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

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX XXXX  XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX US BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple times disputed XXXX XXXX XXXX collection to be to be removed from my transunion and XXXX Credit Reports. At least for Trans Union I have disputed several times and they have failed to remove this information from my credit report as the company has failed to provide any information from the original creditor on this debt, in fact my complaint through the CFPB they stated they are " trying '' to contact the original creditor, in the last two years they have n't sent anything!! In fact I called the original creditor and they do n't have any records for me. Thefore if this balance, proof of fees added illegally after charge off or a balance billing statement this collection should be removed. The told on themselves by stating in there response back CFPB that they have be unable to verify the balance on the public details of the last two payments one in which was the month before the account was charged off. This is not info to fall under FCRA, they must provide more than what is on my credit report to verify its accuracy. XXXX does not report this but XXXX and Trans Union are both illegally reporting this trash
Product: Credit card or prepaid card

I asked Walmart to close my account. For some reason they are still sending me statements and adding late fees to my account. What should I do is that right rhat they are doing this according to agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a dispute online on XXXXand they completed ( I use the term loosely ) their investigation in less than 24 hours. Both the credit bureau and the furnishers did no investigation. They simply verified what they have as accurate. No investigation can be done on issues in such a short amount of time. XXXX also didn't provide an updated credid report. They simply stated they updated information.
Product: Debt collection

RentDebt Automated Collections , LLC This company has sent me a debt collection letter in which I paid and illegally continues to request another amount even though I have already paid the debt in full in which I requested them to show me evidence in which I even owe them and where they got their information from and they continue to send me letters and are still trying to collect. They sent me the receipt in which I have posted here so you can see that the debt says I owe 0.00. I will be filing a civil lawsuit in my local court house due to the fact that they continue to illegally mis represent the debt on my report in which is causing me mental anguish and harm to my life. I can not move forward or even rent a place because of this misguiding debt they are reporting on my social. Amount of {$810.00} was reported in which I paid for. If the debt is not removed within the next 5 Days I will file suit in the XXXX County Courthouse.
Product: Credit reporting or other personal consumer reports

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Product: Credit reporting or other personal consumer reports

I would like to bring to your attention that Equifax is not reporting my credit accurately ( as in when lenders try to pull my file they do not find one. ) I myself, when I go into their portal, I find that I can't see an updated version of my credit report and it states I have no accounts, however when I go to dispute a report - I see on the back end that I do indeed have accounts and they have done something to either my file ( either split it ) or their reporting system is not working correctly. 

I just called them and spent over an hour on the phone explaining the problem, they flat out refused to have anyone look into it unless I MAIL them my social security card, drivers license and various other pieces of personal information. As they have had a recent security breach I feel extremely uncomfortable mailing sensitive personal information to them and stated so and they continued to state they will not fix or investigate without this which I believe to be in violation of the FCRA. Additionally, with the time it would take to mail them information before they would even investigate is a delay in my rights as a consumer as standard mail to them would take an approximate week - and whatever internal processing time would be extensive My husband and I hope to buy a house and for mortgage, we need to be able to provide copies of all three major credit bureau reports and Equifax refusing to fix my report or unsplit my file basically negates any chance of us doing that as we would not be approved for a mortgage without this. I believe they are in violation of the FCRA and other federal laws for refusing to investigate their own software.
Product: Mortgage

My mortgage was transferred to Selene Finance on XX/XX/25. I had an auto draft scheduled with my previous servicer for XX/XX/25, which they mistakenly cancelled. I called Selene Finance daily and was finally able to make my XXXX payment over the phone on XX/XX/25. Since then, they have not processed the payment and are showing me 45 days late. I have called them daily and have been told each time that the payment would be applied the next day. They are deliberately not applying payment that is already with them.
Product: Credit card

Received a notification from the Credit Bureau ( XXXX ) on a request from Bank of America to open a travel rewards credit card on XX/XX/2023. I immediately put a freeze on the 3 credit reporting bureaus as it was fraudulent. I then notified Bank of America and followed their instructions to submit an application ( which they were mailing out ), complete and return. The application never arrived. I called back on XX/XX/XXXX and was told the application would be sent out " again '' and I should receive it withing the week. I did arrive. I sent back, called 2 days later and was told it was received and that I will receive the report within 30 days. 

