivers licensewas stolen from my vehicle. 
My identity was further compromised due to a data breach at XXXX & XXXX, exposing my personal information to fraudsters. 
I have provided FTC Identity Theft Reports, a police report, and an FCRA Section 605C Self-Attestation, yet the credit bureaus have failed to block these fraudulent accounts as required by 15 U.S.C. 1681c-2. 
XXXX XXXX & Unauthorized Accounts From XX/XX/XXXX to XX/XX/XXXX, I was a victim of labor trafficking and forced to work without pay. During this period, multiple accounts were fraudulently opened in my name without my knowledge or consent. 
Failure to Properly Investigate Disputes The credit bureaus have refused to provide the method of verification used to validate disputed accounts, violating 15 U.S.C. 1681i ( a ) ( 6 ).

Despite multiple requests, they have not updated or removed inaccurate personal information, including outdated addresses and employer records, violating 15 U.S.C. 1681b ( g ) and 1681s-2.

Failure to Protect Personal Information Even after requesting fraud alerts and security freezes, my information remains compromised.

The bureaus failure to safeguard my data is a violation of 15 U.S.C. 1681b ( g ).
Product: Credit reporting or other personal consumer reports

I've recently checked my consumer report and noticed some inaccurate inquiries reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent XXXX, XXXX, TransUnion a dispute letter about XXXX Account # XXXX violation of 15 USC 1681b ( 2 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I DID NOT GIVE ANY CREDIT BUREAU WRITTEN PERMISSION TO REPORT SAID ACCOUNT ON MY CONSUMER CREDIT FILE
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 instructio
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint : XXXX, Equifax, and XXXX XXXX. 

I feel frustrated, helpless, and wronged. XXXX, Equifax, and XXXX are violating my rights and causing me emotional and financial harm. They are ignoring their legal responsibilities to ensure my credit file is accurate. 


1. They failed to validate debts for late payments and collections within the required 30 days.

2. They ignored my disputes about unauthorized hard inquiries unrelated to any accounts.

3. They left inaccurate late payments, charge-offs, and collections on my report without properly investigating. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ). Their negligence is costing me financially, tarnishing my reputation, and causing me deep mental distress. 

I need action now. Investigate XXXX, Equifax, and XXXX immediately. Demand they remove and/or correct the inaccurate information. Protect families like mine from these harmful and deceptive practices. 

Thank you for standing up for consumers. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

An unauthorized Amex card was taken in my name XX/XX/XXXX and a balance of {$7100.00} was run up. I have notified Amex via certified service several times. The first letter sent out XX/XX/XXXX XXXX  Tracking XXXX signed for by, XXXX MAIL ROOM. The second letter on XX/XX/XXXX via XXXX tracking XXXX signed for by, XXXX FRONT DESK. In both cases, they failed to respond within the 30 day period of time required by law and was a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). They were also put on notice of 15 USC 1692 et  seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. I further included a notarized copy of my Identity Theft Victims Complaint and Affidavit. As of today they have never responded nor acted to my requests.
Product: Debt collection

Original Creditor : XXXX XXXX Collection Agency : Credence Resource Manage Amount {$440.00} Claiming I Owe **** Unverified **** Date Disputed :XX/XX/2019 Disputed Charges & And Asked For VOD Validation Of Debt *** Not Validate *** Resolution : XX/XX/2019 Account Statues : Per XXXX   Account Information Disputed By Consumer Meets FCRA Requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my Credit report from XXXX and noticed that the Credit Bureaus still continues to report the Disputed inquiries from my Credit file despite the countless dispute letters I have been sending them. These inquiries resulted due to my identity being stolen and used to inquire. I have been a vicitm of identity theft. I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. Under the FCRA section 605b, the Crediut Bureaus must remove these inquiries from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Received emails from Capital One concerning an account I do not have with them, as I have no accounts with them at all. One stated that my phone number had changed on the account, which, again, I have never opened. Another asked for my personal information ( ID cards, etc ) to finish processing the opening of the account. I will be calling them when they open direct phone lines, however this still needs to be reported as it shows a lack of security on Capital Ones part.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, Consumer, Cardholder, Maker, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is in XXXX XXXX XXXX XXXX I am writing this complaint XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, or " XXXX XXXX ) '', XXXXXXXX XXXX, Navy Federal Credit Union, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the XXXX XXXX XXXX XXXX XXXX Consumer Report file of XXXX XXXX XXXX XXXX Consumer. 

XXXX TRACKING NUMBER : XXXX
Product: Debt collection

This is Contienetal Finance/ XXXX Credit Card.I sent them a letter on XXXX XXXX, 2015, citing law 15 U.S.C. Section 1692c, to cease all phone calls to me or anyone I may or may not know. From that date until XXXX XXXX, 2015, they have made over 26 calls. I sent a second letter to them at that time. Since then they have called 26 more times. I have sent letters to other creditors and they have acknowledged them and have stopped calling. This company wo n't stop and if I answer the call, they hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is attempting to start an investigation after it's already been 55 days since they received my dispute. This is well over the 30 days that they are allocated. This goes against the FCRA! I've attached the tracking number that PROVES the day they received my dispute and I've also provided a copy of the dispute letter. They are to NOT start another investigation. They are to remove the disputed items that they did NOT verify within 30 days.
Product: Consumer Loan

I have continually made overpayments towards my vehicle loan in an effort to reduce the principle amount and, in turn, reduce the amount of interest being paid towards my loan. I contacted FIFSG ( First Investors Financial ) when I noticed all of my overpayments were being split between principle and interest. I contacted FIFSG the first time via telephone and was advised this would be corrected. When my payment was made in XXXX 2015, I reviewed my account and noticed the first request and resolution had not been honored and my overpayment again was split between principle and interest. I sent an email and received a response to allow XXXX hours for my request to be processed and the change to occur. After making my XXXX 2015 payment, I again noticed no action had been taken to correct the payment allocation on the overpayments and my XXXX payment had, again, followed the same pattern. When I contacted FIFSG on XXXX/XXXX/2015, I spoke with a gentleman who identified himself as XXXX XXXX, a Team Lead. I explained my reason for calling, how I contacted the company twice before and no changes had been made. XXXX XXXX then tried to tell me how my interest was being calculated on a per diem basis and why the amount of the per diem interest was being calculated and I have a simple interest loan. I explained to XXXX XXXX my request was to have the overpayments applied to the principle and the interest remediated, I was advised both verbally and in writing this would be done and my account still shows no changes. XXXX XXXX continued to explain to me how interest worked and I advised I was well aware of how Finance worked considering this is my career field. I then advised I was going to file with the CFPB if this did not get changed. XXXX XXXX continued to argue with me and I ended the phone call with the statement of filing with the CFPB to step in and help.