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

Discover ( one credit card ) and XXXX  ( two credit cards ) have told me out of the blue they decided to make a business decision to close my wifes and my credit cards. All of my three cards were closed in the month of XX/XX/2018. We tried calling to request what we did wrong to only get a representative either not understanding why it was closed or just a flat answer of " the credit card companies aren't making money off you so they decided to close your account '' and it was a business decision. We asked for help from all the credit cards and asked if we did something wrong please let us know so we can avoid this in the possible future, but they didn't have an answer for this as well. 

One of my XXXX credit card I had for more than 12 years. Most of the times we paid our bills on time in full. A few times we had maybe less than {$2.00} interest charges ( attached statement summaries ). My credit score was over 800 on XXXX  before our credit card companies closed our accounts. The last major transactions we did were some credit transfers because we were trying to avoid being charged too much interest as my wife is a small business owner. We used our credit card with the various credit products the credit card companies offered and now we are being penalized. These companies offer credit line product that will cause us to lose out on our American dream of owning a home. We were planning on buying a home this coming year so I worked hard to keep my credit score close to 800. Also, I was planning on using my credit line to start up an internet business too. I lost a total of {$60000.00} in credit line. This was all in one month.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts belong to someone else and they were fraudulently put on my credit report : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1900.00} 2. XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1000.00} Both accounts are not mine and I have disputed them with each Credit Reporting Agency ( Transunion, XXXX, and XXXX  ), and also with XXXX XXXX XXXX. The accounts were fraudulently blamed on me, but belonged to someone else that rented that apartment prior to me living in it. I complained to both the XXXX XXXX company and also the Texas Consumer Commission regarding my concerns about an apartment that had been damaged and rented to me in duress. After I moved out the apartment was left in a better condition than what I rented it. I have provided attachments to support my claim against both the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX, and I am requesting that both accounts be removed from my credit reports at all Credit Bureau Agencies and Credit Reporting Agencies due to my Consumer Rights and Fair Credit Reporting Rights.
Product: Credit card or prepaid card

I am a consumer of the United States of America Corp. I am fully aware that I can not be denied for credit ( only Insurance and employment ) you sent me an adverse action which I am totally confused by seeing as I already completed the transaction when I did the credit application ( extended credit ) 15 USC 1691 ( d ) ( 6 ). Please be advised that by doing that, it is aggravated identity theft because you took my application and entered me into a consumer credit transaction ( knowingly took my credit application and opened up a checking account without my permission ). With that being said, I demand immediate approval of the consumer transaction I originally applied for. I have been discriminated against.
Product: Payday loan, title loan, or personal loan

I the consumer made application for {$75000.00} consumer loan in good faith and credit was denied. USAA Federal Savings Bank is in violation of 15 U.S. Code 1642, USC 1681m and cfr 1002 because I, the consumer made an application in good faith, but funds was not issued. Furthermore, because my social security number ( Credit card ) was used and I received NO benefit this is proof of fraudulent activity ( unauthorized use of my credit card ssn ) on behalf of USAA Federal Savings Bank violated 15 USC 1643.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX DOB : XXXX/XXXX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 

Account Account Number Provide Physical Verification XXXX Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

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

The auto loan CNAC is showing closed with a balance. My report is suffering from this. I paid this account off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITSINC has placed a medical bill on my credit reports that do not belong to me. I've contacted them and the medical facility. They both admit this is not my bill, that it is my ex-wifes, whom I've been divorced from since XX/XX/XXXX. They refuse to delete it. 

Its {$130.00} dollars and its my only negative credit listing. They flatly refuse to remove it. 

Creditor Name CREDITS INC Account No. 
XXXX** Original Creditor XXXX XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Placed for collection
Product: Credit reporting, credit repair services, or other personal consumer reports

In dealing with Equifax trying to correct errors on my free credit report i was unable to dispute information online because their security questions lock you out. So i spent three hours on the phone trying to get tech support only to be told i HAD to furnish my license and social security card first to prove its me me to fix errors and wrong address. There are many errors i would like to dispute online and cant as well as not being able to understand the persons on the phone.
Product: Debt collection

Received notification from credit bureau regarding debt of XXXX from XXXX this was a previous debt that was previously disputed and resolved by XXXX XXXX and it was verified that the debt did not belong to me and the credit was deleted in XXXX. I have no knowledge of this creditor i was never notified via mail nor phone regarding debt
Product: Mortgage

I applied for a home refinance cash out loan XX/XX/XXXX. At application i stated my home was worth XXXX. I owe XXXX on my home currently. I was looking to take cash out, but to stay at 80 % loan to value. I got approved for the mortgage, and home was sent for appraisal. On XX/XX/XXXX I was sent documents to sign to lock in my rate and fees on the loan. The appraisal came back at XXXX on XX/XX/XXXX. The loan officer working on my file, XXXX XXXX with New American Funding, called me ON XX/XX/XXXX to say the loan came back less than the XXXX they had manually estimated the homes value at and needed to change the loan. They sent me new docs to sign which included XXXX in extra fees even though I had already locked those fees and rate in on XX/XX/XXXX. It had not been 45 days. 

