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

Hi my name is XXXX! Im new to credit world i got 2 credit card and my score is above good score! Recently i got recommendation from intuit creditkarma app that says i got pre approved for XXXX XXXXXXXX XXXX XXXX XXXX and i thought if app recommending me this then i should have no problems with getting approved and i applied then i got denied! I was shocked now i got hard inquiry report on my credit score without my mistake! Pls if u guys can remove that i would be so appreciated
Product: Credit reporting or other personal consumer reports

I called XX/XX/year> for them to send the Notice of Deficiency Balance they never did. I filed complaint in XXXX they responded to that saying they sent it but they never did. By law they are suppose to or Im not liable for the difference after the car is. Also The creditor must send you a sale notice before selling the car which they never sent either. They can not recover the remaining balance on your loan after the sale if they fail to provide you with a notice of deficiency balance. 
On top of that sold was sold to the same company that I brought it from and never went to an auction. And they sold the car for half the price I brought it for and I know it didnt lose {$8000.00} is value in 5 months
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   continues to report account as being delinquent. Credit report shows last payment was  XXXX  2017. This inaccurate. Submitted banking statement and checks to dispute delinquency. Lenders have denied application for refinancing and/or personal loan due to reported delinquency.
Product: Debt collection

My report is showing two accounts that are charged off/written off, XXXX XXXX account XXXX XXXX and OneMain Financial account number XXXX. According to 15 US code 1681c ( c ) this information should not be reported on my consumer report. These accounts should not be reported as negative on my consumer report I am requesting a 1099c form which I never received to make sure they were in compliance they are violating 15 USC 1681eb for reporting information that is not one hundred percent accurate. These accounts should be removed immediately.
Product: Credit reporting or other personal consumer reports

The following information is incorrect on my credit report. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX  XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

We applied for a home equity loan in XX/XX/2020. We did it over the phone with PNC Bank. For some reason ( no one could explain why ) a couple of weeks later they said we had an incomplete application and that we needed to apply again. I asked the representative on the phone if that would hit our credit again or if they would use our score from the previous application. He assured me they would use the score from the first application. However, when I just recently went to XXXX I noticed that PNC pulled my credit twice, one for each of those applications we put it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurately the amount of time the account has been 30 days, 60 days and 90 days past due as compared to XXXX and XXXX. The firm in question is XXXX XXXX XXXXXXXX. This firm is also currently under litigation by the attorney generals of several states for illegal and unfair practices towards consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes and submitted and FTC report for fraudulent hard inquiries listed on my Transunion report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The payment history section on this account is listed as late and I never been late on this account. Please update inaccurate information.i need to see all bank transactions and statements that belongs to this company that would prove my payments were not excepted on time or you need to remove. these unverified late payments immediately.
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

My Amex gift card doesn't work anywhere online. I have tried XXXX, XXXX, XXXX, XXXX, and I've also trying transferring it to cash. I am having no luck. I have called customer service several times and always get the same answer, " keep trying your card. It is active and has a balance of {$360.00}. '' It will not work. I am so frustrated with them and with this stupid card. What can I do? Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I dont have any credit card from based on the XXXX open that account we back XXXX but i XXXX here in United States XXXX XX/XX/XXXX how come I have Deliquent to that company and my all information always have mistake even how many times that I spoken them and spelling correct to agent I spoked too and why they cant stop the people and company inquiries to my name and my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting you this CFPB Complaint to dispute the accounts on my credit file that belong to my daughter. These accounts have been incorrectly reported on my credit file and are negatively affecting my creditworthiness. I request that these accounts be removed from my credit file immediately. Under the Fair Credit Reporting Act ( FCRA ) Section 611, I have the right to dispute any information on my credit report that is inaccurate or incomplete. These accounts are not mine and should not be reported on my credit file. Their presence on my credit report is a clear violation of my rights under the FCRA. These are the accounts I am requesting you to please take off of my Credit File : XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00}. I have taken steps to verify that these accounts belong to my daughter. Therefore, I am requesting that the credit bureaus investigate these accounts and remove them from my credit file as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act North Carolina XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 100 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Debt collection

Only received information from credit bureau saying they updated my credit file ... ... first creditor included debt with Internal Revenue Service, so they are double dipping, because they then come back and SELL the DEBT .... something is not right with this process, I'm not rich, I'm XXXX XXXX with XXXX on a fixed income.. I've had XXXX caregivers with the last XXXX yrs someone used my information I filed police report, but I can't find it since I moved..these companies are getting rich off the poor
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File NO. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation. This the account that I marked as inaccurate : XXXX XXXX XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is on my credit report, it is listed under Accounts with Adverse Information the account from the XXXX website says the account should have been deleted in XXXX, 2019. The account still remains, XXXX says the account is positive which is not correct since it was handled by a credit counseling service. Please see attached screen shot. This account should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Report to CFPB Regarding Equifax Account XXXX : XXXX Disputes and Potential Identity Manipulation Dear Sir/Madam I am writing to report a concerning issue with Equifax, a credit reporting agency, that has resulted in ongoing disputes regarding several accounts on my credit report. I have reason to believe that my personal information and credit data are being mishandled and potentially manipulated by someone working within the Equifax system. 
Over the past few months, I have reported discrepancies in my credit report to Equifax, but they repeatedly fail to correct the information accurately. I have provided clear and legitimate documents, including a copy of my Driver License and Social Security, yet these are being entered into the system with errors, appearing as dark or blurry pages. I am certain that I have printed the documents clearly, raising suspicions that my information might be intentionally mishandled. 
Moreover, I noticed that Equifax has placed a military Fraud Alert on my credit profile, which is erroneous since I am not associated with the military in any way. This false alert has impacted my creditworthiness and caused undue stress and concern. 
Considering the gravity of the situation and its potential implications on my financial standing and personal information security, I kindly request the CFPB 's immediate investigation into this matter. Equifax 's failure to address and rectify the errors in my credit report raises serious concerns about the security and accuracy of the data they hold. 
I am prepared to cooperate fully with any necessary procedures to resolve this issue and provide any additional information or evidence that may aid in the investigation. 
Thank you for your attention to this matter. Your prompt action is greatly appreciated. 
[ XXXX XXXX ] [ ( XXXX ) XXXX ]
Product: Debt collection

