23daVinci/CFPB_Complaints huggingface dataset:
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, DEPT OF ED/XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

I have disputed three ( 3 ) collection accounts that Equifax is reporting on my credit file. My most recent dispute attempt to Equifax, XX/XX/2019, included supporting documents which establishes the debt buyer in question ( XXXX XXXX XXXX ) has : re-aged the debt, provided fraudulent documents to establish ownership of debt, more than one collection agency claims ownership of debt, and letter from original creditor showing account paid in full. 

Equifax refuses to delete these junk debt buyer collection accounts from my credit file. My disputes, supporting documents, and demands for evidence are simply dismissed. 

Equifax provides nothing to the consumer as to what exactly is completed in an investigation process. 

If the debt buyer can claim ownership without tangible legal verification and Equifax allows this - where does this leave me as the consumer?
Product: Credit card

I was in XXXX XXXX and a cab driver charged my credit card XXXX even though the meter said approximately XXXX ( XXXX XXXX ). My bank, golden1 credit union has a guarantee of complete fraud protection in their terms of service, yet they won't reverse the charge.
Product: Credit reporting or other personal consumer reports

CHRAGED ME {$14000.00} FOR GOODS AND SERVIES WE NEVER RECEIVED. THEY HAVE BEEN GIVEN DOCUMENTS FROM MULTIPLE ENTITIES, HERES ANOTHER FROM A LAWYER ACROSSED THE COUNTRY STAEING THEY HAVE BASICALLY WORKED WITH XXXXXXXX XXXX WARRANTY COMPANY TO CONTINUNE TO DEFRAUD XXXX AND CONTINUE TO CASUE EMENSE FINANCIAL DITRESS TO MY FAMILY. NOT TO MENTION XXXX XXXX XXXX XXXX XXXX  IS SUPPOSED TO BE IN XXXX XXXX AND GET THERE BECUASE HER TRUCK IS STILL IN THE SHOP AFTER 18 MONTHS. 

- THE CONTINUE TO INTIENTIANLLY STEAL FROM USE - THEY HAVE NOT ADDRESSED THIS ISSUE WITH ME ONCE IN 2 YEARS AND I CO SIGNED FOR THIS LOAN AND THEY NEVER GAVE MY WIFE WHAT I SIGNED FOR. 

credit acceptance has been supplied with hundreds of documents and they STILL commit fraud taking our money, charging us, and post late payments for the fraudulent sale!!!! DENIED AGAIN FOR AN AUTO LOAN YESTERDAY!!!!!!!!!!!!!! Why? Late payments posted by you.
Product: Debt collection

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Other Last Names : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, I am writing to dispute the following information that appears on my XXXX and XXXX reports XXXX XX/XX/XXXX : Collection account from XXXX XXXXXXXX XXXX XXXXXXXX XXXX account number XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of several fraudulent accounts listed on my credit report. As a victim of a recent data breach, I am entitled to this action under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The following accounts were fraudulently opened in my name and do not belong to me : XXXXXXXX XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$580.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$580.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$11000.00} XXXX. XXXXXXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had someone steal my identity and they tried to get personal loans with two companies on XX/XX/2019. XXXX called both and tried to resolve the issue, and both hard inquiries are still showing on my credit report. I did not make these loan requests and have put a credit freeze on all my accounts. The two companies that the loan requests were made to are : XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I noticed that certain items are incorrect and need to be updated or deleted. 

XXXX XXXX Balanced $ XXXXThis account is reporting inaccurately LOOK AT THE BALANCE IS XXXX please remove the late payment.. 

XXXX XXXX  XXXX XXXX Balanced $ XXXXThis account is reporting inaccurately LOOK AT THE BALANCE IS XXXX please remove the late payment.. 

XXXX XXXX XXXXXXXX Balanced $ XXXXThis account is reporting inaccurately please remove the late payment.. 

XXXX  XXXX Balanced $ XXXXThis account is reporting inaccurately please remove the late payment.. 

