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

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 includes : Account name : XXXX XXXX XXXX XXXX Account balance : {$6700.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX Account balance : {$350.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account balance : {$320.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account balance : {$520.00} When account was opened : XX/XX/XXXX Account name : XXXX  XXXX XXXX Account balance : {$1300.00} When account was opened : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries, charge offs and fraudulent collections appearing on my consumer FICO credit report. I've attached 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, # XXXX, and # 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 reporting or other personal consumer reports

Unauthorized inquires on my credit report. 

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
Product: Credit card or prepaid card

to whom it may concern. 
on XX/XX/XXXX, i purchased an Item from XXXX : {$140.00}, and the purchased was canceled, then on the XX/XX/XXXX the full amount of {$140.00} was credit back to my discover card end : XXXX this was showing on my discover account website. but on XX/XX/XXXX the discover posted the temporary an investigate pending amount {$140.00}??? why be cause the XXXX already credit & refund it back to my account on XX/XX/XXXX. now the discover card said I OWE {$140.00} back from XX/XX/XXXX as it said reversal on my account ' however it post as XXXX transaction {$140.00} ON XXXX?? WHY NOW?. From XXXX XX/XX/XXXX all my account statement never posted any amount {$140.00}, until now XXXX?? DOES THIS ACTED comply with the '' BUSINESS & PROFESSIONAL CODES ''? 
- Please be kind to fully investigate this matter, to ensure it won't happen to any consumer. 
BEST REGARDS XXXX XXXX CELL # XXXX
Product: Credit card

On XX/XX/year>, I received a letter from Citi Card regarding my credit card ending in XXXX. Citi Card notified me that two payments, one on XX/XX/year>, and another on XX/XX/year>, for {$150.00} each ( totaling {$300.00} ), had been credited to another card member 's account. On XX/XX/year>, I received another letter saying that one payment of {$12000.00} had been credited to another card member. However, after reviewing my account online, I discovered that Citi Card had reversed and rebilled my account {$620.00} without explanation. I have statements from my State Employees ' Credit Union confirming that Citi Card withdrew all the payments for the mentioned months of 2024. Citi Card has been harassing another customer ( my wife, for instance ) with this type of scam, which resembles banking fraud. I want Citi Card to credit my account with {$620.00} as well as an additional {$300.00} for damages. I had to spend several hours of work time addressing this issue : making phone calls to Citi Card and my State Employees XXXX XXXX XXXX, reviewing bank statements, and writing letters to various government agencies to stop this harassment from Citi Card.
Product: Mortgage

I have been going around in a circle concerning my mortgage with Caliber Home Loans.When my loan was transferred to Caliber from Vericrest Laon Servicing but Caliber would not honor the Loan modification that I had with then previous servicer. I make payments each month but they they say I do n't have a loan modification. So what do I have that i am paying each month? According to what the letter said on theb transfer everything concerning my loan would stay the same. That was not the case with Caliber. Caliber Home loans sent men final Loan Modification Documents 4 times I had them notorized and sent them. TheyXXXX claimed that New York was not able to record the final documents why? 
Caliber Home Loans will not work with me and now I have received a letter from an attorney. I pay Caliber every month. 
Please Help!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX {$2700.00} was transferred from my account without my authority. Upon realizing the issue I notified Bank of America, and was informed that they will research the issue and notify me of the outcome. About XXXX months later I called BOA and asked them about the outcome. I was told that they were unable to see any outside interference and claimed that someone used my phone to carry out the act. I then asked and was told.that the next step in the process was to file.a.police report. I did as was recommended and send the paperwork to them XX/XX/XXXX. On XX/XX/XXXX I called BOA was told that, i! should be contacted by XX/XX/XXXX, but it can take up to XXXX XXXX day to come complete this level of the process. It is my belief that BOA has been done an honest review of my issue, hence me reaching out to you for additional assistance. 
The claim # : XXXX
Product: Payday loan, title loan, or personal loan