They said it's for a hospital bill that doesn't exit or is on my credit file.
Product: Checking or savings account

XXXX took a refund from my checking accnt instead of my XXXX account and caused me to overdraft and Capital One said to me they only allow 1 OD waiver every YEAR. 

I have been with the bank for years, and one waiver a year, really? Especially if it's not your fault! I have taken countless OD fees, that were my mistake! 

The OD was on XX/XX/18 for {$35.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It is impossible to cancel my membership account. I am being charged {$24.00} per month for a service I can not log into and it has been this way for more than a year. Every time I try to log into my account it says I am unable to do so and that I need to contact customer service. When I contact customer service I am put on hold for hours and never get through so the problem is never fixed. 

I have emailed their customer service as well stating I want to cancel my account and never receive anything back.
Product: Credit reporting or other personal consumer reports

Federal loan servicing was in charge of my student loan. It then got transferred to XXXX because they took over for the government on servicing loans. Fed loan servicing is reporting that my account is more than 120 delinquent ( I have NEVER been delinquent ). I spoke to them about this issue and also disputed it with the credit reporting companies in XXXX. It was never fixed. Now I can't get ahold of anyone at Fed Loan Servicing. The line rings busy. Both XXXX  and XXXX refuse to remove it from my report but I had never been late.
Product: Credit reporting or other personal consumer reports

in accordance with the FCRA XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX has violated my rights under 15 USC 1681 section 602, which states that I have the right to privacy furthermore 15 USC 1681 section 604a 2 call also states, a consumer reporting agency can not furnish an account without my written instructions. Oh, lastly, under 15 USC 1666B and creditor may not treat a payment on a credit card account on an open-ended consumer plan as late and 15 USC 6802 obligation with respect to disclosure of personal information.
Product: Debt collection

I tried calling company and telling them I have no knowledge of this account also they have no signature or proof that I setup this account ...
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a LOAN opened at XXXX XXXX XXXX XXXX {$14000.00} on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

XX/XX/2022 for XXXX I tried telling them this is not my account is shows as closed. Keeps posting on my collections. It is not my account from XXXX XXXX XXXX I've never even left XXXX XXXX so this is not my account and they are aware they refuse to remove it off my collections and it's affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX XXXX  ACCOUNT NUMBER XXXX ACCOUNT NAME THE XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX accordance with the Fair Credit Reporting act XXXXXXXX  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 instructions
Product: Debt collection

Every couple days I get a call from : Caller : ( XXXX ) XXXX A XXXX XXXX  I called them back and told them I do NOT have outstanding parking tickets in XXXX and to take me off their call list. They continue to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified erroneous tradeline listed by XXXX XXXX XXXX  still remain on my credit report in violation of Federal Law. XXXX XXXX XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the result of XXXX XXXX XXXX  first investigation and subsequent reinvestigations, they stated in writing that this account in question was verified that this tradeline was being reported correctly! Who verified this accounts? XXXX XXXX XXXX  has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA  XXXX XXXX XXXX  is required to promptly DELETE all information which can not be verified. In XX/XX/XXXX correspondence from XXXX XXXX XXXX  stated that " we are obligated to report accurate information to the consumer reporting agencies ''. In your XX/XX/XXXX letter XXXX XXXX stated that my account had been VERIFIED. In XX/XX/XXXX, I requested the method of how such verification was done and none was provided! I am attaching a letter from XXXX XXXX dated XX/XX/XXXX, in which XXXX XXXX XXXX states clearly on behalf of XXXX XXXX that " we are unable to provide you with a copy of a signed contract ''. Of course, they don't have a signed contract because I NEVER had any debt with your company!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX on several occasions through out the year. beginning in on XX/XX/XXXX XXXX, XXXX XXXX and XX/XX/XXXX XXXX have been given the run around and the inaccuracies still remain on my credit report.
Product: Checking or savings account

I opened a checking account with Citi bank to get bonus cash. Requirement were to fund the account within 30 days with {$15000.00}, hold the funds there for 60 days. After that requirement met, I was supposed to keep at least {$10000.00} in the account for 90 more days to obtain {$400.00} bonus. All requirements described above were met and confirmed by multiple Citi supervisors. 

The account was funded on XX/XX/18 and the refund shouldve been in the account no later than XX/XX/18, which never happened. 

I opened a complaint on XX/XX/18 with Citi bank, they acknowledge the mistake, however stated it will take 20 more days to resolve the issue. Until the issue resolved, I will have to keep the funds in the account, otherwise they will charge a fee, which makes over 30 more from the due date. 

I can provide the complaint case if needed