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

The Equifax credit agency on the aforementioned dates from XX/XX/ I presented XXXX ( XXXX ) disputes with an age of more than 7 years related to credit cards and I requested that they be deleted from my credit and they do not proceed to carry out my request where according to my best understanding they did not remove it from my history. 
At the time of filing the disputes, the aforementioned credit agency lowered my rating, understanding that they were abusive and arbitrary since the same complaints improved my score. 
These accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In the dispute presented to XXXX XXXX I do not agree with the classification they selected since the account was settled. In addition, I request that any other account with more than 7 years be removed from my credit history and my score that they lowered me be restored and updated as established by law, if I have rights in relation. 
This action on the part of the Equifax Agency has caused me a lot of suffering due to its attitude and arrogance. I request on behalf of this subscriber to be right in my claims that my claims can be resolved. Since to my best understanding based on the law I make this claim before your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Companies XX/XX/XXXX Experian XXXX XXXX XXXX  Companies XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit card

I have multiple XXXX XXXX fees from XXXX to present- In XXXX i called to set up -auto pay- Never was it added to my account in the mean time i have {$80.00} in late fees. this has happened before because i requested in the past to be put on auto pay- Capital one keeps charging me late fees when i have asked multiple times to be placed on auto pay. This is a horrible way to make money off of people and i am sure i am not the only one. Customer service placed me on auto pay today an refused to remove late fees because they were removed previously- i said yes because when i called originally that is when the auto pay was supposed to be placed! 
Manager there would not remove my late fees- it's the principle of the matter! literally they're making extra money off of late fees and not setting up the auto pay when originally requested. This is ill-mannered and uncalled for!
Product: Checking or savings account

Chase keeps auto denying me from opening an account an explanation would be great Im starting to think someone is using my information
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the XXXX, XXXX and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan from XXXX XXXX XXXX XXXX opened on or around XX/XX/2021 account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account, collections, or hard inquiries as reported. The aforementioned account, 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 XXXX, as proof from the US 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX  XX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXXXXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX XXXX XX/XX/XXXX/XXXX  XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX  XXXX/XXXX/XXXX  XXXX XXXX XXXX/XXXX/XXXX  XXXX XX/XX/XXXX/XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX/XXXX  XXXX XXXX XXXX XXXXI XXXX/XXXX/XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX/XXXX XXXX XXXX XX/XX/XXXX/XXXX  XXXX XXXX XX/XX/XXXX/XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

NationStar is false reporting on my credit file and/ or consumer reports. They fail to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and fail to conduct reasonable reinvestigations with respect to such information. They are in violation of XXXX XXXX XXXX.
Product: Checking or savings account

InXX/XX/XXXXCHASE BANK ( located on XXXX XXXX XXXX ) in  XXXX Florida closed without any kind of warning my account. 
I have neverhad any kind of issues such as overdraft fees, I have been a cutomer in good standing for more than twenty years including Washington Mutual. 

The account was closed in simple retalitory manner by a so called " manager '' after I complained to her about customer service issue at the branch and the fact that Chase had refused in violation of federal law to investigate a 70USD transfer from my account. I had contacted Chase in XX/XX/XXXX several times via phone and e- mail to investigate the transaction. Chase refused to do so for more than 13 months. 
I talked to a manager with extreme poor command of the English language who also was unable to understand the what a Power of Attorney is, which I held for my XXXX year old father. 
Chase terminated also his account with any kind of warning or notice ( onXX/XX/XXXX ) I mailed a phony backdated notice on XX/XX/XXXX 
We found ot that the card did not work in the supermarket when trying to purchase medicine for my father. 
Chase has ignored all of my e-mails and letters to the branch, to CEO XXXX and to the manager in XXXX. 
Chase has also failed to return me XXXX ( XXXX XXXX ) as a matter of principle as interest for the month of XXXX XXXX which came due after I had to wait for 2 hours to get my money back from the bank
Product: Credit card

I belief its unfair for a bank to denial there customer the right to ask to up there credit limit on there credit card that three year old never late never missed any payment always the bal pay in full all ways. now on or about XXXX/XXXX/2015 my dividend cad ending in the number XXXX to increase my limit to XXXX XXXX and the base for the request was I cant used the card. with a credit. Limit is XXXX that credit is three year old. this is the third time I have ask to increase that because it effect my credit score. that why we do n't used that. the XXXX XXXX limit is for some just become a customer of Citi bank. and for Citi to denial my request for the increase base on the number of inquired and Citi tell me that iam a loyal customer. but let me explain the number inquired, that on my credit my husband own a company that used my credit also that why there are number of inquired. but not XXXX missed payment or never late payment. these are the real fact follow the fact. let talk about that I have a XXXX XXXX on the XXXX with XXXX a year income, and I would review that as being treat unfair with excellent credit in XXXX. my payment history is very strong. I belief the account should be review as a loyal customer as Citi bank say. follow the fact on the credit report and not a inquired .just because of my age. do n't let that play a factor in a decision that do n't warrant a denial. so how can I be a loyal customer of Citi bank. if i am getting denial for ask to increase my credit line. I quest people like me and my husband at our age cant have good credit history. its unfair. this is the third request and being denial so guest we will stop ask. for an increase onthat card that XXXX year old with excellent credit history., fact check the record please.
Product: Credit reporting, credit repair services, or other personal consumer reports

o Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 3. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. The Late Payment Status is incorrect. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. Validate inaccurate/reported late payments. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

7. Validate inaccurate/reported late payments. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not XXXX a account within my written instructions. 
XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS FM BUS ADMIN ODA XXXX XXXX XXXX -XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX For XXXX XXXX
Product: Money transfer, virtual currency, or money service