I made a return call on XX/XX/2023, to inquire on the status of my case. I was told my request was denied because the picture on my driver 's license was too dark and that a letter was mailed on XX/XX/XXXX indicating such. I was told to resend and would need to wait an additional 30 days before report would be sent out. I resent the credentials ( driver 's license and passport ) on XX/XX/2023. Today is now XX/XX/2023. As per the agent, my latest credentials were not on file/not received. Bank of America is stalling. And I hope they're not they're not back to old tricks...
Product: Credit reporting or other personal consumer reports

Context - Notice of Data Breach was sent to my home address from XXXX XXXX XXXX XXXX, letter dated XX/XX/XXXX. 
Today XX/XX/XXXX, upon receiving this letter in the mail I established an account with transunion.com and requested my credit report. I did not recognize 8 of the 11 Account Review Inquiries ( hard credit pulls ), which were 1-3 occurrences across XXXX different companies, including TransUnion itself . I also requested reports from XXXX and XXXX, and neither had these hard pulls listed. The list of unrecognized, potentially fraudulent, credit requests : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX [ my name redacted ] via TRANSUNION XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX via XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX is local. I initiated a live chat on their website and was directed to call a phone number. After selecting an option I was immediately connected with a very helpful representative who took the details and assured me a correction would be submitted to the credit reporting agencies. 

I attempted to dispute at wallethub.com and found no resources or forms to report the fraudulent credit requests. At XXXX : XXXX the company directs me to " Dispute Inquiries You Dont Recognize With The Respective Credit Bureau ( s ) '' or " File An Identity Theft Complaint With The FTC ''. 

I also attempted to report the hard inquiries at TransUnion as fraudulent. Their site at https : //www.transunion.comXXXX directs me to contact the lender and report it to the FTC. 

XXXX XXXX directed me to contact through email or phone, XXXX XXXX XXXX. I submitted an email, which directed me to a different phone number. The rep used my SSN and DOB to search their system, but was unable to locate any record of any application. The representative recommended I follow up with credit agencies ; with no trail in their system there's nothing they can base any dispute on. 

After searching the XXXX XXXX website directly and with a search engine, I did not find any way to dispute fraudulent hard credit pulls. I started a chat, and the chat agent initiated a phone call with me. After a brief discussion I got transferred to an executive research team member who found a profile with birthday and SSN with a random email address that was never verified. The rep disabled the associated account at my request. To dispute the hard pull I have to provide the rep 's information as part of an official police report.
Product: Credit card or prepaid card

I have had a Lowe 's Credit Card since XXXX. My last purchase was in XXXX. I placed an order for a stove on XX/XX/XXXX. The order and payment method was approved. I only recently found out that the account was closed on the very next day, XX/XX/XXXX due to inactivity. The only response I have gotten is that I have to reapply for the card. However, the credit limit would be lower than what I previously had. 

The account being closed due to " inactivity '' doesn't make any sense if it was done so only after I placed an order. And now I am being told that there is no way to reopen the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this agency back i XX/XX/2018 regarding some items on my credit there were not mine. I'm trying to go through the first time home buyer program at my church however I dont even qualify. If there is a next step is should take please let me know. Please have these items removed from my credit. XXXX Acct # XXXX and XXXX XXXX.
Product: Debt collection

Have called place of employment in spite of being told in past no calls to place of employment. 
Called CELL phone, in spite of being informed cell phone is company cell phone. 

Multiple calls to home phone, and with call blocked, will turn around and call multiple back yo back times. 

Have NEVER first received and kind of notification of debt that are trying to collect via mail.
Product: Credit reporting or other personal consumer reports

I received my credit report from your company. Later looking at it, I found that the information you are stating on some items contains not only invalid and inadequate data, but both inaccurate and incorrect data as well.This data is hurtin me since it is affecting the interest rates that I am able to get and limits my credit capacity. I am distressed that you failed to keep up reasonable methods to assure the most extreme possible legitimate completeness, accurateness and correctness in the credit reports that you give to creditor Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent and as Consumer by law I am asking them to provide any evidence showing authorization transaction from myself to them as I will never allow my info to be shared without my permission and Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

As a consumer by law this account must be deleted immediately!
Product: Consumer Loan

SYNCB/FUNANCING said I was late XXXX payment XXXX 2014. I never received a notice saying that I was late. This was paid off XXXX XXXX. They can not go back and see what the issue was. So please check in to it and clear this from my record. 

Thank-You XXXX XXXX
Product: Checking or savings account

Bank is attempting to force me into an overdraft situation by charging me fees but not allowing me to deposit or withdraw to account. 

Bank is violating Truth in Savings Act by not allowing access to statements. 

Bank took over {$200.00} in fees and provided no services.
Product: Credit card

I had an answering service with XXXX XXXX XXXX which I canceled. They charged me extra after cancellation. I brought the issue to my credit card company, Citibank, attention. I provided all the facts of the matter and they still did not reverse the charge. The answering service company was not answering the forwarding calls which is the reason I pay for this service. My colleagues informed me about the lack of service as they could n't get in touch with us. I contacted the company on XXXX XXXX and canceled service stating that they have not been answering my business calls being forwarded to them as per our service agreement. We contacted them via email and phone call on the XXXX XXXX again to confirm the cancellation. 
When I signed up with this company 3 1/2 years ago, they charged my card one month in advance. Now, They charged my card for XXXX again, even though I have canceled my service. They are refusing refund despite the fact that I have canceled within guidelines. 
Also, XXXX in their billing department sent me an email claiming I owe them XXXX of dollars and threaten to send me to the collection. They sent me statements that showed the account has XXXX balance, but they said that they ca n't see what credit card has been charged. This shows the company relies on scare tactics and predatory practices to collect money from clients. They had my credit card on file since I started with their company. I explained to her it would have been impossible for my service to remain active without them receiving payments. She said they have been subject to internal fraud and implied I could be part of it. As outrageous as that sounded, as a courtesy, I provided her proof of charges on my credit card for every single month of service since 2015. With all this, it is difficult to tell if this is a legitimate company or fraudulent. I suspect individuals or the company are committing fraud by trying to scare the customers into paying for charges that are not real. Their actions and their own claims of internal fraud are definitely red flags in that direction.
Product: Checking or savings account

I feel I was wrongfully charged fees in my checking and savings account that I had with Wells Fargo Bank.
Product: Credit reporting or other personal consumer reports

hello back on XX/XX/23 a letter was sent to Experian disputing some information reporting to my credit that is not accurate. I was advised that a payment was late for this creditor and have not been advised the outcome of my dispute
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against XXXX XXXX, Portfolio Recovery, XXXX XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each LettXXXX was initially sent to all companies on XX/XX/year>
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Product: Bank account or service

I received a call last night from XXXX XXXX, XXXX XXXX XXXX XXXX ext. XXXX a Bank of America representative. She stated that she was here to help me and that she works closely with the risk department. She also stated that she received my complaint from CFPB and wanted to address my concerns. So I asked XXXX questions, 1. Why are you guys holding my check until XXXX XXXX when it was drawn on a Bank of America account? 2. Why is my account being closed. The rep could not answer either question. She kept stating to allow her 15 days to review my account and she will get back to me as she had not researched my account as of now. I stated well what was the purpose of you contacting me if you did n't know what was going on. I advised that she should have researched and then reached out to me. She then stated that she knew why my account was being closed and kept stating well you signed the signatures cards and because of that Bank of America does not have to disclose this information to you. I asked if they were going to cover my late fee that I occurred because of this and she kept saying give her 15 days to review my account. I advised that I do not have 15 days to wait and had I known this, I would have simply cashed the check and paid the fee that they charge for not being an account holder and I would not be going through this nightmare. These people at the risk closure department XXXX XXXX XXXX XXXX Option XXXX feel as though they can do whatever they want to the consumers and nothing will happen to them and that they do not have to tell the consumer anything and they do not have to give the consumers their fund within the time frame disclosed in the disclosure form but yet want to mention the disclosure form when it is against the consumer. I need my money and I want them to cover my late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 5 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 604A Section 2 states a Consumer reporting agency can not purchase an account without my written instruction. These are not my accounts and I did not give written instruction. 

1. ) XXXX XXXX # XXXX This is not my account. 
XXXX. ) XXXX XXXX Account # XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX Ohio Account # XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX Account # XXXX This is not accurate. In XXXX, I paid {$1000.00}. In XXXX, I paid {$500.00}, in XXXX, XXXX, XX/XX/XXXX In XX/XX/XXXX, I paid {$500.00}. They refuse to update the balance on my credit file. I have my receipts of all payments ; however, they refuse to update my balance on the receipt also. I am not going to continue paying until they update this balance on my credit. It is negatively affecting my credit very bad, and I am working on fixing my credit. If they don't update, I will stop paying it and we can go to court. 
XXXX. ) XXXX XXXX XXXXt # XXXX Also, there are hard inquiries on my credit file that I did not authorize. I attempted to resolve them with the Credit Reporting Agency, ( Equifax ) to no avail. They have refused to remove these inquiries that I did not authorize and it is negatively affecting my credit file. : XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX Bank XX/XX/XXXX XXXX. ) XXXX XXXX XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX