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

Equifax I believe is retaliating against me for filing complaints and lawsuits by blocking me from seeing my accurate credit report. I filed complaints on XX/XX/XXXX and they have been providing creditors and myself with another credit profile since then. 

I noticed these actions on XX/XX/XXXX when I spoke with Equifax supervisor XXXX # XXXX and filed a dispute # XXXX letting him know that when I pull my credit report using my social security number ending in XXXX, Equifax generates a credit report for a social security number ending in XXXX. It has been over 30 days and Equifax is still purposely and negligently supplying inaccurate information to myself and creditors and refusing to allow me to see my real credit report, which is direct violation of FCRA section 623 ( a ) and CCRA 1785.15.1 ( a ) and 1785.16 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number # XXXX XXXX  Collections Agen Account number XXXX has violated my rights. 

15 U.S.C 1681 sections 602A states HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 sections 604 A sections 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions.
Product: Debt collection

On XX/XX/2017, I received a message on XXXX XXXX from an acquaintance that I really do n't know. She explained that a XXXX XXXX contacted her on XXXX and noticed that we were friends. My friend and XXXX XXXX used to work together. XXXX is an agent at XXXX XXXX XXXX. She sent my friend a message stating : " Hey girl, sorry to bother you but you are friends with one of my potential charge off at XXXX XXXX XXXX XXXX XXXX XXXX ... can you get her a message to call me XXXX tell her i will help her ... if you do n't mind..Thanks girl '' She has also attempted to friend me on XXXX under an assumed name, XXXX XXXX, with explicit pictures. The background photo matches the photo on her real XXXX page which is how I know now that it is her. ( I did n't know a " XXXX XXXX '' so I did n't accept the friend request. ) She is stalking me and I have no idea how many other friends she has contacted sharing my personal information. I feel very threatened! I manage a XXXX XXXXr and any agent who compromised XXXX  compliance would be terminated immediately!
Product: Money transfer, virtual currency, or money service

I encountered an individual on the XXXX messaging application with the XXXX XXXX, who later identified herself as XXXX on XXXX XXXX XXXX After a month of casual online chatting, she gained my trust, presenting herself as a wealthy individual with connections in international trading, particularly in gold. She introduced me to the prospect of investing in international gold trading using the XXXX account on the XXXXXXXX XXXX. 

Under XXXX 's guidance, I opened a XXXX trade account on XXXX XXXX XXXX  and made an initial deposit of {$9900.00}. Subsequently, I deposited additional funds totaling {$500000.00}, following instructions provided by XXXX through XXXX messages. 

The account showed substantial profits, and to further gain my trust, XXXX facilitated a nominal withdrawal of {$100.00} on XX/XX/XXXX. However, upon attempting to withdraw larger amounts on XXXX XXXX XXXX XXXX, my requests were refused, and I was informed that my account was locked. 

Upon further investigation, I came across articles exposing scams involving fake gold trades, leading me to believe that I have been a victim of such fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two erroneous hard inquiries on my TransUnion credit report and the company refused to remove them when I contacted them. 

On XX/XX/2017, I applied for a credit card with XXXX XXXX and authorized an inquiry on my credit report. For some reason, XXXX pulled my report twice in error, one addressed XXXXXXXX XXXX and one XXXX XXXXXXXX XXXX. 

On XX/XX/2017, I applied for a card lease with XXXX XXXX and authorized an inquiry on my report. However, the dealership I was dealing with, XXXX XXXX, also pulled my credit report, without my knowledge and without my authorization. 

As these inquires are made in error / without my authorization, they should be dropped from my report. However, when I spoke with TransUnion on the phone, the representative is adamant that inquiries can not be dropped once made. I found that unacceptable.
Product: Mortgage

On or around XX/XX/2021 we started the new construction loan process with XXXX XXXX XXXX for {$570000.00}. 

We were qualified for the loan after submitting all documentation. Upon their request for additional documentation, it was submitted within a day 's time. 