I'm dealing with a XXXX and XXXX XXXX XXXX scam I've already lost close to a thousand dollars I need help also I just saw the equafax settlement and I was definitely affected but can't put in a claim and have had terrible identity theft on me make son ever since my partner his father died and I need help badly I need to get on that claim
Product: Credit card or prepaid card

Cash app closed my account and took away my card for no reason at all. They will not tell me why they closed account
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a new car loan in XX/XX/2019 with XXXX XXXX. I got behind on one  payment in XX/XX/2019 by a few days on it and they ended up putting a 30 day late on my credit reports. I called and asked them if they would remove the mark on my reports after I paid it as soon as I could after I switched my accounts due to issues with my bank account and having my direct deposit transferred timely with my employer the State of IL to my new account. They were rude and refused to do so, even though I have proof from online that they have done it for others in the past. Then they did not even report my XX/XX/XXXXand XX/XX/XXXX payments I made on time after that, showing NA on my credit reports. I contacted the credit bureaus and they contacted them supposedly but still have not fixed all. I was only late on the one payment and expect all other payments to show paid as agreed!! This is what they are showing on my reports and the company information, there is a green check mark over each month ( which did not copy with the information ) for XXXX, XXXX, XXXX, until you get to XX/XX/XXXX, then it says 30 over the XX/XX/XXXX pmt then NA over XX/XX/XXXX and nothing over XX/XX/XXXX which I also have already paid, all payments were made on time, except XX/XX/XXXX so all payment from XX/XX/2019 to today should show a green check mark and paid on time except the one only, they are intentionally not reporting to get back at me and try to make me look bad, it also says customer disputes account, which I have no idea what that is, I disputed how they were reporting. If these companies can not report my information correctly they need to be shut down, they have no business being in business if they can not complete a simple thing like this!!!! Please enforce the laws!!! 

XXXX XXXX Payment Status On Time Amount Past Due {$0.00} Payment History 1 Late Payment XX/XX/201930 N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$22000.00} Date Opened XX/XX/2019 Account Type Auto Loan Term 48 Months Min. Monthly Payment {$590.00} Highest Balance {$25000.00} Responsibility Individual Account Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Product: Mortgage

My house was damaged by Hurricane harvey. The insurance company came out and assessed damage and then issued a check to me and my mortgage company Ditech. As my house was being repaired, I sent Ditech XXXX forms, invoices, before pictures of the damage, and pictures of the fixed condition. After doing much battle with Ditech since they are very slow to release funds and not paying me interest on my money they are sitting on ( approximately {$55000.00} ), we are now at a complete standstill. Ditech, still holding on to about {$25000.00} of my insurance proceeds stated that regardless of all the pictures and documents I have sent them showing repair on the house, they need to have an inspector come out to ensure the work is being done. This conversation, initiated by me, was made on XX/XX/XXXX ; I was told that an inspector would call within two days to make the appointment. Nothing. I have called Ditech several times hoping to expedite the process and still, here on XX/XX/XXXX, I have yet to receive a call from an inspector to schedule an inspection of the home. Ditech states that this is their process, that funds can not be released without an inspection, even though the promised time wait of two days, has come and gone. Ditech stated they are behind because of all the hurricanes that have occurred ... but my point is that mine happened all the way back in XXXX of XXXX. I have already paid for all the work done on my house, out of my pocket, however I can not continue to repair the house, because Ditech is not releasing the funds that are sitting in their account, interest-free, that is to be used to repair my house. I have suggested to Ditech that if they don't have the manpower to keep up with their timelines, they need to then either hire more staff or release the funds they are sitting on. They refuse to budge and state that this process if mandated ... I don't know by whom. This has gone on long enough.
Product: Credit card or prepaid card

Approximately 6 days ago, millions of consumers lost access to their Comenity Bank credit card including co-branded cards, myself included. 

1. We are not able to login to the web URL to view account information, pay bills or view transactions. 

2. We are not able to call and speak to someone. We are given a recording that states agents are off and unable to look up account information while a system upgrade is taking place. 

https : //d.comenity.net/ac/comenitycard/public/home
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX This account has never been late. 

In XXXX of 2020 according to XXXX and XXXX it is showing I am late in that month. 

This account has never been late and as per " special agreement '' due to Covid 19 it should not be reporting as late. 

Please, it would be most appreciated for my account to be accurate and to have this error corrected. 

Warmest regards, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I received a phone call from an unknown number stated they were with XXXX  and had something to drop off to me at my home. I said I dont know anything of this. Everything has been stated this is from XXXX of XXXX. I never got a loan from ZocaLoans. I have told them, nation debt holdings as well. XXXX debt told me to file fraud. They are saying I owe around {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inaccurate hard inquiry on my XXXX and Experian credit report from company XXXX XXXX made on XX/XX/2022. I received a letter from XXXX XXXX stating Our fraud department was unable to confirm an application was submitted by you. Im here to asked XXXX and Experian to remove the hard inquiry as fraud was detected with my information being used without my authorization. Please remove the inquiry, below I attached the letter XXXX XXXX sent to me after theyre fraud investigation.
Product: Credit reporting

Initially I disputed several accounts, which came back verified. I believe the investigation is questionable.
Product: Credit card

Around XX/XX/XXXX, I apply for rooms to go store credit card. A soft pull was done on my credit report and I was denied I called back in XXXX and a representative stated that I was denied and I would be mailed an adverse action letter. It has been over a month and I have yet to receive the denial notice in the mail. I would like to receive the denial notice on the reasons of the adverse action according to the FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had disputed account with TransUnion and XXXX   online regarding XXXX XXXX of which they did not validate debt. The account in question should have the account condition as CLOSED not Indeterminate.
Product: Debt collection

Have written proof. Sign and dated from the apartment complex that it would not be put on our credit. But national credit system put it on our credit for XXXX.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.