23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I discovered hard inquiries on my Equifax, XXXX, and XXXX credit reports. The following institutions had requested my credit information from the following credit bureaus : XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX Bank XXXX : XXXX Bank ( twice ), XXXX XXXX XXXX XXXX I do not recognize these institutions, nor have I applied for any product with them, especially one that would require my credit information. 

I called XXXX XXXX XXXX XXXX. They claimed they had no record of my information or a request for a financial product in their system. I asked them to then correct the hard inquiry. I was told they can not fix the hard inquiry because there is no record of an application containing my social security number. 

I called XXXX XXXX XXXX, but the number listed with the hard inquiry on my credit report was not a valid number. 

I called XXXX Bank, but they, ike XXXX XXXX XXXX XXXX, claimed they had no record of my information or a request for a financial product with my social security number attached to it, in their system. 

XXXX does not provide an option to file an online dispute against hard inquiries. I called XXXX 's phone line but could not get a live a representative. I called their corporate office for help, but was repeatedly transferred to the same line that did not provide a live person to talk to. After numerous calls to get help, I reached a man named XXXX who said that XXXX had no responsibility to remove the hard inquiry or do an investigation around it, and suggested I go directly to the creditor, by mail, and have it removed. However, he could not give me any instructions on how or where to contact the creditors to get the hard inquiries removed. 

XXXX does not provide an option to file an online dispute against hard inquiries. I completed an online chat with XXXX, and the representatitive insisted that I have to go to the creditor whom placed the hard inquiry to get it removed. I explained what had transpired when I contacted the institutions to have them remove the inquiry, but XXXX insisted that it was not XXXX 's responsibility to remove it or even verify that the request for my credit information was a valid request. 

I was able to file an online dispute with Equifax regarding XXXX XXXX XXXX. I have yet to hear back from them.
Product: Credit card

Opened XXXX XXXX Online card relatively 6 months ago to help improve credit rating. Was immediately approved with a {$600.00} credit limit. Always spent under {$250.00} and all payments made on time. Today without warning my credit line was reduced to {$230.00} with {$8.00} available to spend which increased my utilization percentage and card almost maxed out. I called XXXX Bank/Amazon to get an explanation and was told a letter would be mailed to my address and that it was a business decision after review of my account and credit report. My credit score dropped XXXX points today of which they are a part of that point lose. They have hurt my credit as opposed to helping it without warning or great explanation. I closed the account and was informed I still need to make on time payments and the card could not reopened once closed. This bank is doing more harm than good to helping consumers the reason I had opened the account. They have dropped my score instead of raised it. This matter needs to be addressed.
Product: Mortgage

Hello I tried to login to 53rd Bank online mortgage account this morning ( XX/XX/year> ) using my username and password. Got the message that my account is locked and need to contact Customer service. Called the customer service and told me that they was a data breach on my account and they asked security questions related to First name and Last name Cell phone number on the account and OTP verification. 
social security, home address, Mortgage monthly payment, Interest rate and Loan origination date to reset my username and password. They sent OTP to my cell # and i verified it as well. Then, I answered all the security questions asked, except for the loan origination date, which is available only online, as i don't receive paper statements from the due to paperless settings. 

Situation is, inspite of so many information provided and spending close to 50 mins, still don't have access to my online mortgage account and its in disabled state. Not able to see my past history statements, Escrows paid so far, Tax Statement etc and was told that i need to call them again tomorrow ( XX/XX/year> ). Not sure what how this will help when there are issues on their side. 

They told me that since i don't know the Loan origination date that i failed their extensive questionnaire (! ), i need to call them again tomorrow to reinstate the online access. I told that i will get the loan origination information but was told that they can not do it more than one time on the same day! 