This process is now at 196 days, with no closing date in sight. 

Weve had to redo the building contract four times, due to the construction department not knowing what they needed in the contract. We also had had to resubmit updated financial documents on multiple occasions due to the loan taking so long to close. 

We were told from the beginning of the loan process that our debt to income ratio was good and below their requirements. Then months in, they said we were under 1 % too high, but if we paid off our {$11000.00} truck we would be under. This was paid off and verification sent. Weeks later, they are now saying it is .7 % still too high. Mind blowing. 

We have filed multiple complaints with them on multiple occasions, all the way up to the Vice President. 

After our first complaint with the Vice President ( months ago ), he advised on multiple occasions he would give us a call with an update, but has not once called with an update. 

On multiple occasions we requested to speak with someone in authority, above the Vice President, who can make a decision. We have never been given that information. 

We were advised by the Vice President that a meeting was being held on XX/XX/XXXX to discuss our case. After that meeting the Vice President advised that now some of the right people were working on our file. 

Several days later, XX/XX/XXXX, they are now, for the third time, requesting us to update ( at our expense ) the same financial paperwork already submitted, because those are again expired, due to the extended loan period. 

No one seems to be in communication with one another and each department blames the other for the issue arising. No one seems to be in charge and no one can be reached who has the authority to make a decision. 

This process has cost us so much time and money! Our builder is frustrated and threatening to walk. WE ARE AT 196 DAYS.
Product: Payday loan, title loan, or personal loan

I took out a payday loan at XXXX XXXX on XX/XX/XXXX, and subsequently was unable to pay. They sent it to their collection agency, Ad Astra Recovery. I filed for Chapter XXXX bankruptcy on XX/XX/XXXX and they were included in my case. They are still reporting on my credit, and I have contacted them in regards to the issue, and they 're always rude, even after I made them VERY aware that I had filed and they were included. The amount shows {$430.00}, and that the account is still open. I even gave them my bankruptcy case number, as well as the number to my attorneys office. I am trying to start my credit profile over again, and I have been denied a few things all because of this inaccurate status.
Product: Bank account or service

I applied for USBANK checking account along with visa signature card since they were offering {$150.00} bonus. Also they were offering {$100.00} credit if you spend {$500.00} within a month. I completed both requirements and to my dismay I was denied the promotions they were offering after I made a balance transfer and spend over {$500.00} on the credit card. After writing to XXXX/CFPB USBANK agreed to fix the credit card promotion. But I still do n't see {$100.00} credit. But I was denied checking account promotion. I was told that I have n't opened the correct checking account. 

I called USBANK online customer care right after I opened the account and asked them if account is opened correctly. I was told as long as I entered the promo code correctly I am eligible to receive the Bank promotion. It has been more than 3 months and no {$150.00} promotion was applied to my acct. When I called USBANK customer care on the phone they asked me to call the branch in XXXX. It seems they do n't know what they are doing. I called bank last week and they told me checking account was not open properly to receive the bonus after investigating this issue for few days. US Bank online customer care did n't do due diligence when I called customer support right after opening the checking account and followed all the instructions to receive the bonus including direct deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again theyre removing and resubmitting inaccuracies on my credit report. I have submitted those documents to the credit bureaus along with documentation from the bankruptcy court and police department and still nothing has been done.
Product: Credit reporting or other personal consumer reports