To be honest. This has been a complete horrible experience. 
Never jumped through so many hoops in my life, and then had someone from a company cause so many issues bc they canceled my application, without my permission, which should be no issue of getting my application done and approved, and now, being told they can not approve me, but yet I was approved! 
I was told it would be no issue to get the backend to reinstate my application. 
I see others online with the same thing that this company has done to them. Seems like this company profits somehow without giving approvals and getting peoples information for nothing. Do they sell it? What is done with all of this information and not approve anyone? 
So, I feel that I definitely was done unjust and unfair. 
Absolutely wasted time that I could have went elsewhere and spent on them, and mislead me thinking they were going to resolve the reps issue, get my loan approved, and be done. 
So, really, I feel deceived by this company. 
I also ask for call backs, in emails, and no one contacts at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was a victim of fraud and the XXXX Security Breach and I have been disputing items on my Equifax and XXXX credit reports ever since. I also had XXXX in XXXX and it took me a year in which to recover so I was not working during this time either which means there was no way in which I was applying for any type of credit. I had no income. Every time I dispute items especially with Equifax they do not update the information accordingly if at all especially as it pertains to items and accounts that are closed and need to be deleted and removed from my credit report with them. From XXXX to the XXXX I have been working on my credit reports and credit scores in verifying information that is mine along with information that is not mine with Equifax and XXXX. As of today XX/XX/XXXX my credit score with XXXX is a XXXX and Equifax is a XXXX. My credit score is up and down as it pertains to Equifax and why I do not know because of the fact that I have XXXX out of XXXX accounts in good standing along with inquires that have also been removed, accounts closed, so why is my credit score a XXXX? When items are removed off of your credit reports and updated your scores increase not decrease. Equifax is reporting items that have closed on my account with {$0.00} balance and then with balances so it is affecting me more than once along with my scores being accurate. XXXX is the only credit bureau thus far that has updated my information accordingly and my current credit score with them is a XXXX as of XX/XX/XXXX. When, I dispute information with Equifax they drop my score instead of completing the updates in which they were instructed to do.
Product: Debt collection

account # XXXX I have contacted Receivable Solution account # XXXX. I have provided them my legal name and social ending in XXXX, birth date XXXX. They can not give me any more information due to fact that my social and birth date does not match, but this still show up on my XXXX credit report, debt does not belong to me. 

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

Experian, a credit reporting agency, provides no means of disputing an item on my credit report. For more than a month, their system says they're experiencing technical difficulties when attempting to file an online dispute. There is a toll free number provided, but does not enable a dispute to be filed there either. It is impossible to reach a live operator. 

I want them to remove a hard inquiry that should never been made in the first place. On XX/XX/2020, XXXX XXXX XXXX accessed my credit report via a HARD inquiry. I have never requested any credit from this company. It is simply a collection agency, requesting my report for an alleged original collection more than ten years old. If this company now owns an interest in this alleged 10 year old collection, it should have inquired via a SOFT inquiry, rather than a HARD inquiry. Their improper action has negatively impacted my credit score. 

I have also contacted XXXX XXXX XXXX and they have ignored my demand.
Product: Mortgage

In XXXX Nationstar Mortgage company bought my loan from XXXX XXXX XXXX. I did n't realize that my mortgage was being sold, my fault. Ever since they bought it I have had nothing but grief from that company. The balance in XXXX XXXX was {$68000.00}. The balance now is {$64000.00}. They sent me a letter dated XXXX/XXXX/XXXX saying that I have overpaid my Escrow by {$380.00} but because my escrow was changing they were raising my Loan payment by {$40.00} to cover the escrow this year. My taxes have lowered and no change in my insurance. I found out today that the insurance company that I have now is affilated with Nationstar called XXXX XXXX XXXX XXXX. I have made calls to Nationstar and the XXXX. XXXX XXXX. I got " call your insurance company '' from Nationstar, so I did. I got a representive from the insurance company who did alot of double-speak she admitted that My insurance had n't changed and to call Nationstar and gave me the same customer service number that I called. I applied for refinance with Nationstar in XXXX XXXX. They kept saying they would get back with me. 90 days later I was so fed up I told them I did n't want to refinance. The next thing I know I get the letter about increasing my monthly house payment. I am a XXXX citizen and am thinking about retirement. This arguing with this Mortgage company is getting upsetting for me. Can you tell me if this is a real company and if they are honest or not
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is not a good company to help you correct errors on the report. they put things on your report that is not correct that messes with your credit and when i called to ask them to get me back on the website it locked me out because their website will ask you 2 questions what car loan do you have and how much and what personal loan do you have and how much and when you say you dont have one it locks you out and when you call them to get back back in they wont do it. they just do this to get you to have to send in your ss card and drivers liscense in and this seems like a scam to me to do this on the website so you cant get a copy of or credit report so you can get off the items are are fals on their website. even the supervisor XXXX said she wont help to fix so you can get back in the website to get these items off the website. i told them i got denied credit and i have excellent credit but something you have on your credit report that you put on there that is not correct i need to get off but they wouldnt help me dispute it when i asked to dispute it. this company is a scammiing company how they put that question on their website to lock people out so they cant get into their website by asking everyone the same question when you dont even have a loan or personal loan to lock them out.
Product: Credit card or prepaid card