I asked him about this and he said he would get back to me. It has now been 15 days and I can not get a call back from the company. 

During that time my homeowners insurance company informed me that they had not received payment from NAF and my insurance was going to lapse. New American Funding had me change my lien holder prior to loan closing. Now my insurance has not billed my current mortgage and will not because they are not listed as the lien holder. I have emailed XXXX XXXX about this 4 times starting Monday XX/XX/XXXX through today. No response. I have called him and he said there was a snafu with my loan and the vp is looking at it. It will be taken care of, but still nothing. They are stalling the loan to get outside of the 45 day lock.
Product: Credit reporting or other personal consumer reports

I have a few questions : how do you complete your investigation? One more thing : I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( I ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : The XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account XXXX : XXXX XXXX Account XXXX : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation.
Product: Debt collection

PHOENIX FINANCIAL COLLECTION AGENCY CONTINUE TO VIOLATE " HIPAA '' / MEDICAL PRIVACY ACT, " FDCPA/ FCBA '' WITH REPORTING OUTDATED MEDICAL ACCOUNT XX/XX/XXXX ( 3X ) ON ALL CREDIT FILE " NOT MINE '' / NEVER DONE BUSINESS WITH MEDICAL PROVIDER. ..NOTE : COMPANY CONTINUE HARASSMENT CALLS/ AND MAIL NOTICES OF ACCOUNT NOT COLLECTIBLE, ID FRAUD ACCOUNT AND FORMAL COMPLIANT FILED WITH BBB AND FTC FOR UNFAIR PRACTICES
Product: Credit reporting or other personal consumer reports

XXXX v. Equifax Information Services XXXX XXXX. 
United States XXXX XXXX, XXXX. Georgia, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX ( S.D. XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX. 
XX/XX/XXXX ORDER XXXX XXXX, Senior District Judge Plaintiff, XXXX XXXX, filed this action against Defendant, Equifax Information Services, XXXX ( " Equifax '' ), asserting violations of the Fair Credit Reporting Act, codified at 15 U.S.C.A. 1681- 1681x ( " FCRA '' ). The case is before the Court on the parties ' cross-motions for summary judgment Equifax is a credit reporting agency, and it operates an automated credit reporting system. Under this system, the company does not investigate the accuracy of consumers ' account information submitted by creditors upon receipt. According to Equifax, it presumes that the information submitted is accurate because it endeavors to do business only with reputable merchants and financial institutions. According to XXXX XXXX, a supervisor in Equifax 's Office of Consumer Affairs, if a consumer disputes a credit item, Equifax initiates an investigation of the disputed information. 
In early XXXX, XXXX contends that she discovered that her Equifax credit report contained false information, indicating that she was indebted to XXXX XXXX and XXXXXXXX XXXX XXXX. Another account that XXXX disputed was a XXXX XXXX collections account relating to the purported XXXX debt. According to XXXX, XXXX XXXX XXXX brought suit against her XXXX times to collect her alleged debt. XXXX reported that, although she answered each suit, XXXX XXXX XXXX failed to appear to prosecute the suit twice and, on the third occasion, judgment was rendered in her favor. 
On XX/XX/XXXX, XXXX wrote XXXX letters, XXXX regarding each account, to notify Equifax that she disputed the account information, and to demand that the accounts be removed from her file. Although XXXX sent the letters by certified mail, Equifax did not remove the credit items from her report, or otherwise address her concerns. Instead, the company waited over a year to do anything about her complaints. Equifax maintains that it has no record of having received her letters, so it could not attempt to validate the debts at that time. However, Equifax does not deny that XXXX sent the letters, and a certified mail receipt shows that the letters were received by Equifax on XX/XX/XXXX. Doc. No. XXXX at XXXX ; XXXX. No. XXXX at XXXX.
Product: Credit reporting or other personal consumer reports

