23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/year> we applied for a home equity line of credit with Citizens Bank. Application number XXXX. We were approved for the line. I had a credit freeze on my credit and needed to remove it to apply. I did that. My wife did not have a credit freeze. She did have a fraud alert from a year ago ( about to expire ). We did not recall this. They called my wife XXXX and asked her a bunch of questions she could not answer like " who is your mortgage with and what is the payment. '' Who is your car payment with and what is the payment? '' My wife could not answer these because she does not pay the bills. They declined our loan due to " fraud concerns. '' We offered to go in-person to a Citizens branch and provide ID. They stated it had to be a phone call which is ridiculous. My wife felt XXXX. There are XXXX hard inquiries on our credit. I spoke to a supervisor XXXX XXXX whose only solution was to call XXXX and remove the fraud alert, which my wife did. When I emailed him to let him know she had removed the fraud alert he told us we needed to reapply with XXXX more hard inquiries on our credit to get the line of credit. We refused. We are approaching XXXX XXXX XXXX and my wife struggles with financial matters. She does have good credit, good income and we have equity. In my view they discriminated against her and this practice must stop!
Product: Debt collection

I have contacted Portfolio Recovery Associates on several occasions requesting that this debt either be validated or removed from all XXXX of my credit reports. Portfolio Recovery Associates has failed to provide me with adequate validation. They have yet to provide me with that they have been assigned to this debt by the original creditor or any original documentation from the original creditor.
Product: Checking or savings account

This is in reference to Account XXXX. XXXX at Fifth Third Bank. Day before yesterday, it was brought to our attention that our account balance of {$41000.00} has been wiped clean, account closed and turned in to collections some months back. Please note that no transaction was authorized by us from the account, neither did we know about this situation or we would've bought this to your attention earlier. We have been preferred banking customers at fifth third and have maintained high balances for a very long time. For something like this to happen is not just mind boggling but also extremely stressful. As I report this, I can not describe the amount of worry and mental agony this misfortune has brought to us. we called in to customer service trying to get into online banking as we have been unable to access the account online for quite some time. At the call, we were transferred to collections and then back and forth between fifth third customer service reps and collections with no explanation as to how something like this can happen. We also reached out to our branch manager at XXXX XXXX, MI via email to find out what happened, hoping to get some help and doing so again. How can transactions occur from the account without our authorization and how can an account be closed so quickly without our knowledge? 

At the moment, we have been informed by fifth third bank that company named XXXX XXXX XXXX had pulled money from my account using ACH. These transactions were not authorised by us nor did we have any information about these transactions until yesterday when we got to know about these transactions. 
YEAR XXXX : - XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX over draft fees YEAR XXXX : - XX/XX/XXXX. XXXX over draft fees XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX overdraft fees XX/XX/XXXX. XXXX overdraft fee XX/XX/XXXX. XXXX overdraft fee We really need someone to look into this matter and help us out. Truly believing that humanity still prevails and hoping we can get some answers as well our funds. 


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

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX, California XXXX, But bureau reported that I have many addresses like XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2015 XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA, The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

Navient is an awful, deceiving, rip-off, worst customer service company. 
they have me paying 12 % interest and will not refinance.
In addition, I have submitted 4 applications to remove co-signer and refuse to process application, being returned to me saying something or other is missing. Their customer service is incompetent and not able to resolve my request
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit inquiry on XX/XX/2021, XX/XX/2021, from EXETER FINANCE CORP . I absolutely have no idea who this company is and why they are on my credit report. I have attempted to contacted them via mail on XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX as of today I have not received any response from this company as to who they are and why they thought it was acceptable to attempt to pull my credit or pull my credit. I DO NOT KNOW THIS COMPANY AND I DID NOT GIVE AUTHORIZATION OR PERMISSION TO PULL MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in a previous dispute but got a response to send in more verification documents, so I'm submitting again and filing a complaint. I pulled a copy of my credit report and noticed several fraudulent accounts. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to comply with the  XXXX  ruling and block the  XXXX   XXXX  accounts that are fraud and I 've produced and given them all the information and reports required under the FACTA amendments of the fcra.
Product: Debt collection

This company US Bank is calling me constantly on my phone about a debt and credit card that I never had. I have checked my credit report ( in case someone fraudulently opened the account ) and the account is not there. I have repeatedly explained to the company that this is not my debt. They called on Sunday, XXXX XXXX, 2022. I talked to them and explained that they had the wrong person. They called again on Wednesday, XXXX XXXX, 2022. They said it was a platinum visa ending in XXXX. I have never had a credit card issued through this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Account Number : XXXX Reason : I was involved in identity theft. This account is not mine and is fraudulent please remove this account ASAP. 

Account Name XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : Auto Lease Account Number : XXXX Reason : This account is reporting inaccurate to my credit report. It reports to only XXXX and XXXX, not Transunion. According to the Fair Credit Reporting Act this account needs to be deleted due to the inaccuracy of not reporting to all three bureaus. 

Account Name XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Reason : This account is reporting inaccurately to my credit reports. It only reports to XXXX  and not Transunion and XXXX. According to the Fair Credit Reporting Act this account needs to be deleted due to the inaccuracy of not reporting to all three bureaus. 

Account Name XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurately to my credit reports. This account is reporting to XXXX  and Transunion that this account is open but is reporting to XXXX  that its closed. I ask If this account be deleted ASAP because these mistakes are affecting my credit score.
Product: Credit card or prepaid card

I recently reviewed my credit card report and it shows a fraudulent account from Upgrade. I did not apply for any loans with this company. I would like this account to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. I am a victim of identity theft, these remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX A All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX BANK XXXX Credit Card XXXX XXXX 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX CRE All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX Credit Card XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit card or prepaid card

We have an XXXX XXXX card issued by Chase Bank. We paid the statement balance on this card on XXXX. It was posted to my XXXX XXXX XXXX   account on XXXX. The balance available has still not been reflected by Chase. When I called Chase they informed me that all payments over 50 % of the credit limit will be held for up to 15 days even though they have posted the payment to the account. This doesn't make any sense. No other credit card we have does this. This appears to be a systematic mechanism to make card holders pay less on their accounts and for Chase to make money on interest. This needs to be investigated.
Product: Checking or savings account

XX/XX/2023 Chime decided to close my Account with no explanation.The account is in good standing but they are still reporting the account as open in good standing with XXXX.I put in 10 disputes with XXXX about the account closed & Chime refusing to send me the Documents they need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company a dispute letter dated XXXX XXXX, 2017. Here I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report. 

At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.
Product: Credit reporting

I paid off my credit card in XXXX of this year, at which time my balance online was {$0.00}. I then received a new card in the mail a few months later. When I activated the card, I was told I had an overdue balance. Apparently, when I paid the card off, the billing cycle had not closed and {$16.00} of interest hit the account. I was never notified that the balance was overdue. When I called to complain and resolve this issue, I was told all customers who are overdue receive courtesy calls. When I asked the agent to give me the date and time of said call, he said placed me on hold to look it up and found a call was never placed. I have had numerous agents tell me I have a " good case '' in getting the delinquencies removed, yet it was denied at least 3 times. The interest amount that caused me to be reported as delinquent to all XXXX credit bureaus has since been refunded to me, yet the bank will not correct my payment history to remove the one late payment this interest caused. I have been told I was notified by email, but I do not have said emails from XXXX XXXX XXXX. I told the agent it may be due to the recent XXXX government hack, as I just received a letter confirming that all of my information was stolen in early summer. Soon after trying to fight the discrepancy, I received a letter from XXXX XXXX XXXX that they had dropped my credit line from {$3500.00} to {$500.00}, further damaging my credit as now it looks like my credit usage is much worse due to the lower limit. The letter cited " recent delinquencies '' and " insufficient credit history '' as the reason they dropped the limit on my card. I have been a customer with them on this line of credit for almost 10 years and I have NEVER been late before. My credit limit has been {$3500.00} for almost 5-8 years now, based on much weaker credit and income that I held 5-8 years ago. I feel that they are trying to irritate me into closing my account because it has a very low grandfathered interest rate from when it was opened. My credit score has dropped significantly since all of this and I have lost countless hours on hold with XXXX XXXX XXXX trying to get the issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
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 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
Product: Credit reporting or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX  Account # XXXX with the balance of {$4800.00} ( XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian, XXXX and XXXX are reporting charge-offs on my credit report. This reporting is both inaccurate and inconsistent with IRS regulations regarding charge-offs and income reporting. The charge-offs are also in violation of the FCRA. I have reached out to Experian, XXXX XXXX XXXX to resolve the matter, but there has been no change to my consumer file. The following creditors need to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IRS Guidance on Charge-Offs as Income : According to the IRS, a charge-off is considered income to the consumer, as it reflects debt forgiveness. Income is not allowed to be reported on a credit report, as credit reports are designed to reflect credit and payment activity, not taxable income. The inclusion of this charge-off is a misrepresentation and is damaging to my credit profile. 


2. Failure to Issue a Form 1099-C : Furthermore, the creditor has failed to issue a Form 1099-C for the alleged charge-off, which is required by the IRS to reflect forgiven debt as taxable income. The absence of a Form 1099-C indicates that the charge-off is not legally considered forgiven debt, further invalidating its inclusion on my credit report. 

XXXX. Impact on My Creditworthiness : The inaccurate reporting of this charge-off has had a significant negative impact on my credit score, affecting my ability to obtain credit and financial opportunities. This reporting is misleading and does not reflect accurate information. 

I have mailed out multiple letters to get this issue resolved, but have not been successful.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I discovered that I have fallen victim to identity theft, as there are several credit inquiries that I do not recognize. Here are the inquiries I found : - 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 kindly request that thesefraudulent inquiries be removed from my credit report. I also attached my identity theft report as well. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am submitting a formal dispute under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting the immediate blocking and deletion of fraudulent accounts and inquiry on my credit report that have resulted from identity theft. These accounts, which I did not open, authorize, or initiate, include entries with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These fraudulent items have appeared due to unauthorized activity and do not reflect my credit history or consent. As required by law, I request that all fraudulent accounts, inquiries, and collections be blocked and deleted from my credit file within four business days of receiving this dispute. Enclosed are supporting documents, including a copy of my government-issued ID, proof of residence, an FTC Identity Theft Criminal Complaint ( Case XXXX ), and my credit report highlighting the fraudulent entries. I also request written confirmation of the actions taken to address these fraudulent items. I appreciate your prompt attention to this matter and expect a response in compliance with the Fair Credit Reporting Act. If additional information is needed, I am available by email or phone.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a refund of {$510.00} was supposedly issued to my XXXX  XXXX XXXX account. After contacting Paypal Services, they informed me that my money was transferred to my account. However no funds were received. I attempted to reach out to XXXX  XXXX XXXX, but they refused to respond. After filing a complaint with FTC, XXXX  XXXX XXXX reached out to me and informed me that no such transaction occurred. I am now filing this complaint against Paypal asking them to send proof that they sent money to my XXXX  XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to report false information on my credit report. this company claims to be allowed to collect on this alleged debt. This company can not provide the contract that I signed that states I owe this debt. Further more this company can not produce actual proof that they purchased this debt from anyone. I demand to see the proof, if not i want this deleted.