XXXX XXXX Balanced $ XXXXThis account is reporting inaccurately please remove the late payment.. 

XXXX XXXX XXXXXXXX Balanced {$0.00} This account is inaccurate please delete. 
XXXX XXXX Balanced {$0.00} This account is inaccurate please delete.
Product: Checking or savings account

My account, ending in ( XXXX ) was compromised, whereas someone disputed my valid transactions & I disputed the FRAUDULENT DISPUTES! I received a provisional credit, in the amount of {$7800.00}, to make good, on the valid transactions, that were disputed, fraudently! However, there was a XXXX transaction, that obviously wasnt disputed, by CitiBank, as fraud, considering it wasnt handled, like the other transactions. I pleaded with Citi, via phone/email/internet/fax, to correct this, but they would not! The transaction should have been reversed, as there should be nothing, for me to provide, considering the initial dispute, that was disputed, by me, was FRAUDULENT! One of your staff members handled this, as a regular dispute, though it was fraudulent! Please fix this, as my account is closed, with a negative balance of {$2700.00}! I would appreciate it, if my account were reopened, as it should have never been closed, Also, Id like to be compensated, for damages, as this caused a trickling effect of derogatory situations, for my children & me! Thank you!
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed a {$72.00} charge on my ( Citibank ) credit card that I did not authorize ( dated XX/XX/XXXX ). Through my Citibank online portal, I clicked a linked on the unauthorized charge labeled, " Dispute Charge ''. The next screen was boldly titled, " Dispute a Charge '' prompted me to select a " Reason for Dispute '', and I selected an option labeled, " Charge not recognized or authorized ''. There was no link or verbiage to select any reason that had to do with 'fraud ' or 'fraudulent charge '. I clicked a button at the bottom of that screen labeled, " Continue '', which took me a final screen ( also boldly titled, " Dispute a Charge '' ) that asked me to click another button at the bottom of the screen to " Verify your Dispute ''. After doing so, I received no email, phone or text communications from Citibank notifying me of what I had initiated and what I could expect to happen next. Days later, when attempting to use my credit card, it was declined and I called Citibank to inquire why. I was told that I filed a fraud claim. I explained that I did NOT file a fraud claim, I simply " Disputed a Charge ''. I've called Citibank back numerous time and each time, I'm told that I did not " Dispute a Charge '', but I did " File a Fraud Claim ''. It's my understanding that under the Fair Credit Billing Act, Citibank is intentionally misleading their customers into filing fraud claims without making clear the process for and repercussions of doing so, thus removing my legal right to be made aware of the fraud claim process.
Product: Credit reporting or other personal consumer reports

I recently contacted ( XXXX, XXXX, Equifax ) to report that my personal information is inaccurate, there is over 15 different addresses, Variations of my Name I've Called over 3 times and even wrote each agency and they continue to report this inaccurate information,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date opened XX/XX/XXXX Balance {$210000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5200.00}, andXX/XX/XXXX ( Original Creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance : {$500.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard credit inquiry, onXX/XX/XXXX XXXX XXXX XXXX used a service, Credco and information not provided to them to obtain mine and my wife 's credit reports. When questioned about this they apologized for the miscommunication. I 've challenged this inquiry with both XXXX and Credco in writing to no avail. XXXX and Credco indicated that I gave verbal consent which I did not which is a lie. XXXX just gave me the running around. XXXX removed the inquiry after I filed a dispute but XXXX and XXXX refused to follow suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies did not report with the correct information, after numerous attempts to have the incorrect information removed they kept saying that the account was verified with no proof - last correspondence stated that they would no longer investigate into the error unless new evidence arose but the company has refused to remove themselves from my credit report since 2016 and I am refusing to wait it out until it just " falls off ''
Product: Mortgage