Capital one, XXXX XXXXXXXX, and XXXX have been reporting late payment to the credit bureau. 
In accordance with fair credit reporting act, those creditor has violated my right under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors ayen not treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, LLC is BREAKING THE LAW. TRANSUNION, LLC is reporting private information on my consumer report and file that was meant to remain private. This is an invasion of my privacy and immediate and prompt attention to this matter is required. Also, TRANSUNION, LLC furnished my consumer report on XX/XX/2022 without my consent to XXXX XXXX as there was an extended fraud alert that stated I needed to be contacted via phone to get consent. This was not done as I was alerted that my consumer report and file was provided without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is a summary of my interactions with the company XXXX over the past month. 
1. XXXX XXXX : XX/XX/XXXX, email sent to XXXX : " To Whom It May Concern : According to your records on XX/XX/XXXX, someone opened up several unauthorized accounts with XXXX while using my name, address, and personal information. I filed a claim with your claims department on XX/XX/XXXX. The address that these XXXX XXXX cards are being sent to is my old address and were forwarded to my current address. Today ( XX/XX/XXXX ), I received a second card with a different credit card number than the first one that was sent this past week. I would like to also file a claim against the second card that was sent to me on XX/XX/XXXX. 
Please stop sending pre-approved XXXX visa cards in my name. Finally, I would like for all accounts and the address on file to be flagged as 'FRAUD ' and 'IDENTITY THEFT '. Also, I filed a police report concerning both incidents. If you have any questions or concerns, please contact me directly. '' XX/XX/XXXX, phone conversation with XXXX : I called XXXX XXXXXXXX on the above date with a request to close the accounts and tag them as fraudulent. XXXX XXXX Claims Department stated don't worry the account would be shut down and tagged as fraud. 

XX/XX/XXXX, XXXX XXXX email received by XXXXXXXX XXXX XXXX  XXXX XXXX for XXXX XXXX stating the following : " Your credit report shows that you opened a new account as of XX/XX/XXXX with an initial balance of {$7500.00}. The lender, XXXX XXXX, is reporting this new account to the credit bureaus. 

XX/XX/XXXX, Credit Alert email received by XXXXXXXX XXXX XXXX XXXXXXXX XXXX for XXXX XXXX stating the following : " Your credit report shows that you opened a new account as of XX/XX/XXXX with an initial balance of {$4000.00}. The lender, XXXX XXXX, is reporting this new account to the credit bureaus. 

2. XXXX Here is a summary of my interactions with the XXXX XXXX over the past month. 

On XX/XX/XXXX, there was an inquiry of my credit by XXXX XXXX. However, such was not authorized by myself as I have never even been to a XXXX XXXX before. 

XXXX. XXXX XXXX Here is a summary of my interactions with the company XXXX XXXX through XXXX XXXX XXXX over the past month. 

On XX/XX/XXXX, I received an alert stating the following : " It looks like there's a new balance of {$300.00} on your Bank Card that you haven't use for 6 months or more. Please let us know right away if this wasn't you. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm very upset! My underlying reaction to the inaccurate thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Regularly by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been above and beyond the expansion time frame given. I have exhorted you on in excess of 3 distinct events. I'm beginning to accept this is a slow down strategy on you all 's end. I request your organization eliminate this mistake from my credit report or face suit. In the event that you don't eliminate this mistaken data quickly I will document a formal complete with the Government Exchange COMMISSION! I'm staying aware of the entirety of my reports and types of correspondence with you on this matter simply in the event of recording an objection with the FTC on the off chance that you keep on choosing not to participate. In Wenger v. Trans Association Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered answerable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome financial period. On the off chance that your next reaction to me is anything but a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Reasonable Credit Detailing Act isn't erased I will proceed with my FTC objection. As shown by the Reasonable Credit Revealing Demonstration, Area 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the primary stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your specifying organizations could fax, mail, or email in a bogus record. I interest to see apparent proof ( i.e. : a novel buyer contract with my imprint on it ) that you have on the archive for the record recorded underneath. 

Your powerlessness to firmly check these records has hurt my ability to procure credit. Under the FCRA, wrong and mysterious data should be erased from a buyer 's credit report.
Product: Mortgage

I have a FHA loan through CHFA and because of Covid we went into forbearance for 6 months and then we were told we could file for a loan modification loan and through out this process we spoke to so many representatives that provided false information that prolonged the process for a loan modification and then were given a contact person XXXX XXXX XXXX who told me that I did not fill have to fill out the application because I already had an HFA loan and that he would submit the information for my loan modification and this was a lie, instead he submitted for a partial claim that increase our mortgage payment. I contacted him and told him this was not what I wanted so then he sent me the loan modification application packet and I filled it out and submitted it to the Loss Mitigation office and XXXX XXXX sent me an email confirming all was good and that he would be submitting it on XX/XX/2021 and we should have had the loan modification on XX/XX/2021, however when I contacted this office they told me that he had just sent the documents on XX/XX/2021 and as of today XX/XX/2021 we told that Mr. XXXX sent or received it on XX/XX/2021 so this will prolong it for another month we CAN NOT hold on any longer. This person is well aware that we need this taken care of ASAP and he has done everything in his power to delay the process. We are surviving on only my income that does not cover our mortgage and he still refuses to complete my loan modification and he will not return my calls or emails. He has delayed us for 6 months and we have called and asked over and over again to speak to his superior and no one will call us. We having been asking for a loan modification a 1 complete year and have not heard from on supervisor. I have sent complaints through their website and still no one will contact us. I have filed complaints over and over with CHFA and no one will return my call, their representatives continue to transfer me and hang up on me because I ask to speak with a supervisor or manager. I believe that if we do not hear from someone we will lose our home. I also believe that XXXX XXXX is waiting for interest rates to go up. PLEASE, PLEASES YOUR HELP IS GREATLY APPRECIATED. I can be reached at XXXX M-F at XXXX or XXXX XXXX  or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with experian. this has been an on going issue that needs to be resolved. checking the information listed its not 100 % accurate on all credit reports an that's causing alot of denials please delete an remove asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Incorrect info from ServiceMac stating we were late in XX/XX/2022 and it showed on our reported pulled by lender for new mortgage when payment was made XX/XX/2022 posted and cleared XX/XX/2022 for mortgage amount of {$1100.00} and shows at ServiceMac that it was posted but they chose to commit fraud on all three credit bureaus for both my wife and myself. This payment is done online from husbands account. So now we can't get a loan even though payment was made and has been for one year. Phone calls and complaint files with ServiceMac has done no good. Please help us remove the incorrect info that ServiceMac has chosen to ruin our credit for us two senior citizens in XXXX XXXX, Florida.
Product: Checking or savings account

I am filling a complaint with CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection law and I request your assistance in investing this matter to ensure my rights are upheld. Thank You
Product: Debt collection

CSS is reporting a balance I not owe on behalf of XXXX XXXX for car insurance. I never owned a XXXX never had one registered to me. 

They do not have my correct address to have notified me of this collection I. 


I have never owned or purchased a XXXX and I pay my insurance in advance for a XXXX XXXX and XXXX. I went to the DMV to see if there was anything I could get showing it but they stated that the car wasnt registered to me so there was nothing I could do but belong to XXXX XXXX
Product: Mortgage

My Credit Report states i have a joint account mortgage with a company name Nation Star Mortgage out of XXXX, Texas, Acct # XXXX its showing a balance of {$98000.00}. I have no idea who opened this account nor do i know the location of this property. I have contacted this company directly and have been unsuccessful in trying to resolve this issue. This account does n't belong to me. I also disputed this account with the credit bureaus. i have submitted documentation that states I 've been victimized by identity theft.
Product: Debt collection

SCA Collections of XXXXXXXX XXXX reported the account to the XXXX credit bureau, stating I owed {$180.00}. This amount was paid to the collections agency on XXXX, by check. I had received what appeared to be a duplicate collections notice with the same debt amount and account number. I enclosed a letter to the collections agency requesting that they verify the second letter represented an additional debt and was not a duplicate. I received no response from them until today, XX/XX/22, when the account was reported to the credit bureau, thereby damaging my credit. I believe this to be a violation of the Fair Debt Collection Practices Act, which states I have a right to written verification of any debts upon request.