23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My name is XXXX XXXX and I ordered multiple items from XXXX on XX/XX/21 on my Citi credit card ending in XXXX XXXX for {$350.00} for an unpainted XXXX bumper and radiator cover XXXX for {$830.00} for a fully assembled XXXX bumper with sensors XXXX for {$890.00} for driver side headlight XXXX for {$910.00} for passenger side headlight I disputed both charges for the headlights XXXX and XXXX Citi essentially rejected the charges out of confusion is my guess. 

I received a letter stating I already received a refund of {$830.00} and {$100.00} which is more than the amount in the first dispute of XXXX so the investigation is " complete ''. 

This is false because the refund I received are from the other transactions I mentioned above. XXXX from the front bumper for XXXX and XXXX from a partial refund from the radiator cover for XXXX. The previous refunds has nothing to do with the driver side headlight for XXXX which is the charge I disputed ( dispute XXXX ) for it being delivered to me broken, and not as described in the XXXX listing. I provided them with a very detailed report with what was wrong like the mounting tabs being broken. I tried contacting the seller through XXXX with no response, which is why I resorted to a credit card dispute/claim only for Citi to not pay attention to my charges and reject the claim. 

For the dispute of {$910.00} ( XXXX ) which is the passenger side headlight, which came in fine at first until it rained just a day or so after having it installed, which is when I realized the entire headlight was full of water meaning the waterproof seal was damaged. also noticed the daytime running light on the bottom of the headlight wasn't lighting up all the way to the corner properly. same situation with XXXX they were unhelpful, and I couldn't get a return label or return authorization from the individual seller. the seller responded to citi with only the tracking number showing it was delivered, which is not the problem, the problem is that the headlight is leaking with water, which caused my headlight ballast and HID bulb to get damaged in the process. 

Due to Citi 's lack of research they reversed the conditional credit of XXXX because of unrelated refunds from the same merchant which is XXXX. 

As well as reversing the {$910.00} conditional credit even though the claim is still ongoing for the damaged item even though the only thing the seller responded with was the tracking number.
Product: Mortgage

Planet Home Lending ( XXXX XXXX XXXX XXXX ) is company I have a VA loan with on my old house. They offered me a great va refi rate in the fall of 2016 and I agreed to refi. They were already servicing my loan up to that point as well. I submitted everything in a timely matter and I was told not to pay XX/XX/2016.  Then they closed that account to start a new account with the new rate. While this was going on, their was no communication within their own company that I was doing a refi and they reported that I did not pay XX/XX/2016 and now Im dinged with a 30 day late payment. I called them and emailed them about this multiple times with no resolution. As Im checking my credit right now, I see that blemish on my record and this is not my fault, but theirs. They incorrectly reported me as delinquent and they need to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since being a Victim of XXXX  XXXX security breach my credit report had been a fraud nightmare. I have sent countless FTC reports explaining my situation with XXXX and they refuse to remove the fraudulent trade lines off my credit report. 

How many other people that were victims of identification theft are they doing that to. This has been going on since XXXX and its effecting my lively hood.
Product: Mortgage

I, XXXX XXXX XXXX, am currently in Chapter XXXX ( Case # XXXX ) and filing a complaint against Ocwen for Loan # XXXX. I am in the process of a Short Sale with Ocwen on my family 's home for over 50 years, then my property for 15 of those 50 years. I am simply asking my relationship Manager to suspend or postpone my Foreclosure Sale for a 30 to 60 day period allowing my Short Sale to come to fruition and from that Short Sale, I would not receive anything but moving expenses which I am OK with. This would complete my Short Sale and give me moving expenses in Lieu of becoming Homeless from the XXXX/XXXX/2016 Foreclosure Sale. My relationship Manager XXXX XXXX would simply inform XXXX XXXX, Ocwen 's foreclosure Attorney to remove XXXX XXXX XXXX from the XXXX/XXXX/2016 Foreclosure 's Sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX  sent dispute on accounts in consumer credit report XX/XX/ accounts verified and not all accounts were marked disputed in a timely manner. Sent out a certified by mail letter XX/XX/ requesting information on all and any reasonable procedures taken to verify accounts and date update was marked as disputed. Clear and conspicuous so I could understand its meaning.
Product: Debt collection

There is an account being reported on my XXXX credit report that is not mine..I have repeatedly tried to have it removed..but Leonard and Associates refuses to budge..I have a police report to back up the fact that I am a victim of identity fraud..Not only are they reporting a closed account that is not mine they are also placing phone calls to me even though I am on the national do not call list. I am being harassed for a debt that has no connection to me.
Product: Credit reporting or other personal consumer reports

I completed a complaint with the CFPB on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX and that turned out to be disingenuous and Experian basically lied and gave me and the CFPB the runaround when their system says they were reinvestigating my complaint to the exact collection and information I am complaining about but yet, they provided an explanation stating they don't know which collection I am talking about and is unable to complete my request because it wasn't specific. I find it illegal and a disregard for accuracy on their platform. 

