23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was making a hotel reservation on XXXX when a XXXX  ( WellsFargo ) Credit Card offer was made just before completing my purchase, and it said I would received {$150.00} off of the reservation -- the screen literally showed my booking dollar amount with the {$150.00} deduction and the new reduced rate ( see uploaded screenshot ) -- so I proceeded with the application. I received an approval notice to my email with only the last four digits of an account number, which would not allow me to complete my hotel reservation. I called the phone number and asked to be provided my account number, and they transferred me to multiple departments, verifying my personal information each time, when someone came on and said they would give me the account number but only if I agree to open an on-line bank account for deposits. I found this very shady and refused. Ultimately they declined to provide the information I needed. I had to complete the booking without the offer. I would never have applied for this credit card were it not for this offer. I feel that this company is employing fraudulent tactics to get people to apply for credit cards and open bank accounts. They shouldn't be allowed to get away with it.
Product: Credit reporting or other personal consumer reports

This account was charged off as a collection on the following date XXXX of XXXX. It is also being reported on my report that the account is closed and in collection with EXPERIAN but the account status is also being reporting to being an Open account which is also inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN & XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : EXPERIAN Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 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 an installment loan account opened at XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account # XXXX, a hard inquiry made by XXXX XXXX XXXX XXXX on XX/XX/XXXX, a hard inquiry made by XXXX XXXX  on XX/XX/XXXX, and a hard inquiry made by XXXX XXXX XXXXXXXX on XX/XX/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 # XXXX 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 card or prepaid card

I have had a home depot card through citibank and they have closed my account with no fault of my own no balance and the reason they did is not true and do not know where they come up with there fictitious reasons this is the second time they have done this and have no regards to someones credit and how they expect us to have good credit when they first give you a credit limit of XXXX and then XXXX and then today the said they closed my account have never missed a payment and said there was something on my credit that is not true my accounts are all current and there has been no late payments and have not to them at all this is the second card they have done this too me do they ever think how this hurts the home depot which has been having problems can understand why i mean what kind of people are they giving credit too i think this is unfair without them investigating most things are wrong on your credit reports anyhow which is unfair to us i mean first of all we get a ding for applying for one and then lower your credit limit and then that is another ding and then close it that is a major ding im so tired of these companies getting away with hurting our credit when we pay our bills and work very hard to do so XXXX XXXX
Product: Credit card or prepaid card

I have had a credit card with XXXX XXXX since XX/XX/XXXX, I have never had a late payment with the company. The credit card account issuer is Elan Financial Services ( US Bank ) but under the brand XXXX XXXX. On XX/XX/XXXX I received correspondence stating my account had been shut down with their reasoning that I " had fallen victim to a credit card scam. '' The correspondence went on to say '' we have made several attempts to contact you by phone, but have been unsuccessful. '' Neither of these statements were correct, as numerous times I've had to contacted XXXX to assure them the charges in question were legitimate. Due to the numerous holds that were occurring on my account XXXX XXXXXXXX customer service representative provided me with the direct telephone number to the fraud prevention department. During the month of XXXX I had made several calls to the fraud prevention department assuring them that indeed the credit card charges were legitimate. Towards the end XXXX I contacted the fraud department to unlock my card once again and was informed the account had been shut down due to suspicious charges. Since that point I have been unable to rectify the account closure with XXXX. As a result of the account closure I also had XXXX ( {$510.00} ) in XXXX XXXX XXXX forfeited which I am unable to receive. As of XX/XX/XXXX I had paid off the amount due ( {$20000.00} ). I have perfect credit and have had every account in my 16 year credit history paid in full and on time. In addition to the {$510.00} in rewards that have owed to me, my concern is account closure will look poorly on my future credit history. 

Summary : -XXXX  thought I fell victim to credit card scam, which I did not. 
-Unable to dispute this accusation directly with anyone at XXXX XXXX 
-I am not able to receive {$510.00} in credit card reward points from the account owed to me from the charges I had made.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax I have reported that someone was using my credit and that I did not make certain inquiries or charges on my account they did not send me any information that I needed to continue to get this off of my credit and it has caused problems nor have they resolved the issue in fact all three credit bureaus have different credit scores
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Student loan

As stated in last complaint 1. Lack of info from creditor 2. Intentionally drawing interest 3. Not providing me information on how to pay and how to log in
Product: Credit reporting

I am disputing a collection on my credit report that is keeping me from obtaining a please to live. The account is with an apartment complex I never lived in. I found out that my daughter put this apartment in my name and has failed to pay the delinquent amount owed. I did n't find out until I relocated and is unable to get an apartment due to this on my credit report. They are unwilling to work with me on a payment plan due to the age of the account. This not being my responsibility am I liable and what steps due I need to take to correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX KCB Credit LLC XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am so baffled about this situation! As anticipated, CFPB and TRANSUNION have ignored my request YET AGAIN for REMOVAL of the account below which is not mine. You guys seem like a lot of passing the blame or no accountability. Well whatever the reason, I'm beyond disturbed. I have provided all you need from my personal information to my FTC and Police Report which I have filed, but nothing has altered. Now tell me, are you playing around?! Coz let me notify you that you are NOT OBEYING with the law. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or ELIMINATE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. And where are those evidences? NOT A BIT! You have provided ZERO PROVABLE PROOF! I dont want to be so horrible, but please FOLLOW THE LAW! COMLY WITH IT AND REMOVE THIS ACCOUNT INSTANTLY! 

XXXX XXXX  XXXX Date Opened XX/XX/2018 Balance {$0.00}
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dear XXXX, I am writing to dispute unauthorized credit inquiries on my credit report that I believe to be fraudulent. I did authorize the inquiry but I got denied for a loan based from a fraudulent collection account. They removed the collection account as asked. If the fraudulent collection account was not on my report I would have been approved for the personal loan. I couldn't bury my grandmother because of the loan denial. I am requesting that this item will be removed from my credit report as they are affecting my credit score unjustly and essentially ruining my life. I called NAVY FCU and they told me disputes are placed on XXXX and not through them. 

Personal Information for Verification : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX The details of the fraudulent inquiry are as follows : NAVY FCU ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This inaccurate reporting is negatively impacting my good name, character, and ability to qualify for new credit. As a consumer, I have a right to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. 

Enclosed are copies of [ any relevant documents or proof of the dispute, such as my ID, I request a prompt investigation into these matters and the removal of these unauthorized inquiries from my credit report. Please confirm the receipt of this letter and inform me of the outcome of your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Financials credit card companies that support Amazon, Ashley Furniture, and Dicks sporting goods. I am building a dream home for myself and my family. During this process which we are about to break ground. My mortgage company was obtaining my construction loan, when we were told that my credit score had dropped due to me being marked late in XXXX of XXXX by amazon, ashley, and dicks sporting goods. I was not too happy because, I had paid all of them off in XXXX. see attached info. My accounts were basically closed and paid off at the time this derogatory credit comes up in XXXX. 

Let 's be truthful now, if you looked at my history, I lapsed on most of my cards at the end of XXXX because my mom was sick and eventually, she passed. I used all of my available money to fly back to see her. That's what put me behind, I paid them all off in XXXX and they were either closed by the creditor or closed by me. I don't care about my credit history in XXXX, XXXX, and XXXX. I chose not to pay them in order to do something else and that's on me. The ones listed in XXXX is a mistake and not on me. I have tried to call them and some of them say its the credit bureaus fault, all i asked for was a letter stating that it shows paid off my account in XXXX and the payoff amount. I even pointed out to the operators that the computer answering service said my account was at XXXX and I paid my cards off in XXXX.
Product: Credit card

Several payment made on my Macy 's credit card that I did not make in XX/XX/XXXX. I filed a fraud report, and closed the account. I received no further information. I then received an email in XX/XX/XXXX saying that the account is overdue, from both Macy 's and a credit agency. I called Macy 's. They cut me off 4 times in the space of two hours. They still have not resolved the problem. My perfect credit history is at risk and they have cause significant mental distress.
Product: Credit card or prepaid card

I am writing in regards to my account with SYNCB/PPC Account # XXXX, the reason for this request is the reporting of late pays reporting in XXXX XXXX XX/XX/2020. As I am sure you are aware that FEMA declared a national disaster occurred during that time which has impacted me.
Product: Credit reporting or other personal consumer reports

I am writing to address significant inaccuracies on my credit report and to formally request compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681i. Despite filing a dispute with your agency, it appears that the required reinvestigation and resolution process was not followed in accordance with the law.

Under the FCRA, you are required to : 1. Conduct a reasonable reinvestigation of disputed items and notify the consumer of the results within five business days after completely the reinvestigation ( 15 U.S.C 1681i ( a ) ( 6 ) ( A ) ).

2. Forward disputes to furnishers in a timely manner ( 15 U.S.C 1681i ( a ) ( 2 ) ( A ) ).

3. Ensure the accuracy of the information on the report by implementing reasonable procedures ( 15 U.S.C 1681e ( b ) ).

Unfortunately, my experience indicated that these legal obligations were not fully adhered to, Specifically, the following inaccuracies remain unresolved and require immediate correction. 
Account name 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  As outlined by the FCRA, failure to resolve disputes within the FCRA required timeframe entitles me to request the deletion of the disputed items from my credit report. I request that these items be thoroughly reviewed, and if they can not be verified or correct, they must be removed immediately to ensure compliance with the FCRA.