This is to follow up regarding the ongoing issue of negative items on my credit report. Despite these attempts to have these inaccuracies corrected, the negative items remain on my report, significantly impacting my financial standing and credibility.The negative items in question are inaccurate and have been incorrectly listed on my credit report for an extended period. Despite providing comprehensive documentation and evidence to support their removal, they continue to adversely affect my credit history. This situation has caused me considerable stress, inconvenience, and potential financial harm. I expect a thorough investigation into why these negative items persist on my credit report despite numerous requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. The following items should be remove as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing you to formally express my concerns regarding Zelle handling of disputes particularly in light of the recent CFPB lawsuits, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds were impossible, and tracking these transactions were unfeasible the CFPB finding that Zelle has not only neglected to protect consumers and also allow repeat offenders to exploit the system leaving users, vulnerable to scams the lack of accountability and accessibility is unacceptable and raises serious concerned about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry appeared on my Equifax report on XX/XX/2018. The inquiry was from XXXX XXXX. I did not apply for anything from XXXX. I called XXXX XXXX on XX/XX/2018 at which time they said the inquiry never happened. I filed a dispute with Equifax which was denied. I again called XXXX XXXX. This time they stated the on XX/XX/XXXX the inquiry was flagged as fraudulent. XXXX said they would notify Equifax to have this item removed. I again filed a dispute with Equifax which was again denied. I have trouble believing Equifax actually did any investigation. XXXX confirms that they did indeed contact Equifax about the fraud. I did not give Equifax permission to compile and store my personal information in the first place. I would at least expect them to not to be careless with it.
Product: Credit card

My bloomingdales closed my account after I mad the payment and the account was still open, and now there saying that I have balance thats due. This is not correct because I made full payment and brought the account to a zero balance. I have spoken with them and they still arent trying to assist me but instead keep refering me to the collections agency thats now handling the bill, my account should not be in collection agency status because it shouldnt have a balance due ... ..
Product: Credit reporting or other personal consumer reports

I am requesting an investigation into an account on my credit report that may violate federal consumer protection laws. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information in my file. This account appears to have been reported without proper authorization, and I am requesting validation. If it can not be fully verified with supporting documentation, it should be removed immediately. Please review this inaccuracy and provide written confirmation of your findings and any corrective actions taken.
Product: Mortgage

My lender ( Rocket Mortgage ) thinks I don't have homeowners insurance, so they they placed a XXXX policy on my property and used my payment towards my mortgage to pay for the added XXXX policy when in fact : I HAVE ALWAYS HAD HOMEOWNERS INSURANCE. IT HAS NEVER LAPSED, AND I HAVE REPEATEDLY SENT THEM PROOF. Their lender-placed policy resulted in unwarranted additional charges that have caused a significant financial burden. I have been bombarded with late notices, phone calls, text messages, and emails, even though I have never been late on a payment and have consistently maintained my homeowner 's insurance policy. 
Actions Taken To date, I have submitted my valid homeowner 's XXXX Declaration page multiple times via the following methods : Website Upload : I uploaded the document under your website 's " My Documents '' section. 
Email Submission : I emailed the document to the address provided by your representative over a week ago. 
Fax Submission : I faxed a copy directly to one of your customer service representatives.

Despite these efforts, I have been repeatedly informed that the document was either not received or deemed invalid due to " incorrect dates. '' This is inaccurate, as my insurance policy is active and valid. Furthermore, I received a confirmation that my emailed document was received, yet it was rejected without valid justification. 
XXXX and XXXX XXXX In my interactions with your representatives, I have : Spoken with more than six individuals, only to be transferred repeatedly without resolution.Been given contradictory and unreasonable explanations, including an assertion that my computer may have a virus. This mismanagement is not only unacceptable but has also caused me significant financial and emotional stress. The constant barrage of late notices, phone calls, text messages, and emails, despite my consistent payments and insurance coverage, has taken a toll on me.
Product: Consumer Loan

I have a loan out with Navy Federal Credit Union that has been awarded to my ex-spouse in our divorce proceedings that is still showing on my credit report. I have offered multiple times to provide them with a copy of the decree, but they were unwilling to accept it. This is adversely affecting my credit score and history and I would like to have it removed. The account has been charged off because my ex-spouse has refused to pay since 2013.
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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # 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 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 or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can not be provided, I demand this payment be updated to On-Time as they should be as I was NEVER late. Thanks.
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 names : XXXX XXXX # XXXX XXXX # XXXX XXXXXXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX Each of the above has violated my rights in violation of the Fair Credit Reporting Act. 

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 an 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 card

Hello : I purchased an iPad on my credit card from XXXX. The credit card company advertises card benefit services and purchase protection for 90 days. We no longer wanted the item after 15 days, and contacted the credit card company. After mailing the company back our item, they are requesting information which is on the product ( which they have in their possession ). They said they are unable to give us the information ( even though the item is in their possession ).