I was working with XXXX XXXX to get pre-approval for a loan which we received. I asked for two good faith estimates to be generated so we have an idea of closing costs and payments before we made the final decision to accept a counteroffer from the Seller. I received these Good Faith Estimates on Wednesday XX/XX/2023. After I reviewed these, I called XXXX we went line by line to understand all the costs. I asked at the end of the call to confirm what my closing costs were going to be, and he verbal agreed that number was as I stated. I then immediately followed up at XXXX with an email confirming what we discussed. I received a text message at XXXX stating that their own broker fee was placed in the wrong spot on the form and my costs would increase by {$12000.00}. We had already based out decision to accept the counteroffer after the phone conversation we had earlier and the email confirmation of what was told to me on the phone. Per the texts from XXXX, I was told that the system messed up where the fee was applied. My question is how many other people have gone to closing because of this issue and paid more than they expected but had no recourse shop around because it was too late. I received a call from XXXX, the area manager, who informed me per the small print on the good faith estimate they are free of any errors and miscalculations. I could understand a thousand here or there but ~ $ XXXX and your own fee is what was wrong seems a lot bigger deal. She refused to cover that mistake and since we were not contracted to work together has no reason to really help. She did offer to cover half the amount, but I am sorry this was a huge mistake on their part and again this is their own fee and how they make money how do you mess something like that up. I also, like others I am sure, make decisions based on closing cost as to how much out of pocket do I want to be at closing. I was using these numbers to decide if I want to put more down or buy more points to get a better note which I used to determine if this investment property would be worth getting. Having to spend nearly $ XXXX more then what was on the Good Faith Estimate sheets and my total which was verbally agreed to was correct, puts a huge impact on my investment decision. This additional money because their standard system generated form that they always use placed their own fee into a wrong category almost cost me my deal since I had to now go shop for a different loan provider and in the end cost me more money. This is better than being surprised at closing with $ XXXX and being told oh well our estimate says we are not responsible for bad calculations even. I entered into a purchase agreement because of the numbers they represented to me and from that point my clock starts ticking before closing on everything I must get done. I did not have time to waste shopping around for another lender nor was not looking to take more hits from credit inquires since I had to shop around.
Product: Mortgage

XX/XX/XXXX I refinanced my mortgage with Deven Muehle in XXXX, XXXX. I had homeowner 's insurance added in with the mortgage payment. In XXXX, the insurance lapsed but I reinstated it with another insurance company in XXXX. 

Doven Muehle put hazard insurance coverage on the loan of {$75.00} monthly and have not removed it yet although I bought a new homeowner 's policy in XXXX and they were informed by my insurance agent at that time and I have written them twice in the last few months asking for a refund of the $ XXXX charged on the loan since XX/XX/XXXX. 

I have not heard anything from them about the insurance money that was due back to me since XXXX even though the insurance company and myself have both sent them copies of the current insurance coverage. 

Thank you in advance for getting my money back. Senseless to pay for two insurances on one loan!! 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

This company appeared on my credit report as a collection account. Besides the fact that they are NOT licensed to collect debts in the State of NY, per the State 's Attorney General 's Office, I have never had an account with them, signed any applications nor contracts with them.

Moreover, according to 15 U.S.C. 1681e ( b ), all information reported by the credit reporting agencies must be 100 % accurate. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that any information that is found to be inaccurate or incomplete must be corrected or deleted from my credit report.

This company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

Did I give written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Upon reviewing my credit report, I have found multiple inaccuracies with the reporting of this account. These inaccuracies include the incorrect reporting of late payments, which do not accurately reflect my payment history. As such, I kindly request that these inaccuracies be thoroughly investigated and resolved by removing the account from my credit report entirely.

Failure to respond satisfactorily with deletions of the above referenced account from my credit report within 30 days of receipt of this letter, will result in legal action taken against your company, as in litigation under the Fair Credit Reporting Act ( FCRA ) to collect {$1000.00} in damages for each inaccuracy as provided by law for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 USC 1681in ]
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I got a notification about my new credit score being decreased quite significantly. I have since attempted to dispute this account that has never belonged to me. When I looked into this a bit deeper I saw the the address attached to the account and the information used to get the credit card I realized this was Identity fraud ( by possibly one of my uncles in the XXXX ). 