Should these issues not be resolved promptly, I will have no choice but yo file complaints with the Consumer Financial Protection Bureau ( CFPB ), and Federal Trade Commission ( FTC ) and other relevant agencies.

I will trust that you will address this matter with the urgency it requires and ensure full compliance with federal law. Please proved a writing confirmation of resolution. 

Sincerely XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Debt collection

I have seen collection on my XXXX credit report and I have called the company to figure out what is it and why it is on my report as I have not received any kind of service which collection describes. Collection company have false information ( might be because of the same last name ). I have tried disputing with XXXX but I doesn't allow me to do it online and I have tried calling it many times but not getting any response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are credit inquiries on my credit report that I did not authorize. I only allowed XXXX to pull my credit one ( 1 ) time and I'm not sure how they were allowed to pulled my credit numerous of times without my consent. I did not authorize the following inquiries and I want them removed immediately. It should have been a red flag with XXXX, Equifax and XXXX. I want the following inquiries removed XXXX can not provide any infomation or signature stating I agreed to any of the following hard pulls on my credit file XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XX/XX/2020
Product: Credit card or prepaid card

On Tuesday, XX/XX/2021 I tried closing my Wells Fargo credit card after fraudulent charges were made on it for the third time. I was told I could not close the account and would be issued a new card instead. The card was not deactivated and {$1000.00} was accrued onto the card. When I called again on Thursday, XX/XX/2021 to cancel the account and file a fraud claim with Wells Fargo credit card company, I was again told that I could not close out my credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have tried to dispute the XXXX XXXX account on my credit report several times. 
My social security number was compromised and I became aware of it last year and despite my efforts to dispute the XXXX XXXX account, it remains on my credit report. 

This account was opened in my name using my birthdate, name and social security number without my knowledge. I disputed it with Transunion, XXXX, and XXXX  3 times. They refuse to remove it. The XXXX XXXX XXXX also refused to remove it, even though the account is not mine. 

Company name and Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX Phone XXXX
Product: Money transfer, virtual currency, or money service

I tried depositing money from Skrill into my XXXX account and I received a notice that the transaction failed, and my account would be permanently closed with XXXX explanation or reason provided. To my knowledge, nothing I did violated the companys terms and conditions, and I was well within my right to deposit my money as I saw fit. The company has refused to provide me any sort of information regarding this issue, and asserts my accounts closure is permanent. This is extremely unfair and discriminatory and I hope they can be penalized for the terrible mistreatment Ive suffered from them.
Product: Mortgage

I did a VA refinance loan through Emortgage Funding to payoff some debts. An Emortgage team member told me to contact one of the debtors, XXXX XXXX, for a settlement offer. I did so and a settlement was offered but had to be paid within 5 days. Three days later Emortgage notified me that they could not close until the following week so I sold some of my personal property to pay XXXX and notified Emortgage of this. During conversation with the Emortgage team supervisor he also agreed Emortgage would reimburse me half the cost of the home appraisal. At closing Emortgage stated they must issue me a check for XXXX but for me to hold it and once they received verification from XXXX the debt was paid Emortgage would reissue a check to me for the amount plus half the appraisal cost. It has been over 30 days since Emortgage has received this verification and after multiple attempts on my part Emortgage has yet to send me the agreed upon check. I still have the original check.
Product: Mortgage

I have fallen into a financial hardship after my husband passed away, My income has fallen and i fell behind on my mortgage and have not been able to bring my account current, i have submitted a complete hardship/modification assistance package on XX/XX/2017 and SLS is refusing to review me for any sort of modification assistance, I dont know what to do and i am afraid of loosing my home. I called SLS after i submitted the file on XXXX and they confirmed me that they received my modification assistance package and they even requested additional documents to review my file. i have been following up with SLS every day after submission and they have stated that the modification is being reviewed. after a week of review SLS has led me to believe that i was being reviewed on XXXX SLS stated that they will not review me for a modification. For the past week I was informed that i was being reviewed by SLS now with only 9 days to the sell date of my property SLS wants to proceed with the foreclosure. SLS is doing everything possible to sell my home and not help me.
Product: Credit reporting 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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following with Equifax several times with no outcome and I do not know what else to do.       XXXX   XXXX   XXXX   #  XXXX  - Unknown and not mine, remove  XXXX   XXXX   XXXX   XXXX  - Outdated and past the statute remove
Product: Credit reporting or other personal consumer reports

Please remove these inquiries. I have no knowledge about them, and the company did them without my consent.