23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

EQUIFAX IS NOT REPORTING MY MORTGAGE INFORMATION, CALLED SPOKE WITH THEM AND SPOKE WITH XXXX HE SAID FINALLY GIVE IT 30-60 DAYS BUT HE COULD NOT ANSWER WHY IT IS NOT ON THERE NOW. I HAVE HAD THIS MORTGAGE FOR AROUND 15 YEARS AND NO EXPLAINATION WHY IT IS NOT THERE NOW. I CALLED MY MORTGAGE COMPANY AND THEY TOLD ME THEY SENT REPORT XX/XX/2017, SO I CANT GET A STRAIGHT ANSWER WHY EQUIFAX HAS NOT REPORTED ANYTHING, THIS IS HURTING ME GETTING RE-FINANCE OF MORTGAGE AND CAR LOAN. I FEEL LIKE THEY COULD GIVE ME REASON WHY BUT HE COULD N'T. XXXX HAS IT, XXXX HAS IT BUT WHY THEY DONT I DONT KNOW. I WANT IT FIXED NOW! 
THANKS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, INDIANA XXXX ATTACHED IS FROM XXXX AND THE OTHER PAGE IS FROM HOME LOAN APPLICANT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir or madam, I recently did an investigation of my credit report and found 1 incorrect item on my credit report. 

The account XXXX XXXX last reported on XX/XX/XXXX does not belong to me. This account was opened fraudulently and was not authorized by me. I have not done any business with XXXX XXXX XXXX 

I have contacted XXXX XXXX on multiple occasions to report the fraud and have asked for them to stop contacting me regarding this account as it does not belong to me. The harassing calls all day/night never stopped and now this account is appearing on my credit report. 

I contacted them on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

I have never done business with XXXX XXXX AND DID NOT OPEN UP THIS ACCOUNT WITH THEM. I would very much like to ensure my credit report is accurate .Please update me with a full report on your findings. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Product: Credit card

Some one opened up a account with Capital One in my name. I have been getting bills in the mail. I have seen the bills but there are no charges except for yearly charges and past due charges. I never applied for this card and I do not want to get stuck with these charges I am afraid that who ever opened this account up will run up a billView your statement online. 


Visit Capital One Sign in to your account Check out your XXXX 2015 statementView your statement online About your account ending in XXXX XXXX XXXX, The XXXX 2015 statement for your Capital One ( R ) credit card is ready -- just sign in to view your statement online. 


Statement balance : $ XXXXMinimum payment : $ XXXXPayment due date : XX/XX/2015by XXXX ET You can view your transaction details online, manage your account, or make a payment. 

Thanks for choosing Capital One. 


View transactionsMake a payment There is a basic version of this statement notification email available. If you want to switch notification versions, sign in to your account and select Security Alerts. 

Did you know? We need up-to-date income information to consider you for future credit line increases. Update your income now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS XXXX : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the inquiries that appear on my credit report. Specifically, I am disputing the following inquiries : XXXX XX/XX/XXXX Inquiries XXXX XXXXXXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXXXXXX XXXX XXXX XX/XX/XXXX Inquiries XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXXXXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX, XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXXXXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries I do not recall authorizing any of these inquiries and I have not applied for credit with any of these companies during the time period these inquiries were made. These inquiries are having a negative impact on my credit score and are affecting my ability to obtain credit. I am requesting that these inquiries be removed from my credit report. 

I have enclosed a copy of my credit report highlighting the disputed inquiries for your review. Please investigate this matter and remove the disputed inquiries from my credit report as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I had an account with Citicard Best Buy. I currently owe them around {$2200.00}. I was in a debt consolidation program for the last year where I made payments to them every month vis XXXX XXXX XXXX XXXX I recently terminated my membership tot he program in XXXX 2021 because I had paid all of my creditors off except Citibank Best Buy. I called Best Buy credit services several times in XXXX in an attempt to pay them. I first attempted to call and could not get through to anyone because they closed my account and I could not be located in the system. When I finally reached someone, we worked out a settlement over the phone for about {$850.00}. This was on or about XX/XX/2021. However, the agent 's phone disconnected and I had to call back. When I called back, I got another agent who told me that I could not settle my account because they still had me under the debt consolidation program which prevented them from speaking to me. They told me to call XXXX to have them issue a letter to them stating that I was no longer in the program. So I did that the same day and called back Friday XX/XX/2021 because I was told it could take 3-5 days to show up. At that time I was told that I had to call back again because they had to route me to a different department but I could definitely settle my account. I waited on hold for what seemed like forever then I was disconnected again. I did not have time to call back on Friday because I was at work. I called them back on Monday, XX/XX/2021 to try to settle my account again and they stated that they will not be able to take a payment from me because just today, my account was sent to a collection agency. I'm like how is that when I have been trying to pay this for 2 weeks and you would not except a payment from me? This is unfair. They said there was nothing I could do. I continued to protest, then the agent said that maybe I can get the account recalled back from the collection agency by sending a fax to them at XXXX. I sent the fax right way. He told me that it could take 30-90 days for the account to be recalled back to Citicards Best Buy! My concern is that by that time, they will have marked my credit with a collection. I do not want this to happen as I have worked very hard to repair my credit over the last 2 years. I want them to recall that account and allow me to settle this account immediately and I do not want any marks on my credit from their collection agency or Citicard Best Buy. I think it is unfair they hold people 's lives in their hands and are just as nonchalant with it as can be. I have called them the entire month of XXXX trying to resolve this and each time I called, each agent told me different things. I also want to add that the agents do not speak English. I can hardly understand what they are saying and they may not understand me. I think it is rude to place non-English speaking people on the phone with people who do not speak English well when they are talking about their finances.
Product: Money transfer, virtual currency, or money service

My account with coinbase was compromised so I locked it on XX/XX/2020. Ive made multiple tickets for help through customer service with no response. I have a lot of money sitting in this account but no way of getting into my account and have had an account for multiple years. Coinbase has not even tried to contact me to start getting things resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure who furnished incorrect information to these companies I see on my consumer report!! I never willingly entered into a consumer credit transaction with any of these companies!! I Know this is A direct VIOLATION OF MY CONSUMER RIGHTS. These companies are using false, deceptive practices as well as illegal collection activities pursuant to FCRA.

This is in FACT AGGRAVATED IDENTITY THEFT PURSUANT TO 18 USC 1028A. ANY AND ALL INFORMATION FURNISHED TO THE CREDIT REPORTING AGENCIES RESULTING FROM IDENTITY THEFT MUST BE BLOCKED & DELETED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681 C-2.

IDENTITY THEFT REPORT WAS FILED AND ATTACHED AS WELL!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my consumer report, I see that Wakefield Associates is reporting a medical bill which is a violation of my consumer rights. ( 15 USC CODE 6803 ) and HIPPA violation!! 
Medical debt on a consumer report is illegal, and due to this it is causing me stress when getting denied for credit I apply for. 
I demand these accounts be deleted, and a mailed check for {$1000.00} be mailed to a address I can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

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

XXXX XXXX XXXX XX/XX/scrub>XXXX This CFPB complaint has been filed to request pursuant to FCRA section 605B ( 15 U.S.C section 1681c-2 ) that you, Transunion, XXXX, and XXXX XXXX XXXX agency, XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccuracies and false information consists of a personal card opened where XXXX XXXX sold an account to Services Credit, and loans were placed in my report from XXXX XXXX, XXXX XXXX, and XXXX XXXX accounts have resulted in several fraudulent and inquiries and collections appearing on my consumer FICO credit report. The mentioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. I have attached a copy of the FTC identity Theft Criminal Complaint Ref # XXXX as proof from the XXXX federal trade Commission that all of the mentioned consumer accounts, collections, and hard inquiries re the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account reporting on my account that doesnt belong to me I have repeatedly disputed this with the bureaus and all bureaus have removed account except XXXX is stating account came back as verified but Im not sure how this is possible because I have requested proof of validation with my signature and have yet to be provided the information that they are reporting as correct
Product: Credit card

Ensuring punctuality, I've consistently managed payments on this account, never allowing them to lapse. I'm uncertain as to why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, it's essential to rectify any discrepancies.
Product: Checking or savings account

Hi, I have had Citibank 's savings account for years and at the time of opening the account was very clear that I am on limited income and only need saving account that does not have monthly service fees. I haven't been getting charged as expected. However, when my son checked my account recently he noticed that I was getting $ 25 monthly charge for past 3 months although nothing has changed. 

When I tried calling to get this resolved, I kept getting put on hold and transferred to number of people without any solution. I also tried logging into the site and using their Chat feature and " XXXX '' who was the rep couldn't tell me why my account package changed and by whom but it now requires $ XXXX balance to avoid fees. I have never had $ XXXX in my account nor do I expect to have it. 

He did mentioned that he could " downgrade '' the package to avoid fees and refund one month 's charge. When I asked him why it was " upgraded '' to being with and by whom he couldn't answer. I need my full refund and need to make sure they can't change the package on their side and start charging fees and I have to spend hours correcting their problems. 

I am concerned about their process and why they can change the " package '' to conveniently charge fees without my approval!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX the following addresses are not mine please delete them they are not accurate. 

XXXX XXXX  XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the unauthorized inquiries listed below from my credit file. I am a victim of a data breach, and these inquiries were made without my authorization. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC XXXX ( a ) and FCRA XXXX ( b ), I am entitled to have these unauthorized entries blocked and removed. 
The inquiries in question are as follows : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 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 XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX CARD - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Collection Account Reporting Different Dates of Last Activity Dear Sir/Madam, I am writing to dispute the accuracy of a collection account on my credit report that is being reported with conflicting dates of last activity. The collection account in question is with XXXX and is currently listed with XXXX major credit bureaus Experian, XXXX, and XXXX. 

The inaccurate dates of last activity being reported are as follows : - XXXX - XXXX - XXXX : XX/XX/2023 These conflicting dates are causing discrepancies on my credit report and are negatively impacting my credit score. I have attached copies of my credit reports from all three credit bureaus highlighting the discrepancies for your reference. 

I am requesting a thorough investigation into this matter to determine the correct date of last activity for the XXXX collection account Account number XXXX. If it is found that the dates being reported are indeed inaccurate, I kindly request that the information be corrected or deleted from my credit reports. 

I understand that under the Fair Credit Reporting Act, credit bureaus are required to investigate disputes within 30 days of receiving a request. I would appreciate it if you could expedite this investigation process and provide me with an update on the resolution as soon as possible. 

Thank you for your attention to this matter. Please feel free to contact me at [ Your Phone Number ] or [ XXXX ] if you require any further information or documentation. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. 

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name : XXXX  Account Number : XXXX Account Name : ( Original Creditor : ) Account Number : XXXX Account Name : ( Original Creditor : ) Account Number : XXXX Account Name : XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. 

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, XXXX XXXX
Product: Mortgage

I was working on a shortsale with Bank of America on my home that I could no longer pay. I hired a licensed real estate agent and they got me a shortsale approval then Bank of America could n't find the XXXX mortgage and when we finally figured out a resolution bank of america foreclosed on my home even though it was in active review. We had confirmed with the negotiator that the sale date was on hold a day previous to them foreclosing on me. I did everything the bank requested. I turned in paperwork and have been completely cooperative and now I feel like I was done an injustice.
Product: Debt collection

i sent a debt validation letter to united collection bureau on XX/XX/2016 via certified mail, it was signed for and received by them. i have never received any further mail or validation on my debt from this company regarding a XXXX XXXX bill in the amount of XXXX
Product: Mortgage

My loan was approved with XXXX XXXX for loan modification in XX/XX/XXXX. 1st Trial plan payment was paid XX/XX/XXXX and XX/XX/XXXX. In midst of loan modification approval, my loan was serviced transferred to Midland Mortgage. I created an account online for Midland mortgage and saw that the loan modification was denied, but it stated that I had until XX/XX/XXXX to turn in the sign trial plan without having to reapply for LM. So I emailed the signed trial plan to Midland mortgage on XX/XX/XXXX to the email address the representative over the phone gave me, but as of XX/XX/XXXX the loan has not been reopened so I can complete my final trial plan approval. I would like for Midland mortgage to reopen my LM application so I can pay the final trial plan and complete my modification approval, but  they are not cooperating. They are requesting that I reapply for LM.
Product: Checking or savings account

On XX/XX/XXXX I called PNC Benefits to order copies of 401K statements that were not available online due to the dates. My 401K still resides with PNC although I no longer work there. I needed statements from XXXX through XXXX for a property settlement scheduled in court for XX/XX/XXXX. She indicated this was plenty of time for me to receive the documents and assured me I would have them. It is now XX/XX/XXXX and I still have not received these documents. I missed my court date and the assigned mediator may no longer be a partner on our case. This is not the first time the benefits department has failed to produce requested documents on this same property settlement. I was assured after complaining of not receiving these documents and how it impacted my case that this would be escalated to management and there was no reason I should not have received these by now. I spoke again with someone there last week and she assured me a supervisor would contact me THAT DAY. Nothing..I am now in jeopardy of not having the documents after rescheduling the hearing for XX/XX/XXXX as I will need them prior to that date to review with my attorney prior to the hearing. I am currently in communications with my attorney and XXXX also file a legal suit against PNC. This has added additional stress in addition to the legal situation at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is notify CFPB of EXPERIAN 'S violation of FCRA. Last XX/XX/2018, I sent a letter to this company to dispute accounts from XXXX and XXXX XXXX. I disputed account XXXX with this company and I even requested a debt validation from XXXX which have not sent me proper debt validation documents. XXXX even reported to the bureaus that they are reporting correct and accurate information even though they did not provide me what I am entitled to receive. 
Also included on my account are accounts from XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I sent them a check as payment for these accounts and clearly, " CONDITIONS ARE WRITTEN AT THE BACK ''. It clearly states that 'THEY CAN ONLY CASH THE CHECK IF THEY AGREE TO DELETE ALL THE ACCOUNTS THEY REPORTED TO THE BUREAUS ''. XXXX XXXX CASHED THE CHECK, which means THEY AGREED WITH THE CONDITIONS. They are in violation of the VIOLATION OF CALIFORNIA CIVIL CODE and BREACH OF CONTRACT/AGREEMENT. This is my last resort before I take a step further and get a legal counsel involve.