I had a nordstrom visa creditcard (issued by tdbank ) was closed by the grantor in XX/XX/XXXX, and there were pending charges on nordstrom.com were canceled. As a result, now I have overpay the balance, since all orders were canceled.  i want the bank refund the money how much i overpaid . I have called and talked to the customer service a few time and they said would call me back and never called.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Account name XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Balance {$7400.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXXXXXX  Account number XXXX Balance {$3300.00} Date opened XX/XX/XXXX Account name XXXX Account number XXXX {$2300.00} Date opened XX/XX/XXXX Account name XXXX XXXX  XXXX Account XXXX XXXX XXXX opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Balance {$1100.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Balance {$9600.00} Date opened XX/XX/XXXX Account name XXXX BANK Account number XXXX Balance {$76000.00} Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Balance {$9900.00} Date opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX have been trying to remove these inquiries from my credit report for the past three. My final written request to the credit bureaus was received on XXXX XXXX. They have yet to respond to delete the following inquiries. Please remove immediately.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required XXXXday notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts appearing on my credit report, and I cant figure out why. Ive always kept an eye on my report, but this time, there were errors that came out of nowhere. I even refreshed my browser, hoping it was a glitch, but nothing changed. The inaccurate accounts stayed there, and Im feeling helpless. I really need the documents Ive sent to be reviewed carefully so that I can stop worrying about this nightmare.
Product: Debt collection

Back in XXXX of XXXX, I closed my account with the internet provider, XXXX. I closed my account with XXXX, because I wasnt receiving the service I was paying for, and their customer service was unhelpful in resolving my service discrepancy. As a result, I paid the balance owed on the account, which was in the amount of {$65.00}, with a convenience fee of {$3.00}. After I paid my balance, I closed the account, and immediately changed service providers. Some time after, XXXX attempted to collect an erroneous debt I didnt owe, and reported the debt to the credit bureau XXXX XXXX XXXX I disputed the debt, and XXXX determined that I didnt owe anything, and removed the debt from my credit report. Now, this year ( XXXX ), it appears Transworld Systems ( a debt collector ) is attempting to collect on an erroneous debt they claim is on behalf of XXXX, in the amount of {$540.00}. Theyve recently reports to the credit bureaus XXXX XXXX XXXX. Ive disputed both, but both XXXX XXXX XXXX are reporting that Transworld Systems is reporting accurate information. Ive requested evidence & an itemized breakdown of this accurate information, but neither XXXX, nor XXXX have been forthcoming with it. Instead theyve referred me to contact Transworld Systems, the debt collector. Ive attempted to contact Transworld Systems, but theyve been completely unhelpful in resolving the matter, and have been less than forthcoming with any evidence Ive requested, including failing to provide an itemized breakdown of the erroneous debt they claim I owe. They didnt even get my name correct. At this point I dont know how to resolve this matter, as none of the parties involved seem interested in helping. Whatever is being reported by Transworld Systems is false, and inconsistent with my credit history, and inconsistent with my experience with XXXX ( the internet service provider that Transworld Systems is apparently attempting to collect a debt on behalf of ), and is completely inaccurate. I am requesting that this erroneous debt be removed from my credit report history, and that Transworld Systems cease and desist their attempts to collect on this erroneous debt.

Upon further research, Transworld Systems appears to be a scam, which is being reported by numerous consumers who are having a similar experience, that Transworld Systems is attempting to collect on a debt not owed. A simple XXXX search will reveal other consumer reviews of Transworld Systems, as well as the over XXXX reviews reported at consumer affairs hXXXX XXXX XXXX # reviews
Product: Bank account or service

On XXXX XXXX, 2016 my wife and I attended a scheduled closing for the sale of our home in XXXX, Ohio to XXXX and XXXX XXXX. The loan was scheduled at noon to allow my wife and I to travel 2.5 hours from our new residence. Within 20 minutes of arriving, all the paperwork on our end ( sellers ) was completed and the buyers had completed theirs prior to our arrival. The title agency employee stated she had to contact PNC Bank to release the funds before the check could be given to us. She came back into the room numerous times, telling us that they were trying to get the funds released. Finally AFTER TWO ( 2 ) HOURS, funds were released and we received the check. She stated that she had another closing recently where the sellers were forced to wait three ( 3 ) hours before the funds were released. 
My complaint is that there is no reason for anyone to wait 2 or 3 hours for funds to be released when the loan is already approved and the bank scheduled the closing. My wife and I had plans with family before we left XXXX to return 2.5 hours to our home. These plans were forced to be cancelled because of the way PNC Bank does business when closing on the sale of a home.
Product: Vehicle loan or lease

Purchased a car through carvana which included registration. My temporary tags are set to expire in less than a week and I can't get no information from them. I have tried messaging them for the past several days, only getting " no updates '' due to covid.