This is a total harassment on their side, as my personal data seems to be compromised at their end and now i need to struggle with them the whole day to reinstate my online access. Also i asked them, how i can pay my online monthly mortgage since website access is disabled and i dont get paper statement. Bank said that they will reinstate my paper statement after a month, and if i dont pay the current month, it will be reported to credit bureau thereby impacting the credit score as a threat! 
iNeed help on resolution.
Product: Credit reporting or other personal consumer reports

I have filed many disputes with Transunion to remove these accounts off my credit report they prolong to my father who had the same name as me. 
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 I have dispute these accounts over and over with TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Vanilla gift card was purchased XXXX balance was used unauthorized XXXX card was given as gift XXXX.
Product: Credit reporting

8 to 10 collection accounts with inaccurate reported data. All medical accounts were there without my knowledge, assumed paid by insurance and or paid by me in full. Additionally, collection accounts for XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX are all accounts that were paid in full and no longer require payment due to fulfillment of the loans, lease agreements, and/or account balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information with Experian, XXXX and XXXX over the past few months. I have been told they would not investigate and also that they have verified the information was accurate. 

I am disputing the following inaccurate information : XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX. XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor
Product: Mortgage

I have tried for over 4 months to get a loan modification due to me losing my job. The co borrower is in Bankruptcy and having a difficult time as well. After I pay my mortgage, I don't have food to eat. I have since taken a job, two counties from where I live. Gas prices has increased. I have submitted everything the modification department requested and was told they had everything. Cardinal Financial has yet to communicate with a response. I'm only behind XX/XX/2021 Account Number XXXX
Product: Debt or credit management

On XXXX XXXX XXXX, I was notified by XXXX XXXXXXXX and XXXX of a " major derogatory account '' reported by Creedence Resource Management, XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX. They claim I owe XXXX XXXX XXXX {$71.00}. This " major derogatory account '' lowered my XXXX score from XXXX to XXXX. When I contacted XXXX XXXX XXXX on XX/XX/year>, they informed me no money was owed, and made a notation in my file regarding Creedance 's attempt to collect money not owed. I filed a complaint with FTC ( complaint # XXXX ) on XX/XX/year>. On XX/XX/year>, a letter was sent to Creedance demanding proof of this debt. On XX/XX/XXXX, Creedance sent a letter and a " fraud packet '' requesting personal information. I am refusing to give Creedance any personal information. They buy information from the dark web after a breach and use that information to attempt fraudulent collections. 

I hereby declare the above statements are true and correct to the best of my abilities, under penalty of perjury.
Product: Debt collection

On XX/XX/XXXX I saw a 'collections ' on my credit report at XXXX XXXX for XXXX dollars from XXXX XXXX  XXXX XXXX XXXX This was unrecognized charge. I filed a dispute with XXXX. XXXX stated that the results of the dispute showed it was legitimate. 
XX/XX/XXXX I contacted ProCollect debt collections. They confirmed this charge under my social security number, yet could not provide a name associated with the account. They also FAILED to provide me a debt verification letter. The {$130.00} debt was assigned XX/XX/XXXX and I have NEVER received a debt verification letter. Furthermore, XXXX XXXX XXXX, the employee I talked to at ProCollect, stated that the debt had already been paid but could not provide any details as to how or who paid it. This was not me. I am VERY concerned about identity theft and immediately requested on Procollect 's website a debt verification, as instructed by XXXX XXXX. It has been a week and they have not gotten back to me. I am filing this complaint because of ProCollect 's FAILURE to provide an initial verification letter when the debt first posted, so that I could dispute its validity, and filing this complaint because now they still are FAILING to provide debt verification when I am ready to report identity theft to the authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and reported as such. And now I'm notifying the 3 major credit reporting agencies to either provide me with the Method of Verification in it's physical documentation as these accounts are being investigated, or block and remove the following accounts immediately. 