I attempted to get this resolved directly many times but they requested a police report which I was not able to provide due the fact that I had no information on the uncle I suspected of doing this. I have requested original documents from EXPERIAN, XXXX, XXXX and for them to validate the debt based on the other Items I have disputed on my account. 

This is really affecting my life in a negative way as I have not been able to get a place or get a loan to get a car. I am Trying everything to get this out of my credit report and EXPERIAN, XXXX, XXXX has been making this process supper difficult. 

I have saved up enough to buy a house for me and my family, but my credit is affecting this majorly. 

I have attached the last person to review my file and has not reposed to me in the 30 days indicated by the CFPB. 

The difficult issue here is that I have tried everyday possible to get some sort of response from the credit burrows and all they do is update my account when I ask for a full validation and for them to provide the original documents. I am beyond frustrated and I am just looking for some direction. I can't wait 7 year for this to be removed when I was not the one responsible for this. 

I hope you are able to help CFPB. 

Thank you for your time reviewing my case.
Product: Credit card or prepaid card

I have been receiving fraudulent charges on my card and Citibank refuses to rectify the situation. I have filed a prior complaint and was told the problem had been resolved but I got another re-bill from Citibank on this months statement. 
My complaint number is XXXX. 
On this months statement there is a rebill charge of XXXX. 
Please help me fix this problem
Product: Prepaid card

I have a received a large sum from XXXX XXXX. I am uncomfortable with the money staying on the card due to the app and website for the card seems never work and takes numerous try to even check my balance. I have been trying for days to withdrew funds and it keep getting an error of insufficient funds even though I have more than enough cash on the card. I have tried calling numerous times but they made impossible to pass the automated system
Product: Mortgage

XXXX XXXX appears to be the trustee for RoundPoint Mortgage who illegally filed a Notice of Default with a declaration falsely stating that the company exercised " due diligence. '' In a further effort to engineer and fast-track an illegal foreclosure, XXXXXXXX XXXX did not send the notice " within 10 days '' as required under XXXX law XXXX A few weeks later, XXXX XXXX then sent me a solicitation in the mail attempting to profit or obtain money from me as a foreclosure relief and/or loan modification business entity. Simply stated, XXXX XXXX, as trustee, has a financial interest in its illegally filed Notice of Default.
Product: Checking or savings account

My wallet was stolen and now I have a bunch of charges on my account! I notified my bank and they gave me a claim number ( XXXX ) but my money is still missing. How could this happen?!
Product: Debt collection

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : CAPITAL ONE BANK USA N Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This past XX/XX/XXXX my Bank of America alerted me of a suspicious transaction. 
On XX/XX/XXXX went to bank appointment and discovered more than a yr of fraud as well as suspicious activity online banking such as password changes, ID lookups ect. Filed claims ( bank still investigating ) .On XX/XX/XXXX froze bank account and opended new one. Found out $ XXXX that they denied all my fruad claims. I then told them I discovered identity theft as well on credit report so they said if I send in proof they might reopen the case.Then I decided to check my credit reports on XX/XX/XXXX and saw many fraud claims, inquires, log ins, 4 different names, 2 unknown phn numbers, prev freeze lifted without my knowledge. I made disputes, added fraud, and frooze accounts. Tried to log on XXXX and it wouldnt let me log in. Im a victim of identity theft, as well as bank fraud for a while now without me knowing due not frequently checking credit reports or bank transactions. I need help navigating all the info and help I can get to recover my money and identity and find out whos behind this. I have XXXX  kids to feed and need funds back soon! Please help me in any way you can, Im lost and overwhelmed. Tommorow I will be going to police to file a report. Thank you for any help or information you can provide.