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

FSTPROGRESS Credit Card opened on XX/XX/2017 showing a balance on my credit report of {$150.00}. This was a secured credit card with a secured high credit limit of {$200.00}, in which I could not go over that limit, the card would decline if any purchases were made over the {$200.00} credit limit or decline if the total was more than the balance of the {$200.00}. I also did not receive my secured deposit of {$200.00} back nor was it credited to my account. 

I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and up date the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Checking or savings account

I was sent information about the class action lawsuits against wells Fargo bank for charging me for using my own ATM and charging me overdraft fees and withdrawal money from my account without my consent.
Product: Credit reporting or other personal consumer reports

Unauthorized or unverifiable inquiries are reporting on my credit file. I disputed with all three credit bureaus, but they failed to provide proof of permissible purpose or remove the inquiries.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX
Product: Checking or savings account

I have a HYSA with Marcus Bank. I have over XXXX XXXX  of my life savings stuck in there for over a month. Im unable to use the mobile app to check on my funds and when I call to unlock the account they tell me its under review and they cant do anything. They have been telling me this for the last month with no progress. When I ask to speak to a higher up they tell me that Ill receive a call and days later I never do. I do not wish to be associated with them any more. I just want my money, Ive told them Im willing to go through whatever verification steps I need to close the account and have the funds either transferred back to my bank on file or receive a check. And they just keep saying that since the account is under review they cant do anything. I dont have the exact dates since they dont even send me an email with confirmation of anything. I first called late XXXX. Its now XXXX XXXX and Ive made XXXX progress. The last time I called they gave me a case number, which I can provide if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to get a loan.I checked my XXXX report and under loans pre-approved I applied for a loan with a soft inquiry with XXXX.After I did that I received multiple emails from different loan companies like XXXX, XXXX, XXXX XXXX, Lightstream, XXXX XXXX XXXX, ETC.XXXX called me right away and asked questions over the phone and asked permission to do softpull.I was denied credit from them.Shortly after I hung up the phone, i received a email from XXXX   showing a change on my credit report.I logged in on XXXX and it shows a hard inquiry I never gave permission or even talked to them for credit.
Product: Mortgage

Tried to contact " customer service '' with a problem They make it impossible to talk to anyone - it 's not even a choice on their automated system. I would never do business with these people ; my loan was sold to them. I need to talk to someone to resolve my problem.
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my credit report that are not mine and I did not authorize. I spoke to a transunion fraud XXXX and they informed me the inquiries would be removed but they have not been. Under FCRA these fraudulent inquiries are to be removed.
Product: Credit reporting

I have requested my free report online from Transunion and XXXX and they say that my report is undeliverable online. I then wrote letters to both credit reporting agencies requesting my free annual report and have not received it. I included copies of my drivers license, passport, several documents documenting my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.
Product: Credit reporting, credit repair services, or other personal consumer reports

- I shopped for the best home equity line of credit I could get - I pulled my own credit score and was over the acceptable level that was needed, a score ( XXXX - Experian XXXX to ascertain the loan - I phoned 15 loan companies and asked them to give me a quote with their best interest rates and I told all of the loan companies that I was contacting their competition to get their best interest rates and I would compare and select the loan company that was the best value for me.

- Each company told me that to get the best interest rate from them they would need to see my credit score and asked for my social security number which I gave them - 12 of the companies sent me a quote via email or regular mail. these quotes were typically sent on an application form and I was asked to sign it and mail it back to them - I did NOT sign any of these applications - This process took me about 3 months to get to this point - I selected XXXX XXXX  to get the loan and I went to their office and set down with the manager, filled out the application and I signed it and submitted it - 2 days later XXXX XXXX  contacted me and said my score was XXXX with Experian and that the Experian report is what they use as reference to meet the XXXX credit score - XXXX XXXX  declined my loan - I contacted Experian and asked them what happened to my credit score - Experian said I have 10 " Hard Inquires " that deducted points from my XXXX XXXX each of the 10 " Hard inquires '' reduce my credit score between 1 and as much as 20 points - I went on Experian ; s website and read their definition of " Hard inquiry '' which states an application for a loan. An incomplete ( unsigned ) form is Not an application. 
To apply for a loan the application must be signed - I explained to Experian that I did NOT apply for a loan except 1 with XXXX XXXX  and that the other 9 inquires are " Soft inquires '' that do not deduct points from my credit score - I also explained to Experian that I had received mail from some of the loan companies declining their offer due to incomplete applications because they were NOT signed and submitted - Experian suggested that I contact the 9 loan companies and ask them to remove the " Hard inquires '' - I called 2 of the loan companies and since I did not go with their loans they paid no mind to my request to change the inquires from " Hard '' to " Soft '' - I called Experian back again and asked them to help me to correct this faulty reporting They said that the loan companies are responsible to provide 100 % correct information and that Experian only passes this information along - I pointed out that Experian has a responsibility to pass along CORRECT information due to the fact that this information is controlling my life and is their a department that I can file a complaint to and get this faulty information corrected, They said CFPB Please give me direction as to what I can do
Product: Checking or savings account

I made a purchase using my debt card through the internet with a XXXX Supplier, The product I received was defective and broken. I tried to contact the XXXX supplier but the dispute form was blocked and was unable to directly file a dispute report, I have since filed with many government agencies and have required the bank to hold funds or reverse payment. I have not received a credit from the bank and when I call they tell me the dispute is in-process, mean time I still have n't received any credit and I am also out of an interest, seems all parties involved are stalling or delaying payment and are n't planning to pay interest. When I received my debt card I was told it cover fraud and misrepresentation of services / product. 


Contacted : US Bank Amount {$26.00} plus interest ( 19.99 % APR ) transaction date : XX/XX/2017
Product: Mortgage

My loan was transferred to this new company a few months ago. I was in an active COVID-19 forbearance plan. During this time, I've been harrassed non-stop with certified letters threatening foreclosure due to the past due payments. I'm one payment behind because my tenants moved out, but I'm positioned to catch up before the federal COVID-19 protection period ( maximum one full year ) is over ; however, the current loan servicer will only allow me to extend my protection to the end of XXXX. At this point in time, they require me to submit full financial disclosures and go through a full loss mitigation process instead of allowing me the option to extend the full period. I request that this business is reviewed for their predatory practices against individuals protected by the CARES act. I also request that the business comply with the CARES act and allow me to extend my protection without supplying the additional documentation, per the law.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, SSN : XXXX DOB : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX in XXXX, XXXX under the account number XXXX, an personal account opened at XXXX XXXXXXXX in XXXX, XXXX under the account number XXXX, and a collections account opened at XXXX XXXX in XXXX, XXXX with a balance of {$82.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, 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. 

Account : XXXXXXXX XXXX account XXXX XXXXXXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Today, XX/XX/year>, I have a withdrawal/debit, from an unknown company, Concora Credit XXXX The amount is {$700.00}. I contacted my bank in New Jersey, XXXX XXXX They closed my checking about and filed a report with their fraud department. 
When I called the company phone number that I found on the internet, the recording asked me for my Social Security number, so I hung up. 
I have since read many complaints online regarding Concora credit.
Product: Credit card or prepaid card

On XX/XX/2018 I was comparing credit card 's on Citibank 's website. I applied for the Citi Diamond Preferred Card. I received a instant approval for the Simplicity Card. I was concerned and I immediately called Citibank. I was told that I'd need to wait 3 days until the card is showing in the system and it could then be switched to the correct card. I called days later to speak to 3 separate people. I was told this wasn't a problem and then I was hung up on while they were switching me to another person. I spoke to a nice woman who filed a complaint on my behalf. I have been told many things from managers and all have told me that they'd get back with me immediately and that my situation would be rectified. Unfortunately, I've been lied to. The most recent phone call on the XX/XX/XXXX promised me a phone call from the vice president within 24-48 hours because there were no notes from the gentleman in management that had promised to call me back on the last conversation. I lost his name but I had really trusted him and the promises that he had made to me. It appears that every conversation that I've had with Citibank have been lies. I'm especially surprised that even the managements, management doesn't do what they are supposed to..
Product: Debt collection

( Finacial Recovery Services ) IS REPORTING AN ACCOUNT ON MY CONSUMER REPORT THAT IS UNVERIFIED AND INACCURATE. THIS IS A VIOLATION OF THE FCRA AND FDCPA. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. IF THIS ACCOUNT IS NOT DELETED WHITIN 7 DAYS I WILL BE SEEKING REMEDY UP TO {$1000.00} PER VIOLATION UNDER THE FCRA AND FDCPA FOR EVERY VIOLATION AND EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY AND PUNITIVE DAMAGES AS WELL. I WILL BE TAKING LEGAL ACTION AGAINST ( Finacial Recovery Services ) BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT ON MY CONSUMER REPORT. EVEN IF YOU ARE HIRED OR CONTRACTED BY ANOTHER COMPANY, I WILL BE SEEKING AND TAKING ACTION AGAINST YOUR COMPANY. YOU HAVE 7 DAYS. THANK YOU.
Product: Payday loan, title loan, personal loan, or advance loan

Huntington maliciously reported an entry on my credit report after a technical error on their site has prohibited me from making a payment on their stand-by cash product. I attempted to reach out to support but was told there's nothing they could do for me. My credit is being destroyed due to a couple dollars. I have video evidence of the process not working correctly. 

I escalated the case via the XXXX  and to Huntington 's Customer Advocacy Response Team. The information presenting by the representative was factually incorrect and did not match information related to my system. Huntington is unwilling to resolve the issue and will force me to close my accounts with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report and notice there are some accounts that are still reporting and they are paid in full and should be deleted from my file. I have also noticed some accounts are reporting from a third party company and should be deleting because I have no signed contracts with them. 
-XXXX XXXX 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, credit repair services, or other personal consumer reports

I have inquiries I know nothing about that popped up from 2020 my credit score was XXXX last month then out of no where it dropped to XXXX I never been late on a payment for nothing I feel like XXXX playing with my credit score they dont wan na see XXXX XXXX people with good credit I mean why drop my score for no reason.!!
Product: Debt collection

XXXX XXXX XXXX stated that Capital One Bank sold them 4 account under my name. 
Accounts ending in # XXXX # XXXX # XXXX # XXXX and thereover XXXX XXXX XXXX is trying to collect on these 4 accounts and also are selling and passing all of my Personal and Private information to third parties companies. 

I request that Capital One Bank send me the Receipt that shows for how much they sold these 4 accounts to XXXX XXXX XXXX. 

I request XXXX XXXX XXXX to send me the Receipt that shows for how much they bought these 4 accounts from Capital One Bank. 

XXXX XXXX XXXX bought these 4 accounts for a Penny on a Dollar and now they trying to scam and rip me off trying to collect the whole SUM...
Product: Mortgage

On or around XX/XX/2020 I applied for a mortgage refinance with PenFed Credit union. I paid a {$500.00} appraisal fee. PenFed approved my loan, but was not able to close my loan ( through no fault of mine ) within 5-6 months. My credit report expired as well as all my documentation and then PenFed asked me to pay a {$5500.00} re-lock fee because they did not have the staff to close the loan within 90 days. I am seeking a refund of my appraisal so I can pursue a refinance with another institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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
Product: Credit reporting or other personal consumer reports

Since XXXX, Experian has reported my credit card debt double from each credit card causing my score to drop significantly and I have suffered financial hardships, denied jobs, denied loans and high aprs as a results this entire time. 
For example, XXXX credit card forgave my entire Loan as income and sent me a w2 form which they also sent to the irs for the forgiveness. This was around XXXX when I asked Experian to remove it and I sent them the documentation. I disputed this with the several times and they failed as always to investigate it and remove it from my credit report. 
Furthermore, Experian keeps extending the removal date for the collection items that should have been removed by now. 
A most recent example, portfolio recovery and associates had XXXX different listings on my report that was expired. I asked them to remove them but they refused and instead updated the balance and added additional months to remain in my credit report. 
They are damaging my credit report in purpose and are dinging my XXXX XXXX by too many points for simple inquirys. 
My Fico credit score is current XXXX and the higher it gets, the more Experian lowers my credit signigficantly for small transactions. 
There is one specific item that I just disputed from XXXX XXXXXXXX XXXX that should have been removed in XXXX. Last month in XXXX when I disputed it, they never inveatigated it and changed the removal date to XX/XX/XXXX. Here it is XX/XX/XXXX, I disputed it again, and they again is refusing to remove it. 
Like many many other consumers, Experian is violating my consumer rights by reporting incorrect and false information on my credit report for the past 7 years that has caused me losses, grief, and hardship while no attorney that I have tried to see cared to help. Which is why I found you for I see that you all are supposed to make sure that companies like this are held accountable for their actions. 
I would actually like an apology from the company and compensation for all these years of losses due to their direct failure to do their jobs on purpose. I see that Experian has a reacord of doing this to many people and have gotten sued. Why are they still doing this? And why is it impossibke for us minorities to be protected and recieve justice as well for these consumer crimes against us?