1. XXXX XXXX XXXX {$300.00} 2. XXXX XXXX {$380.00} 3. XXXX XXXX {$300.00} 4. XXXX XXXX {$700.00} 5. XXXX XXXX 6. XXXX  XXXX XXXX 7. XXXX XXXX 8. XXXX  XXXX  9. XXXX  XXXX
Product: Mortgage

I applied for an assumption loan fron US bank to have my ex husband removed due to our divorce becoming final and a court order which stated for me to receive the house. After receiving this judgement I spoke to a representative that stated before I could move forward I would have to pay the intial first time buyer loan off totaling {$11000.00} that was attached to the mortgage, before I could assume the loan for the house and have my ex-husband name removed from the mortgage. After I paid the remaining balance of the first time buyer loan I spoke to a representative in the assumption departement to assure my interest rate would remain the same and would not be increased. I then completed the application in XX/XX/XXXX along with all requirements However upon receiving all my information my application was denied and I was informed that I would need a co borrower to move forward due to me not having enough debt to income. The loan officer returned all payments I initially sent in and informed me that I would have to complete a new application with my co borrower which is my son who is employed and raised my debt to income to the 45 % that they requested. In order for me to compete the application again I sent another 2 checks totaling {$990.00} to begin the loan process and complete all credit reporting needs. They requested all paperwork revolving around our credit and income. However they need to verify my son 's job and paystubs from XXXX and XXXX. I received a call on XX/XX/XXXX and stated they tried to contact me via email but did not receive an answer I informed the XXXX an email was never received by me and the phone call we were currently on was the only communication I have had from them. They then stated they sent a email to my son on XX/XX/XXXX and has closed my loan case due to my son not having enough credit and I now have too much revolving credit. However this information is incorrect. My son has a background of having credit cards that he does pay on time.And the only revolving credit that I currently have is one car payment which is totally {$11000.00}. They also stated that they would not return the 2 payments and they were non refundable, which was the {$900.00} for completing the loan process and {$97.00} for both myself and my son 's credit report to be pulled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted credit card statements, showing monthly payments to XXXX XXXX ( account opened in XXXX  ), and the credit bureaus have not removed several late payments from the account. XXXX, XXXX, and Transunion have all sent me messages, stating that my dispute with XXXX XXXX has been remedied. Yet, the inaccurate information still shows on all three of my credit reports. I have disputed this issue at least six times with the three credit bureaus. They continuously contact XXXX XXXX for input ; however, they never look at my evidence, which shows that I did not make over XXXX XXXX, XXXX, or XXXX late payments. XXXX XXXX 's erroneous reporting is affecting my credit score. Statements will be provided upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax for account verification and what i got back was a piece of paper with the amount of the debt and some dates not my personal information or a contract stating that that debt was mine. 
XXXX XXXX XXXX is reporting on my report but somehow XXXX XXXX is who supposedly verified my information with was not verified Equifax its reporting unverified information on my credit report and they are not conducting a proper investigation. 

XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

I have written alot of letters to all parties XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for the amount of {$810.00} ; My personal information has been transfered all over the place without any of my consent. I have also been asking for XXXX XXXX Arbitration Statement and has yet been provided to me ; My information has been going from XXXX XXXX XXXX for which i sent a letter of dispute ; then to XXXX XXXX, XXXX for which i sent a letter of dispute ; now it is in the hands of Rubin & Rothman , LLC and now they filed in court. No One has been giving me the information I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Checking or savings account

This is partially a follow-up to complaint # XXXX, to which the responding party has yet to provide an answer. After filing my dispute with Alliant Credit Union on XX/XX/2020, and NOT being issued a provisional credit, I filed a complaint with the CFPB for the lack of a provisional credit, which had never been denied me before. ( The Complaint also goes into deeper claims of a newly-instituted policy of $ XXXX/per item, which cost me {$360.00}. ) After filing my CFPB complaint on XX/XX/2020, I did receive a credit of {$130.00}, not the full {$160.00} being disputed. Today I have received a letter from Alliant Credit Union which states that I had been issued a provisional credit on XX/XX/2020, for the complete amount of my claim, {$160.00}. This letter is a fraud. I have attached both a copy of the letter alongside a detailed report of my checking account, which shows the fraud. I would like never to do business with the fraudulent company again, but I would first like back ALL of the stolen money.
Product: Credit card or prepaid card

My name is XXXX XXXX. My wife XXXX XXXX XXXX and spent XXXX XXXX  in the XXXX, and has been in and out of XXXX and XXXX XXXX XXXX XXXX As if that wasn't enough, we had a house XXXX this year and have been displaced from my home and moved. 