Dear Experian, I am writing to express my frustration and concern regarding your response to my CFPB complaint filed on XX/XX/XXXX. Despite providing all necessary information, you have claimed that my dispute is " not specific '' enough to process, which I find to be both inaccurate and dismissive. 

Firstly, I have only one collection account on my file, making it abundantly clear which account I am disputing. This is confirmed by the documentation and updates in your system, which reflect the reinvestigation due to my CFPB complaint. It is disingenuous to suggest that you are unaware of the collection account in question. 

The specific account details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 repeatedly asserted that this account does not belong to me and have provided substantial evidence to support my claim. The collection company has failed to provide proof of validation, and your continued reporting of this inaccurate information is both unlawful and unethical. 

Your request for further identification and documentation is redundant given the details I have already supplied. I expect you to honor your legal obligation under the Fair Credit Reporting Act to properly investigate and resolve this dispute. This includes contacting the furnisher of the information and verifying its accuracy, not merely deflecting my requests. 

I demand immediate action to remove this erroneous collection from my credit report. Failure to do so will leave me with no choice but to pursue further legal action to protect my rights. 

I have included both the other complaint with the company 's response along with a printed page of evidence that shows how their system and knowledge of the account contradicts their entire statement and how this was a fraudulent and fabricated response in trying to dismiss the consumer and not be in violation of the law and attacks or fines by the CFPB.
Product: Credit reporting or other personal consumer reports

PREVIOUSLY DISPUTED UNAUTHORIZED INQUIRIES AND THEY HAVE FAILED TO BLOCK THESE FROM MY CREDIT REPORT.
Product: Credit card

For 3 years, I have disputed with GAP about the inaccuracy of my '' highest balance '' being reported to all XXXX credit bureaus as {$810.00}. The company made fee adjustments/credits to my account in 2011 which totaled {$810.00}, but the GAP account supervisors and internal credit reps are telling me that there 's nothing they can do about it even though they acknowledge the credits were indeed made on my account due to an error on their part when they failed to credit my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX : {$3600.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and there is an account on my credit report for XXXX XXXX for {$34000.00}. I have provided a copy of the Federal Trade Commission identity theft report, which I will attach to this complaint, and I have made every attempt to communicate with XXXX XXXX, and the credit agencies. Its also come to my attention, which neither of these two accompanies are willing to acknowledge or even discuss XXXX XXXX has a drivers license on file that starts with the XXXX, However, my drivers license starts with XXXX this is solidified proof that this is a fraud account, but they wont remove it or block it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining about this item called XXXX that I see online is an auto finance company that needs to be removed immediately. Please delete this misleading information in order to show my true credit history.
Product: Credit reporting or other personal consumer reports

I requested all documents pertaining to the XXXX XXXX XXXX accounts on my credit I also requested for a fraud investigation and it was improperly handled. I requested all signatures and original documentation and I have been ignored.
Product: Debt collection

XXXX XXXX XXXX, sent a notice of deletion to all credit bureaus on acct # XXXX XXXX the merchant. experian has it under partial acct # XXXX. since the date of letter from XXXX XXXX to experian dated XX/XX/2017, experian has failed to delete this account, in violation of federal consumer laws.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called via phone to no avail ... these are all unauthorized inquiries ... and by law ; should be removed ... 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 


XXXX : Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Transunion : Unauthorized Inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  XXXX Inquiry :  XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX : Unauthorized Inquiries XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH EQUIFAX, XXXX, AND XXXX, AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

Equifax This account is not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information : Incorrect XXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This in incorrect. 
Please remove this immediately and only report accurate information. 
Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This in incorrect. Please remove this immediately and only report accurate information. 
XXXX XXXX XXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
XXXX XXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX XXXX XXXX XXXX  Section 609 of the FCRA states that you're required to send me the original paperwork that verifies this account otherwise, this is false information. 

XXXX Incorrect Personal Information : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX XXXX XXXX  - Section 609 of the FCRA states that you're required to send me the original paperwork that verifies this account otherwise, this is false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent out a certified letter because they are reporting a bankruptcy on my credit report. They get their information through the company LCI. When asked HOW they verified said bankruptcy, they just respond that it has been validated. With my letter I sent them correspondence from the Bankruptcy court and PACER who both said that they do NOT directly give out bankruptcy information to third party companies such as XXXX XXXX or transunion, XXXX and XXXX. Being as though they are the only legal holders if public records, there is not way for LCI to have legally verified or validated that information to give it to Transunion to report. They were given 15 days to delete the reporting and are coming close to the deadline
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Rep, The credit reporting agencies Experian, XXXX, and XXXX are reporting information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified inquiries to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. They are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report. 

Thank you.
Product: Credit reporting or other personal consumer reports

Capital One refused to stop recurring payments after my complaint that I just didn't have the money to keep paying. There was no way for me to stop it myself. I was struggling from XX/XX/scrub> 2024 to around XX/XX/year>2024. They stopped contacting me and messing with my accounts eventually but now my credit score is way down and both XXXX XXXX and Capitol One want money from me that shouldn't be theirs in the first place. Also Capital One only gives the option to activate recurring payments, then there's no option to cancle or pause them even when talking to their customer service.
Product: Mortgage

On XX/XX/XXXX the company Planet Home Lending sent this consumer mailed correspondence that the monthly mortgage payment would be increasing from {$2600.00} to {$5700.00}. 

On XX/XX/XXXX the consumer contacted the loan servicer to report an issue with the escrow analysis. This consumer provided the loan servicer with supporting documentation from the XXXX XXXX XXXXXXXX XXXX XXXXXXXX, including the correct parcel number. 

Over the course of XX/XX/XXXX, the consumer placed numerous calls to the loan servicer requesting updates. On XX/XX/XXXX, XXXX days before the nearly doubled mortgage amount is due, this consumer is unable to resolve the problem with the loan servicer 's escrow analysis, facing delinquency on his account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I received a electronic letter stating that there was insufficient evidence of fraud. When I spoke with the agent XXXX employee # XXXX, He gave me a case # XXXX that does not match the XXXX # on the letter that was sent to me. 
( Case # XXXX They said that I transferred money from my Capital One Credit card to my XXXX XXXX XXXXXXXX, which I DID NOT! I looked at my credit card statements there are no deposits for that amount on the date they are specifying. I was disconnected from our conversation several times. I spoke with XXXX who transferred me to XXXX who transferred me to XXXX, who transferred me to a very rude person who did not state her name, and started making light of my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 6 months, I have been paying down my debt quickly and I have not been late with any payments for a long time nor do I have any delinquencies. Naturally, my credit score went up with all three bureaus from XXXX to XXXX. 

To my dismay, a couple of weeks ago my score with Equifax dropped 26 points on XX/XX/XXXX, I called them to ask why because i am current with all my accounts and I had nothing delinquent or fraudulent on my credit report. I called twice and they failed to explain anything to me claiming that they could not access my credit report. I also can not get in touch with anyone in the United States, only call center seems to be in the XXXX which sketchy. I also filed a dispute with Equifax about this. 

On XX/XX/XXXX I get another alert that my credit score has dropped again with Equifax for another 15 points and I am very upset and angry. I looked at my report and saw all these disputes and removed remarks and so on. I did not authorize any of that activity. I called Equifax and spoke to a XXXX man who accessed my credit report but did not do a good job explaining to me what happened. I was getting frustrated and kept asking him to explain to me in a different way but he proceeded to repeat himself as a robot would. He claimed that I filed disputes against all of my creditors and I told him I did not. He accused me of lying after I told him that this was fraudulent activity. As I mentioned in the prior paragraph, I told him that the only dispute I filed was with Equifax a couple of weeks ago when they dropped my score 26 points for no apparent reason! Eventually, he just hung up on me. 

This seems very unfair, I have a right to know whey Equifax is messing with my credit score and messing with my life. There is no apparent reason for them to drop my credit score nearly 41 points in less than a month! 

You should also know that this score drop only happened with Equifax, my score with XXXX  and XXXX is in the XXXX and now Equifax is in the XXXX again. I suspect fraud and wrongdoing.