In XXXX, Capital One bank acquired my existing BJs mastercard credit card account from XXXXXXXX XXXX which had a {$0.00} balance, right around the time that my BJs annual fee was charged. 

Capital One turned off my autopay when they bought the account. They changed my card number. And they started charging me late fees and interest because the {$55.00} annual fee that was immediately charged was not paid. 

They turned off my autopay and changed my card number. I have been busy dealing with the XXXX and my wife 's care. I did not realize this was a problem until I got a credit monitoring alert this week showing a delinquent account with capital one, a bank I did not use. I suspected fraud and investigated. I found that nobody stole my identity but that the bank itself has perpetrated a fraud on me. 

I recently got ahold of some of the missing mail and found the new cards they sent, called capital one, and asked them to waive off the late fees that they caused by turning off my autopay and migrating the account. 

The first representative I spoke to was very understanding but was only able to waive some of the fees. I asked for all the fees to be waived, because Capital One caused this entire situation by acquiring my account, turning off autopay, and billing me so many late fees and interest on one {$55.00} annual fee charge. Today, XX/XX/23, was the first date I found out I had a capital one card or that it had over {$100.00} of junk fees added to it that they will not remove. I spoke by phone to a supervisor who confirmed they could or would not waive the fees. I am speechless. 

These fees are illegitimate. Capital One created them out of thin air. I had autopay. I had an existing account that was always paid on time and had been paid in full. I did not use the card. I did not activate the card. I did not receive the card until now. I did not even agree to be a capital one customer. I never applied with Capital One. It is an absurd situation. They caused it to happen. The least they can do is waive all the junk fees they're charging and fix my credit report. 

I don't know what to say here. I set up online banking and authorized a transfer for the {$55.00} I guess I owe tonight, but as far as I'm concerned that's what I owe. I did not agree to, authorize, or have any knowledge of any of the rest of this. My mail is delayed due to the XXXX. I don't know what they expect from me but this is just absurd. 

Please help. 

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

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Exeter Finance Corp violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).
Product: Debt collection

XXXX XXXX XXXX is reporting an account as paying in collection. I was told by the company they would not report to the credit bureaus if I paid as agreed. However, they have not honored that agreement and is reporting I am late on payments. I havent missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated numerous times, but how is that possible when if the open dates are inaccurate, the dates last active are inaccurate and the date last reported is also inaccurate across all 3 reporting credit agencies. This Is Grounds For Removal In accordance with the Fair Credit Reporting Act, XXXX, Experian, & XXXX Has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

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 These Addresses do not belong on my report : 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 These employers do not belong on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccurate Date of Birth do not belong on my Report : XXXX XX/XX/XXXX And I will attach photos from my credit report circling ALL ACCOUNTS AND INACCURACIES AND VIOLATION that are being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the accounts listed below have violated my rights. Under XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. Under XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. Based on the above laws i am requesting the deletion of the following accounts that are showing in collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received notification from RSI Enterprises , Inc. ( XXXX ) XXXX www.rsico.com/consumer/ for a debt owed to XXXX XXXX XXXX XXXX for account number XXXX in my name : XXXX XXXX in the amount of {$130.00} from date of XXXX This debt is NOT my debt and I have no idea what this is for and why are they sending me this debt collection notice.
Product: Debt collection

Back in 2007, I got a payday loan, at XXXX, in XXXX, Indiana, I paided all the installments, except for one, so they reported me to an debt agency, so ever since I didn't pay the loan last installment, I couldn't get a loan, so two years ago I paided the balance of my debt off, of {$85.00}, through my bank account, etc ... .... & Now still to this day I can't get a payday loan, because the debt agency, of XXXX, haven't fix the problem.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX